# EDGAR Filing Document

**Accession Number:** 0002103772
**File Stem:** 0001539497-26-000007
**Filing Date:** 2026-1
**Character Count:** 3054148
**Document Hash:** 13e14d01ef0f1c1f8db03991d7691820
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001539497-26-000007.hdr.sgml**: 20260106

**ACCESSION NUMBER**: 0001539497-26-000007

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

**PUBLIC DOCUMENT COUNT**: 75

**CONFORMED PERIOD OF REPORT**: 20260105

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

**FILED AS OF DATE**: 20260106

**DATE AS OF CHANGE**: 20260105

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

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

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** PMIT Residential Funding XXII LLC
- **CENTRAL INDEX KEY:** 0002103772

**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:** 025-08178
- **FILM NUMBER:** 26509170

**BUSINESS ADDRESS:**
- **STREET 1:** 251 LITTLE FALLS DRIVE
- **CITY:** WILMINGTON
- **STATE:** DE
- **ZIP:** 19808
- **BUSINESS PHONE:** 9497206000

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

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** PMIT Residential Funding XXII LLC
- **CENTRAL INDEX KEY:** 0002103772

**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:** 251 LITTLE FALLS DRIVE
- **CITY:** WILMINGTON
- **STATE:** DE
- **ZIP:** 19808
- **BUSINESS PHONE:** 9497206000

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

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** PMIT Residential Funding XXII LLC
- **CENTRAL INDEX KEY:** 0002103772

**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:** 251 LITTLE FALLS DRIVE
- **CITY:** WILMINGTON
- **STATE:** DE
- **ZIP:** 19808
- **BUSINESS PHONE:** 9497206000

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

**UNITED STATES**

**SECURITIES AND EXCHANGE COMMISSION**

**Washington, D.C. 20549**

**FORM ABS-15G**

**ASSET-BACKED SECURITIZER REPORT**

**PURSUANT TO SECTION 15G OF THE**

**SECURITIES EXCHANGE ACT OF 1934**

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

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

_____________________ to _____________________

Date of Report (Date of earliest event reported) _____________________

Commission File Number of securitizer: ____________________________

Central Index Key Number of securitizer: ___________________________

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

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

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

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

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

Central Index Key Number of depositor: 0002103772 (PMIT Residential Funding XXII LLC)

<u>BRAVO Residential Funding Trust 2026-NQM1</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): ______________________

<u>Michael Chiao, Authorized Person, 949-720-6974</u> <br> Name and telephone number, including area code, of the person to contact in connection with this filing

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

---

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

---

The disclosures required by Rule 15Ga-2 (17 CFR 240.15Ga-2) are attached as an Exhibit to this Form ABS-15G. Please see Item 3, Exhibits 99.1, 99.2, 99.3, 99.4, 99.5, 99.6 and 99.7 for the related information.

Item 3. Exhibits

99.1 Disclosures required by Rule 15Ga-2 for Clarifii LLC

Schedule 1— Narrative

Schedule 2— Supplemental Data Extract Report

Schedule 3— Business Purpose Supplement Report

Schedule 4— Rating Agency Grades Detail Report

Schedule 5— Rating Agency Grades Summary Report

Schedule 6— Valuation Report

Schedule 7— ATR or QM Report

Schedule 8— Data Compare Report

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

Schedule 1— Narrative

Schedule 2— Conditions Report — Conditions Summary

Schedule 3— Conditions Report — Conditions Detail

Schedule 4— Conditions Report — Loan Grades

Schedule 5— Compliance Only Conditions Report — Conditions Summary

Schedule 6— Compliance Only Conditions Report — Conditions Detail

Schedule 7— Compliance Only Conditions Report — Loan Grades

Schedule 8— Non-ATR QM

Schedule 9— Rating Agency ATR QM

Schedule 10— Valuations Summary

Schedule 11— Waived Conditions Report

Schedule 12— Loan Level Tape Compare

Schedule 13— Standard Upload

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

Schedule 1— Narrative

Schedule 2— Due Diligence Standard Report

Schedule 3— Supplemental Data Report

Schedule 4— Rating Agency Grades Report

Schedule 5— Valuations Summary Report

Schedule 6— Data Compare Report

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

Schedule 1— Narrative

Schedule 2— Rating Agency Grades

Schedule 3— Exception Detail

Schedule 4— Valuation Report

Schedule 5— Data Compare

Schedule 6— QM ATR Data

Schedule 7— Business Purpose Data

99.5 Disclosures required by Rule 15Ga-2 for Covius Real Estate Services, LLC

Schedule 1— Narrative

Schedule 2— Valuation Report

Schedule 3— ATR QM Report

Schedule 4**—** Loan Level Exceptions Report

Schedule 5— Rating Agency Exceptions Report

Schedule 6— Tape Compare Report

Schedule 7— Rating Agency Grades Report

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

Schedule 1— Narrative

Schedule 2— Lease Securitization Report – Final Grades

Schedule 3— Lease Securitization Report – Exception Grades

Schedule 4— Lease Securitization Report – Valuation

Schedule 5— Lease Securitization Report – Data Compare

Schedule 6— Credit Comp Securitization Report – Final Grades

Schedule 7— Credit Comp Securitization Report – Exception Grades

Schedule 8— Credit Comp Securitization Report – Valuation

Schedule 9— Credit Comp Securitization Report – Data Compare

99.7 Disclosures required by Rule 15Ga-2 for Incenter Lender Services LLC

Schedule 1— Narrative

Schedule 2— Exception Report

Schedule 3— Exception Report Loan Level

Schedule 4— Rating Agency Grades

Schedule 5— Final Tape Compare

Schedule 6— Supplemental Data

Schedule 7— Valuation Summary Report

**SIGNATURES**

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

Dated: January 5, 2026

---

| | | |
|:---|:---|:---|
| **PMIT Residential Funding XXII LLC** | **PMIT Residential Funding XXII LLC** | **PMIT Residential Funding XXII LLC** |
| (Securitizer) | (Securitizer) | (Securitizer) |
| By: | /s/ Michael Chiao | /s/ Michael Chiao |
|  | Name: | Michael Chiao |
|  | Title: | Authorized Person |

---

**EXHIBIT INDEX**

**Exhibit Number**

99.1 Disclosures required by Rule 15Ga-2 for Clarifii LLC

Schedule 1— Narrative

Schedule 2— Supplemental Data Extract Report

Schedule 3— Business Purpose Supplement Report

Schedule 4— Rating Agency Grades Detail Report

Schedule 5— Rating Agency Grades Summary Report

Schedule 6— Valuation Report

Schedule 7— ATR or QM Report

Schedule 8— Data Compare Report

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

Schedule 1— Narrative

Schedule 2— Conditions Report — Conditions Summary

Schedule 3— Conditions Report — Conditions Detail

Schedule 4— Conditions Report — Loan Grades

Schedule 5— Compliance Only Conditions Report — Conditions Summary

Schedule 6— Compliance Only Conditions Report — Conditions Detail

Schedule 7— Compliance Only Conditions Report — Loan Grades

Schedule 8— Non-ATR QM

Schedule 9— Rating Agency ATR QM

Schedule 10— Valuations Summary

Schedule 11— Waived Conditions Report

Schedule 12— Loan Level Tape Compare

Schedule 13— Standard Upload

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

Schedule 1— Narrative

Schedule 2— Due Diligence Standard Report

Schedule 3— Supplemental Data Report

Schedule 4— Rating Agency Grades Report

Schedule 5— Valuations Summary Report

Schedule 6— Data Compare Report

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

Schedule 1— Narrative

Schedule 2— Rating Agency Grades

Schedule 3— Exception Detail

Schedule 4— Valuation Report

Schedule 5— Data Compare

Schedule 6— QM ATR Data

Schedule 7— Business Purpose Data

99.5 Disclosures required by Rule 15Ga-2 for Covius Real Estate Services, LLC

Schedule 1— Narrative

Schedule 2— Valuation Report

Schedule 3— ATR QM Report

Schedule 4**—** Loan Level Exceptions Report

Schedule 5— Rating Agency Exceptions Report

Schedule 6— Tape Compare Report

Schedule 7— Rating Agency Grades Report

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

Schedule 1— Narrative

Schedule 2— Lease Securitization Report – Final Grades

Schedule 3— Lease Securitization Report – Exception Grades

Schedule 4— Lease Securitization Report – Valuation

Schedule 5— Lease Securitization Report – Data Compare

Schedule 6— Credit Comp Securitization Report – Final Grades

Schedule 7— Credit Comp Securitization Report – Exception Grades

Schedule 8— Credit Comp Securitization Report – Valuation

Schedule 9— Credit Comp Securitization Report – Data Compare

99.7 Disclosures required by Rule 15Ga-2 for Incenter Lender Services LLC

Schedule 1— Narrative

Schedule 2— Exception Report

Schedule 3— Exception Report Loan Level

Schedule 4— Rating Agency Grades

Schedule 5— Final Tape Compare

Schedule 6— Supplemental Data

Schedule 7— Valuation Summary Report

## Exhibit 99.1

**Exhibit 99.1**

![](clarifii_logo.jpg)

**EXECUTIVE SUMMARY**

**BRAVO 2026-NQM1**

**By Clarifii LLC on December 30, 2025**

BRAVO 2026-NQM1 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 1

![](clarifii_logo.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 3 loans (the "Loans") and these loans were subsequently acquired by Loan Funding Structure LLC (the "Client") for the BRAVO 2026-NQM1 transaction. The loans referenced in this Narrative report were reviewed 07/2025 through 10/2025 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;1 | &nbsp;&nbsp;33.33% | &nbsp;&nbsp;$365500.00 |
| &nbsp;&nbsp;Wholesale | &nbsp;&nbsp;2 | &nbsp;&nbsp;66.67% | &nbsp;&nbsp;$850000.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**3** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$1215500.00** |

---

The Review consisted of a population of 3 loans, with an aggregate principal balance of $1,215,500.00.

**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.

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

**LOAN SAMPLING**

The Client 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.

---

| | |
|:---|:---|
| &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 |

---

BRAVO 2026-NQM1 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 2

![](clarifii_logo.jpg)

**DATA INTEGRITY**

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

---

| |
|:---|
| &nbsp;&nbsp;**Data Comparison Fields** |
| &nbsp;&nbsp;Amortization Term |
| &nbsp;&nbsp;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 Employer 1 Position |
| &nbsp;&nbsp;Borrower 1 Employer 1 Years in Line of Work |
| &nbsp;&nbsp;Borrower 1 Ethnicity - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 1 Ethnicity - Not Hispanic or Latino |
| &nbsp;&nbsp;Borrower 1 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 Last Name |
| &nbsp;&nbsp;Borrower 1 Marital Status |
| &nbsp;&nbsp;Borrower 1 Name of Employer1 |
| &nbsp;&nbsp;Borrower 1 Originator Citizenship Designation |
| &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 SSN |
| &nbsp;&nbsp;Borrower 1 Telephone Interview |
| &nbsp;&nbsp;Borrower 1 Years in Current Home |
| &nbsp;&nbsp;Calculated DSCR |
| &nbsp;&nbsp;Date Last Rate Was Set |
| &nbsp;&nbsp;FHA Streamline/VA IRRL Indicator |
| &nbsp;&nbsp;Final Reviewed QM Status |
| &nbsp;&nbsp;First Payment Date |
| &nbsp;&nbsp;Initial Originator Signature Date |

---

BRAVO 2026-NQM1 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 3

![](clarifii_logo.jpg)

---

| |
|:---|
| &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 |
| &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;Primary Appraised Property Value |
| &nbsp;&nbsp;Property Address |
| &nbsp;&nbsp;Property City |
| &nbsp;&nbsp;Property Rights |
| &nbsp;&nbsp;Property State |
| &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;Property Value |
| &nbsp;&nbsp;Property Zip Code |
| &nbsp;&nbsp;Qualifying CLTV |
| &nbsp;&nbsp;Qualifying FICO |
| &nbsp;&nbsp;Qualifying LTV |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio |
| &nbsp;&nbsp;Sales Price |
| &nbsp;&nbsp;Seller Loan ID |
| &nbsp;&nbsp;Term |
| &nbsp;&nbsp;ULI |
| &nbsp;&nbsp;Verified Doc Type |

---

**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 Client, 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:

BRAVO 2026-NQM1 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 4

![](clarifii_logo.jpg)

- 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

● **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:

BRAVO 2026-NQM1 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 5

![](clarifii_logo.jpg)

- Tax returns

- Financial statements

Paystubs

- IRS Form W-2s

- IRS Form 1099

- IRS documents

- Bank statements

- Lease agreements

- Award letters

- Other documentation in loan file

● **Fraud Review** 

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

- Borrower identity

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Social Security inconsistencies

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Borrower name variations

- Occupancy

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Borrower address history

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Subject property ownership history

- Employment

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Mortgage lender/originator

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Loan officer

OFAC

● **Asset Review** 

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

- Verification of deposits (VOD)

- Depository account statements

- Stock or security account statements

- Gift funds

- Settlements statements

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

- Other documentation in loan file

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

● **Property Insurance and Taxes** 

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

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

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

BRAVO 2026-NQM1 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 6

![](clarifii_logo.jpg)

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;· **Debt Service Coverage Ratio (DSCR)** 

- Calculated DSCR, as required by guidelines

- Confirmed documentation requirements have been met

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

**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** 

**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

BRAVO 2026-NQM1 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 7

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may cause significant loss severity to the value of the Loan, including the Home Ownership and Equity Protection Act (HOEPA) and any state and local high-cost home loan laws. Assignee shall have the meaning as defined in the Truth in Lending Act (TILA).

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

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

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

● **Compliance Documentation Requirements** 

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

- Initial and final application (1003)

- Note, including all addendums

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

- Mortgage / Deed of Trust, including all riders

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

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

- Notice of Right to Cancel (when applicable)

- Rate Lock Date

- HOEPA Disclosures (when applicable)

- Initial Escrow Account Disclosure

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

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

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

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

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

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

BRAVO 2026-NQM1 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 8

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**Right of Rescission** 

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

**Qualified Mortgage and Ability to Repay**

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

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

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

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

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

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

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

**Miscellaneous Compliance Testing**

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

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

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

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

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

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

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

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

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

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- 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).

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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● **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.

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-

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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.

**INDEPENDENT THIRD-PARTY VALUES**

Clarifii applied a cascade methodology to the population 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 value for purpose of LTV/CLTV/HCLTV.

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

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

**VALUATION RESULTS SUMMARY**

The two tables below summarize 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;AVM | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;BPO | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;CU or LCA Score <=2.5 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Desk Review | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &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 |

---

**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, client, and rating agency requirements.

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

**Final Event Grade**

---

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

---

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**Credit Event Grade**

---

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

---

**Valuation Event Grade**

---

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

---

**Compliance Event Grade** 

---

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

---

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**CLARIFII DUE DILIGENCE RESULTS**

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

**Final Overall Loan Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Overall Review Results** | &nbsp;&nbsp;**Overall Review Results** | &nbsp;&nbsp;**Overall Review Results** |
| &nbsp;&nbsp;**Overall** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;3 | &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;**3** | &nbsp;&nbsp;**100.00%** |

---

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

**Final Credit Component Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Final Credit Grade Summary** | &nbsp;&nbsp;**Final Credit Grade Summary** | &nbsp;&nbsp;**Final Credit Grade Summary** |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;3 | &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;**3** | &nbsp;&nbsp;**100.00%** |

---

**Final Property Valuation Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Final Property Grade Summary** | &nbsp;&nbsp;**Final Property Grade Summary** | &nbsp;&nbsp;**Final Property Grade Summary** |
| &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;3 | &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;**3** | &nbsp;&nbsp;**100.00%** |

---

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**Final Regulatory Compliance Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Final Compliance Grade Summary** | &nbsp;&nbsp;**Final Compliance Grade Summary** | &nbsp;&nbsp;**Final Compliance Grade Summary** |
| &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;3 | &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;**3** | &nbsp;&nbsp;**100.00%** |

---

**ADDITIONAL LOAN SUMMARY DETAILS**

**Amortization Type**

---

| | | | |
|:---|:---|:---|:---|
| **Amortization Type** | **Loan Count** | **% of Pool** | **Original Balance** |
| Fixed | 3 | 100.00% | $1215500.00 |
| **Total** | **3** | **100.00%** | **$1215500.00** |

---

**Occupancy**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;2 | &nbsp;&nbsp;66.67% | &nbsp;&nbsp;$1045500.00 |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;1 | &nbsp;&nbsp;33.33% | &nbsp;&nbsp;$170000.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**3** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$1215500.00** |

---

**Loan Purpose**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Refinance | &nbsp;&nbsp;1 | &nbsp;&nbsp;33.33% | &nbsp;&nbsp;$170000.00 |
| &nbsp;&nbsp;Purchase | &nbsp;&nbsp;2 | &nbsp;&nbsp;66.67% | &nbsp;&nbsp;$1045500.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**3** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$1215500.00** |

---

**Lien Position**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$1215500.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**3** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$1215500.00** |

---

**Original Term**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;360 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$1215500.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**3** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$1215500.00** |

---

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**DATA COMPARE RESULTS**

Clarifii provided Client 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**

---

| | | | |
|:---|:---|:---|:---|
| **Data Comparison Fields** | **Loans With Discrepancy** | **Total Times Compared** | **Accuracy %** |
| Amortization Term | 0 | 1 | 100% |
| Amount of Other Lien | 0 | 1 | 100% |
| Application Date | 0 | 1 | 100% |
| Balloon Flag | 0 | 1 | 100% |
| Borrower 1 Any Outstanding Judgments? | 0 | 1 | 100% |
| Borrower 1 Any part of down payment borrowed? | 0 | 1 | 100% |
| Borrower 1 Bankruptcy in past 7 years? | 0 | 1 | 100% |
| Borrower 1 Birthdate | 0 | 1 | 100% |
| Borrower 1 Citizen | 0 | 1 | 100% |
| Borrower 1 Country Name | 0 | 1 | 100% |
| Borrower 1 Do you intend to occupy property as primary residence? | 0 | 1 | 100% |
| Borrower 1 Employer 1 Position | 0 | 1 | 100% |
| Borrower 1 Employer 1 Years in Line of Work | 0 | 1 | 100% |
| Borrower 1 Ethnicity - I do not wish to provide this information | 0 | 1 | 100% |
| Borrower 1 Ethnicity - Not Hispanic or Latino | 0 | 1 | 100% |
| Borrower 1 First Name | 0 | 3 | 100% |
| Borrower 1 Foreclosure in past 7 years? | 0 | 1 | 100% |
| Borrower 1 Has there been ownership in a property in last 3 yrs | 0 | 1 | 100% |
| Borrower 1 Last Name | 0 | 3 | 100% |
| Borrower 1 Marital Status | 0 | 1 | 100% |
| Borrower 1 Name of Employer1 | 0 | 1 | 100% |
| Borrower 1 Originator Citizenship Designation | 0 | 2 | 100% |
| Borrower 1 Race - I do not wish to provide this information | 0 | 1 | 100% |
| Borrower 1 Race - White | 0 | 1 | 100% |
| Borrower 1 Rent or Own | 0 | 1 | 100% |
| Borrower 1 Self-Employment Flag | 0 | 1 | 100% |
| Borrower 1 Sex - Female | 0 | 1 | 100% |
| Borrower 1 Sex - I do not wish to provide this information | 0 | 1 | 100% |
| Borrower 1 SSN | 0 | 3 | 100% |
| Borrower 1 Telephone Interview | 0 | 1 | 100% |

---

BRAVO 2026-NQM1 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 18

![](clarifii_logo.jpg)

---

| | | | |
|:---|:---|:---|:---|
| Borrower 1 Years in Current Home | 0 | 1 | 100% |
| Calculated DSCR | 0 | 2 | 100% |
| Date Last Rate Was Set | 1 | 1 | 0% |
| FHA Streamline/VA IRRL Indicator | 0 | 1 | 100% |
| Final Reviewed QM Status | 0 | 2 | 100% |
| First Payment Date | 0 | 2 | 100% |
| Initial Originator Signature Date | 0 | 1 | 100% |
| Interest Only Flag | 0 | 1 | 100% |
| Interest Only Term | 0 | 1 | 100% |
| Interest Rate | 0 | 3 | 100% |
| Investor Loan ID | 0 | 3 | 100% |
| Lien Position | 0 | 3 | 100% |
| Loan Amount | 0 | 2 | 100% |
| Loan ID | 0 | 3 | 100% |
| Loan Origination Company | 0 | 1 | 100% |
| Loan Origination Company NMLS | 0 | 1 | 100% |
| Loan Program | 0 | 3 | 100% |
| Loan Purpose | 0 | 3 | 100% |
| Loan Type | 0 | 1 | 100% |
| Negative Amortization Flag | 0 | 1 | 100% |
| Note Type | 0 | 1 | 100% |
| Number of Borrowers | 0 | 1 | 100% |
| Number of Mortgaged Properties | 0 | 1 | 100% |
| Number of Units | 0 | 1 | 100% |
| Occupancy | 0 | 3 | 100% |
| Primary Appraised Property Value | 0 | 2 | 100% |
| Property Address | 0 | 3 | 100% |
| Property City | 0 | 3 | 100% |
| Property Rights | 0 | 1 | 100% |
| Property State | 0 | 3 | 100% |
| Property Type | 0 | 2 | 100% |
| Property Value | 0 | 1 | 100% |
| Property Zip Code | 0 | 3 | 100% |
| Qualifying CLTV | 0 | 2 | 100% |
| Qualifying FICO | 0 | 2 | 100% |
| Qualifying LTV | 0 | 2 | 100% |
| Qualifying Total Debt Income Ratio | 0 | 1 | 100% |
| Sales Price | 0 | 2 | 100% |
| Seller Loan ID | 0 | 3 | 100% |
| Term | 0 | 2 | 100% |
| ULI | 0 | 1 | 100% |
| Verified Doc Type | 0 | 2 | 100% |

---

BRAVO 2026-NQM1 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 19

![](clarifii_logo.jpg)

**CLARIFII THIRD PARTY REPORTS DELIVERED**

Clarifii furnished the following reports on this transaction:

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. Supplemental Data Extract

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. Business Purpose Supplement 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.*© 2025 Clarifii LLC. All rights reserved.

BRAVO 2026-NQM1 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 20

## Exhibit 99.1

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Redaction 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** |
| XXXX | 566898 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/18/2025 | 4 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | XXX |  | XXXX | No |  | XXXX | XXXX | $2304.12 | $192.01 | $0.00 | $0.00 | $0.00 | $1290.68 |  | 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 | 1.627 | 1.62 |  | Borrower - null 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 | XXXX | XXXX | XX | XXXX | XXXX | 06/26/2025 | 06/26/2025 |  |  |  | 798 |  |  |  |  |
| XXXX | 854768 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 11/11/2024 | 3 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 12470 | 06/30/2025 | 6.770% |  |  | No | 7.102% |  | XXX |  | XXXX | No |  | XXXX | XXXX | $2170.92 | $180.91 | $0.00 | $0.00 | $0.00 | $5533.45 | $60041.79 | N/A |  |  | $0.00 |  |  | 0.00% | 8.55% | 8.55% | 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 |  |  |  | Yes | 36 | No | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - 2023, 2024, 2025 | Borrower - 2023, 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 06/20/2025 | 06/20/2025 |  |  |  | 767 |  |  |  |  |
| XXXX | 824797 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 04/28/2025 | 3 | XXXX | QM: Higher Priced APOR (APOR HP) | Yes | No | No | N/A | N/A | 6931.5 | 09/15/2025 | 6.320% |  |  | No | 7.830% |  | XXX |  | XXXX | No |  | XXXX | XXXX | $1280.40 | $106.70 | $0.00 | $0.00 | $0.00 | $2869.89 | $5249.96 | N/A |  |  | $0.00 |  |  | 0.00% | 43.42% | 43.42% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 12 | No | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 08/19/2025 | 08/19/2025 |  |  |  | 769 |  |  |  |  |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **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 | 566898 | XXXX |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 13.7 | XXXX | 13.7 | No | 72.34 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | 854768 | XXXX |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 23.4 | XXXX | 23.4 | No | 80.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 824797 | XXXX |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 3.9 | XXXX | 8.3 | No | 85.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |

---

## Exhibit 99.1

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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 | 566898 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 2100 | 2100 | Appraisal - 1007 |  | N/A |  |  | 2100 | Actual In Place Rent | No | 61.46 | 1.62 | 1.627 | 1290.68 | 2100 | 12-31-2025 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 2100 |  |  |  |  |  |  |  | No | 2.8 | 1 | 1 | N/A | 13.74 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |

---

## Exhibit 99.1

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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 | 566898 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| XXXX | 854768 | XXXX D A | Closed | FCRE1342 | 2025-08-04 15:48 | 2025-08-06 13:27 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Business Bank Statements Missing | Resolved-Received 12 months legible business bank statements. - Due Diligence Vendor-08/06/2025 <br>Ready for Review-Document Uploaded. Please see attached legible bank statements - Buyer-08/04/2025 <br>Open-Borrower 1 Business Bank Statements Missing Not all bank Statements are legible. - Due Diligence Vendor-08/04/2025 |  | Resolved-Received 12 months legible business bank statements. - Due Diligence Vendor-08/06/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO = 767 Min FICO = 660<br>Qualifying DTI below maximum allowed - DTI = 8.55% - Max DTI = 45.00% |  | XXXX legible bank statements.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5047994 |
| XXXX | 854768 | XXXX D A | Closed | FCRE1510 | 2025-07-31 07:04 | 2025-08-06 13:08 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-08/06/2025 <br>Ready for Review-Document Uploaded. See attached copy of recorded deed with the legal description - Buyer-08/04/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing legal description in mortgage chain. - Due Diligence Vendor-07/31/2025 |  | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-08/06/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO = 767 Min FICO = 660<br>Qualifying DTI below maximum allowed - DTI = 8.55% - Max DTI = 45.00% |  | XXXX copy of recorded deed with legal description.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5004122 |
| XXXX | 854768 | XXXX D A | Closed | FCRE0044 | 2025-08-04 10:33 | 2025-08-06 13:07 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Upon further review, the loan file contained all required credit inquiry documentation. - Due Diligence Vendor-08/06/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Buyer-08/04/2025 <br>Open-LOX for credit inquiries is missing. LOX FOR CREDIT INQUIRIES ARE MISSING - Due Diligence Vendor-08/04/2025 |  | Resolved-Upon further review, the loan file contained all required credit inquiry documentation. - Due Diligence Vendor-08/06/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO = 767 Min FICO = 660<br>Qualifying DTI below maximum allowed - DTI = 8.55% - Max DTI = 45.00% |  | XXXX re credit inquiries condition.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5039863 |
| XXXX | 824797 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |

---

## Exhibit 99.1

---

| | | | |
|:---|:---|:---|:---|
| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Original Loan Amount** |
| XXXX | 566898 | XXXX | XXXX A |
| XXXX | 854768 | XXXX | XXXX D A |
| XXXX | 824797 | XXXX | XXXX A |

---

## Exhibit 99.1

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Redaction 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** |
| XXXX | 566898 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XX | XXXX | 72.34 | 72.34 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | XXXX |
| XXXX | 854768 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 824797 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |

---

## Exhibit 99.1

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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 | 566898 | XXXX | 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 | 854768 | 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 | 12470 | 7.102 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 60041.79 | Yes | Employed |  | No |  | No |  |
| XXXX | 824797 | 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 | 6931.5 | 7.83 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 5249.96 | N/A | Employed |  | No |  | No |  |

---

## Exhibit 99.1

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| XXXX | 854768 | XXXX | XXXX | Date Last Rate Was Set | tridLePageRevised | XXXX | XXXX | per LE1 |

---

## Exhibit 99.2

**Exhibit 99.2**![](n5540clayton_img001.jpg)

---

| |
|:---|
| **12/31/2025** |
| **Due Diligence Narrative Report** |

---

**TABLE OF CONTENTS**

---

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

---

BRAVO 2026-NQM1 Due Diligence Narrative Report Page \| 1 December 31, 2025

**CLAYTON CONTACT INFORMATION**

Client Service Management:

---

| | | |
|:---|:---|:---|
| ![](n5540clayton_img003.jpg) | **Ralph Fox** | Client Services Senior Director |
|  |  | Phone: (813) 371-0281/E-mail: <u>rfox@clayton.com</u> |
| ![](n5540clayton_img003.jpg) | **Joe Ozment** | Vice President of Client Services and Securitization |
|  |  | Phone: (813) 261-0733/E-mail: <u>jozment@clayton.com</u> |

---

**OVERVIEW**

On behalf of Citadel, Clayton conducted an independent third-party pre-securitization due diligence review of 176 residential loans.

On behalf of Citadel, Clayton conducted an independent third-party compliance only due diligence review of 1 residential loan.

Loan Funding Structure LLC subsequently purchased these loans via Reliance Letter and selected them for the BRAVO 2026-NQM1 transaction.

The loans referenced in this narrative report were reviewed on a flow basis from June 2016 to October 2025 at Clayton's centralized underwriting facilities in Tampa, FL. This narrative report provides information about the original lenders, the scope of work performed by Clayton, and the results of Clayton's review.

**ORIGINATORS**

Origination channels for the loans in this review:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Origination Channel** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.56% |
| &nbsp;&nbsp;Broker | &nbsp;&nbsp;168 | &nbsp;&nbsp;94.92% |
| &nbsp;&nbsp;Retail | &nbsp;&nbsp;8 | &nbsp;&nbsp;4.52% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**177** | &nbsp;&nbsp;**100.00%** |

---

BRAVO 2026-NQM1 Due Diligence Narrative Report Page \| 2 December 31, 2025

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

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

SAMPLING

For all originators in this transaction, 70.06% of the loans received a Full Review as described below.

Review Type Loan Counts:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;***Review Type*** | &nbsp;&nbsp;***Loan Count***<br> ***Reviewed by Clayton***  | &nbsp;&nbsp;***Scope Applied*** |
| &nbsp;&nbsp;**Full Review** | 124 | &nbsp;&nbsp;Clayton performed a Full Review based on the scope described below in the section titled "TPR Component Review Scope". |
| &nbsp;&nbsp;**Total Loan Population** | 177 |  |

---

\*52 loans were not reviewed for regulatory compliance in accordance with paragraph 2 of the "Compliance Review (Business Purpose, Non-Owner Occupied)"

LOAN GRADING

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

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

TPR COMPONENT REVIEW SCOPE

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

BRAVO 2026-NQM1 Due Diligence Narrative Report Page \| 3 December 31, 2025

CREDIT REVIEW

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

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

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

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

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

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

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

PROPERTY VALUATION REVIEW

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Original Appraisal Assessment (176 loans)

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Value Supported Analysis (85 loans) Clayton applied a cascade methodology to determine if the original appraised value was reasonably supported when compared to an independent
third party valuation product. Loans were held to a -10% tolerance utilizing the following waterfall;<br>

&nbsp;&nbsp;&nbsp;&nbsp;● AVM

&nbsp;&nbsp;&nbsp;&nbsp;● BPO

&nbsp;&nbsp;&nbsp;&nbsp;● Desk Review

&nbsp;&nbsp;&nbsp;&nbsp;● Field Review

&nbsp;&nbsp;&nbsp;&nbsp;● Second Full Appraisal

91 loans had CU scores of 2.5 or less and and did not require a third party valuation. For further detail please refer to the BRAVO 2026-NQM1 Valuations Summary Report

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REGULATORY COMPLIANCE REVIEW

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

Clayton utilized its proprietary eCLAS engine for regulatory compliance testing.

The scope of the compliance review performed is summarized below:

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

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

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

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

– TIL APR and Finance charge tolerances;

– Timeliness of ARM Disclosures (if applicable);

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o The ATR/QM Rules allow the lender to exclude up to two discount points from the 3% points and fees evaluation depending on the loan's undiscounted interest rate in relation to the APOR index rate. The ATR/QM Rule does not set the required rate reduction per discount point. Clayton evaluated the lender's exclusion of discount points from the 3% points and fees calculation for all loans in this transaction using a [0.2%] rate reduction threshold per discount point.

– Prepayment Penalty restrictions.

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

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

– GFE initial disclosure timing and content;

– Confirmed the file contains the final HUD1 Settlement Statement;

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

– Homeownership Counseling Notice;

– Affiliated Business Disclosure if applicable.

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

On, June 15th, 2016 SFA published its RMBS 3.0 TRID Compliance Review Scope© documentation, developed under the leadership of members from Third Party Review ("TPR") firms across the industry and SFA's RMBS 3.0 Due Diligence, Data and Disclosure Working Group. The RMBS 3.0 TRID Compliance Review Scope was created with an aim to facilitate a

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uniform testing and risk identification standard as it would apply to an assignee, as a result of a consistent Truth-In-Lending Act liability interpretation according to the understanding of prevailing legal precedent and informal written guidance and webinars offered by the CFPB, as it applies to the Know Before You Owe / Truth In Lending Act ("TILA) – Real Estate Settlement Procedures Act ("RESPA") Integrated Disclosure ("TRID") Rule (78 FR 79730, as amended). RMBS 3.0 TRID Compliance Review Scope may be formally amended by the SFA RMBS 3.0 Due Diligence, Data and Disclosure Working Group as clarifying regulations may be promulgated on a go forward basis, as well as any binding judicial interpretations of the underlying law.

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

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

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

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

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

State and Federal High Cost and Higher-Priced:

● 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

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DATA INTEGRITY

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

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

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

&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;

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

DATA CAPTURE

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

**DATA COMPARE RESULTS**

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

Summary of data compare results:

---

| | | |
|:---|:---|:---|
| **Field Name** | **# of Loans** | **% Accuracy** |
| Borrower DSCR Percent | 4 | 97.74% |
| Combined LTV | 2 | 98.87% |
| Debt to Income Ratio (Back) | 5 | 97.18% |
| First Rate Change Date | 1 | 99.44% |
| HCLTV | 1 | 99.44% |
| Loan Purpose | 3 | 98.31% |
| Min Number | 1 | 99.44% |
| Number of Units | 1 | 99.44% |
| Original LTV | 2 | 98.87% |
| Origination Date | 1 | 99.44% |
| Property Type | 1 | 99.44% |
| Representative Credit Score for Grading | 7 | 96.05% |

---

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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.

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

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

**Initial and Final Credit Component Grade Results**

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

![](n5540clayton_img006.jpg)

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

\*Compliance results may not tie to total loan count based on business entity loans not being subject to a regulatory compliance review (52 loans in pool)

**CLAYTON THIRD PARTY REPORTS DELIVERED**

Clayton furnished the following reports on this transaction:

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Valuations Summary Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. NON-ATR QM Upload

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. Attestation Forms

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. ASF Upload

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. Rating Agency ATR/QM Data Fields

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10. Standard Upload

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**APPENDIX A: CREDIT REVIEW SCOPE**

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

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

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

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

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

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

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

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

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

– Citizenship status

– Non- occupant co-borrower

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

Maximum loan amount

– Loan purpose

– Occupancy

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

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

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

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

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

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

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

– Income documentation

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

– CPA letter

– Business licenses

– Tax transcripts (IRS Form 4506-T)

– Other documentation in loan file

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

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

– Documents did not appear to have been altered or inconsistent

– IRS Form 4506-T

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

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

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

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

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

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

– Complete copy of report was in loan file

– Report was dated within required timeframe

– All borrowers were included in the report

– Checked any fraud alerts against related loan file documentation

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

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

– Captured and utilized appropriate credit score for guideline review

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

– Title interest – determined if

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Leasehold
 estate

– Appropriate vestee(s) were listed on title policy

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

– Applicable title endorsements were present

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

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

– Captured monthly tax payments in debt ratio calculation

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

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

– Seller contributions did not exceed maximum allowed

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

– Disbursements and pay-offs included in debt ratio calculations

– Loan purpose confirmed

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

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

– Confirmed that any required insurance was for the:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Correct
 property

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

Confirmed that any required insurance minimum coverage amount and policy period

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

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

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

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

– Determined if mortgage insurance is required

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

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

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

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

– Social Security inconsistencies

– Borrower name variations

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

– Borrower address history

– Subject property ownership history

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

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

– Mortgage lender/originator

– Loan officer

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

**APPENDIX B: ORIGINATION APPRAISAL ASSESSMENT**

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

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

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

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

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

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

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

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

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

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

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

– Accurate identification of the subject property

– Accurate identification of the subject loan transaction

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

– All required attachments including:

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

– Property usage was reviewed for zoning compliance

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

– Neighborhood values were reviewed to determine if declining

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**APPENDIX C: REGULATORY COMPLIANCE REVIEW SCOPE**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Timing
 Requirements:

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

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

&nbsp;&nbsp;&nbsp;&nbsp;● 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Fee
 Tolerances:

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

&nbsp;&nbsp;&nbsp;&nbsp;● 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Payment
 Schedule Accuracy:

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;● Amount Financed

&nbsp;&nbsp;&nbsp;&nbsp;● Finance Charge

&nbsp;&nbsp;&nbsp;&nbsp;● Total of Payments

&nbsp;&nbsp;&nbsp;&nbsp;● Total interest percentage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Technical
 Requirements

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;● Alphabetization of fees.

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;● 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Completion
 of the LE and CD

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

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

&nbsp;&nbsp;&nbsp;&nbsp;● 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Waivers

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;● 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Post-Close
 CD's

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

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

&nbsp;&nbsp;&nbsp;&nbsp;● 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Related
 Documentation

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

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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**A.** **Higher-Priced** 

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

---

| | | |
|:---|:---|:---|
| **Higher-Priced** | **Higher-Priced** | **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 | |

---

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

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

---

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

---

BRAVO 2026-NQM1 Due Diligence Narrative Report Page \| 18 December 31, 2025

---

| | |
|:---|:---|
| &nbsp;&nbsp;**State/Local High Cost** | &nbsp;&nbsp;**State/Local High Cost** |
| &nbsp;&nbsp;Kentucky | &nbsp;&nbsp;Oklahoma |

---

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;C. Anti-Predatory

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

● 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).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;D. Borrower's
 Interest

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

---

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

---

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

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

---

| | |
|:---|:---|
| **Consumer Protection** | **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) |

---

BRAVO 2026-NQM1 Due Diligence Narrative Report Page \| 19 December 31, 2025

---

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;F. Texas Equity

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

**<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.© 2025 Clayton Services LLC. All rights reserved.

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

BRAVO 2026-NQM1 Due Diligence Narrative Report Page \| 20 December 31, 2025

## Exhibit 99.2

---

| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | **Citadel Securitization Flow Review_J10318** |
| **Start - End Dates:** | **06/15/2016-10/21/2025** |
| **Deal Loan Count:** | **176** |
| **Conditions Report 2.0** | **Conditions Report 2.0** |
| ***Loans in Report:*** | *176* |
| ***Loans with Conditions:*** | *63* |

---

---

| |
|:---|
| **0 - Total Active Conditions** |
| **42 - Total Satisfied Conditions** |
| 30 - Credit Review Scope |
| 4 - Category: Application |
| 2 - Category: DTI |
| 6 - Category: Income/Employment |
| 4 - Category: Insurance |
| 10 - Category: Legal Documents |
| 1 - Category: LTV/CLTV |
| 1 - Category: Terms/Guidelines |
| 2 - Category: Title |
| 2 - Property Valuations Review Scope |
| 2 - Category: Appraisal |
| 10 - Compliance Review Scope |
| 2 - Category: Compliance Manual |
| 1 - Category: Documentation |
| 1 - Category: Right of Rescission |
| 6 - Category: TILA/RESPA Integrated Disclosure |
| **48 - Total Waived Conditions** |
| 39 - Credit Review Scope |
| 1 - Category: Application |
| 4 - Category: Assets |
| 11 - Category: Credit/Mtg History |
| 1 - Category: DTI |
| 4 - Category: Income/Employment |
| 2 - Category: Insurance |
| 9 - Category: LTV/CLTV |
| 6 - Category: Terms/Guidelines |
| 1 - Category: Title |
| 6 - Property Valuations Review Scope |
| 6 - Category: Property |
| 3 - Compliance Review Scope |
| 1 - Category: Federal Consumer Protection |
| 2 - Category: TILA/RESPA Integrated Disclosure |

---

©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited.

## Exhibit 99.2

---

| | |
|:---|:---|
| **Client Name:** |  |
| **Client Project Name:** | **BRAVO 2026-NQM1** |
| **Start - End Dates:** | **6/15/2016 - 10/21/2025** |
| **Deal Loan Count:** | **176** |
| **Conditions Report 2.0** | **Conditions Report 2.0** |
| ***Loans in Report:*** | *176* |
| ***Loans with Conditions:*** | *63* |

---

---

| | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Original Principal Balance** | **State** | **Initial Lender ATR/QM Status** | **Loan Level ATR/QM Status** | **Initial Securitization Compliance Loan Grade** | **Final Securitization Compliance Loan Grade** | **Initial S&P Compliance Loan Grade** | **Final S&P Compliance Loan Grade** | **Condition Category** | **Condition Sub Category** | **Condition Status** | **Condition Code** | **Condition Description** | **Condition Material Indicator** | **Initial Comments** | **Client/Seller Response Comments** | **Conclusion Comments** | **TRID Error Type** | **Cure Method** | **Compensating Factors** |
| 859342 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXXXXX Comments: Borrower credit score of 645 exceeds min score requirement of 620.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXXXXX Comments: Borrower has mortgage payment history 0x30 since XXX.<br>CFCFS1736: Significant time at current residence<br> - XXXXXX Comments: Borrower has owned primary residence for 24 years. |
| 151730 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Credit | Credit/Mtg History | Waived B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | Borrower has one open/active tradeline; guidelines require 3 open/active tradelines. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXXXXX Comments: 755 qualifying score. Min required per guidelines is 600.<br>CFCFS1737: LTV below guideline requirements<br> - XXXXXX Comments: LTV is XXX%; max allowed per guidelines is XXX%. |
| 275940 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Credit | Credit/Mtg History | Waived B | CRDCRMH2662 | Number of mortgaged properties exceeds guideline limit | No | 1 of 17 loans with XXX which exceeds limit of 4, total number of financed loans is 66. Lender exception approval provided. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXXXXX Comments: The borrower has lived at the current residence for XXX years.<br>CFCFS2860: Good credit history<br> - XXXXXX Comments: Good credit history during the review period. |
| 326352 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Credit | Credit/Mtg History | Waived B | CRDCRMH2662 | Number of mortgaged properties exceeds guideline limit | No | 1 of 17 loans with XXX which exceeds limit of 4, total number of financed loans is 66. Lender exception approval provided. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXXXXX Comments: Guarantor has owned current primary residence for XXX years and XXX months.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXXXX Comments: Credit score of 620 is > the minimum of 620.<br>CFCFS1737: LTV below guideline requirements<br> - XXXXXX Comments: LTV of XXX is < the maximum LTV of XXX%. |
| 775559 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt C B | N/A | N/A C B | N/A | N/A | Credit | Credit/Mtg History | Waived C B | CRDCRMH2662 | Number of mortgaged properties exceeds guideline limit | No | 1 of 17 loans with ACRA which exceeds limit of 4. Total properties 87 of which 65 are financed. Lender exception approval provided. | 07/24/2025 lender response: Updated XXX uploaded07/24/2025 XXX response: Upon further review by XXX Sr Underwriter, exception considered non-material; Final Grade B. Comp Factors for LTV, Credit Score, and Time in Current Residence.07/25/2025 client acknowledged exception | 07/25/2025 Final grade B | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXXXXX Comments: LTV of XXX% is < the maximum of XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXXXX Comments: Credit score of 778 is > the minimum of 660.<br>CFCFS1736: Significant time at current residence<br> - XXXXXX Comments: The guarantor has owned current primary residence for XXX years and XXX months. |
| 159756 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXXXX Comments: Verified cash reserves $XXX or XXX months PITIA, guidelines do not require Reserves. |
| 594454 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXXXXX Comments: Borrower credit score of 670 exceeds min score requirement of 620.<br>CFCFS1736: Significant time at current residence<br> - XXXXXX Comments: Borrower has lived at current residence for the past: XXX years. |
| 404836 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt C B | A | A C B | A | A | Credit | Assets | Waived B | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | Gift of Equity received to cover down payment, closing costs and the sellers are also contributing 3% in concessions. Lender exception approval provided. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXXXXX Comments: Credit score of 694 is > the minimum of 640.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXXXXX Comments: Mortgage history reviewed for current primary residence for XXX months with 0 x 30. |
| 492134 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXXXXX Comments: Borrower has resided in current owner occupied residence for XXX years.<br>CFCFS1737: LTV below guideline requirements<br> - XXXXXX Comments: LTV is XXX%; max allowed per guidelines is XXX%.<br>CFCFS1739: Postive mortgage payment history<br> - XXXXXX Comments: Mortgage payment history is for XXX months when XXX months are required. |
| 901184 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXXXXX Comments: Borrower has resided in current residence for XXX years.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXXXXX Comments: Consumer credit show 0x30x99.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXXXX Comments: Borrower credit score of 800 exceeds min score requirement of 640. |
| 817528 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1739: Postive mortgage payment history<br> - XXXXXX Comments: Mortgage payment history is for XXX months when XXX months are required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXXXX Comments: Verified cash reserves $XXX or XXX months PITIA, guidelines required 0 months PITIA.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXXXX Comments: 671 qualifying score. Min required per guidelines is 660. |
| 165544 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt C | N/A | N/A C | N/A | N/A | Credit | LTV/CLTV | Satisfied C A | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | Using XXX ledger, calculated income lower than lender, calculating DSCR below 1. Per guidelines, for DSCR <1.0, maximum LTV for Cash out refinance is XXX%. subject LTV is XXX%. | 10/06/2025 Lender provided: Uploading updated XXX and 1003 using reviewers rental figure of $XXX for a DSCR of 1.216. | 10/06/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXXXXX Comments: 676 qualifying score. Min required per guidelines is 660.<br>CFCFS1739: Postive mortgage payment history<br> - XXXXXX Comments: Mortgage payment history is for XXX months when XXX months are required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXXXX Comments: Verified cash reserves $XXX or XXX months PITIA, guidelines required XXX months PITIA. |
| 279719 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Property Valuations | Property | Waived B | PRVAPROP241 | Property Type unacceptable under guidelines | No | Mixed use property not acceptable for DSCR Loan. Exception approval in file. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1739: Postive mortgage payment history<br> - XXXXXX Comments: Mortgage history reporting to credit is positive.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXXXX Comments: Qualifying score of 753 is above the minimum of 600 |
| 356396 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt C B | N/A | N/A C B | N/A | N/A | Credit | Insurance | Satisfied C A | CRDINSR5352 | Flood Effective date is greater than the transaction date | No | Flood Insurance Policy effective XXX; loan disbursement date XXX. | 10/07/2025 lender provided Amended Flood Policy | 10/07/2025 exception satisfied | Not Applicable | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXXXXX Comments: LTV of XXX% is < the maximum LTV of XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXXXX Comments: Credit score of 797 is > the minimum credit score of 640. |
| 894768 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Property Valuations | Property | Waived B | PRVAPROP2556 | Acreage exceeds property eligibility guidelines | No | Max allowed is XXX. Subject property is XXX acres. Lender exception approval provided | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXXXX Comments: Post-Closing Assets: $XXX/$XXX PITI = 7.81 months reserves.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - XXXXXX Comments: B2 has been self-employed for XXX years per the CPA<br>CFCFS2854: Significant time in profession<br> - XXXXXX Comments: B1 has been in her profession for XXX years. |
| 301771 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | Terms/Guidelines | Waived B | CRDTER113 | Loan amount is below guideline minimum | No | Loan amount XXX is below guideline minimum of XXX. Lender approval in file. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXXXXX Comments: Credit score 716 exceeds guidelines 660.<br>CFCFS1739: Postive mortgage payment history<br> - XXXXXX Comments: No mortgage lates on credit report. |
| 305390 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXXXXX Comments: Borrower credit score of 716 exceeds min score requirement of 660. |
| 650203 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - XXXXXX Comments: Borrower has 22 years at current job.<br>CFCFS1736: Significant time at current residence<br> - XXXXXX Comments: Borrower has XXX years at current primary.<br>CFCFS1744: DTI below guideline requirement<br> - XXXXXX Comments: DTI of 26.14% below max guides of 50%. |
| 140893 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXXXXX Comments: Min credit score required 660 File credit score 750<br>CFCFS1736: Significant time at current residence<br> - XXXXXX Comments: XXX Years and XXX months at current residence.<br>CFCFS2854: Significant time in profession<br> - XXXXXX Comments: 22 years and 0 months at current profession. |
| 958604 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXXXX Comments: XXX Verified. CTC: XXX. Post-Closing Assets: XXX = 21 months reserves. |
| 413704 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - XXXXXX Comments: LTV of XXX is below max LTV of XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXXXX Comments: Verified 674 FICO score. Minimum required 660. |
| 182678 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXXXXX Comments: Borrower has resided in current owner occupied residence for XXX years and XXX months.<br>CFCFS1737: LTV below guideline requirements<br> - XXXXXX Comments: LTV is XXX; max allowed per guidelines is XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXXXX Comments: Verified cash reserves XXX or 43.22 months PITIA, guidelines required XXX months PITIA. |
| 985111 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXXXX Comments: Total assets verified XXX. CTC XXX leaves reserves of XXX or 6 mos. Reserves required zero mos.<br>CFCFS1736: Significant time at current residence<br> - XXXXXX Comments: Borrower has resided in current residence for XXX years. |
| 144813 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Application | Satisfied D A | CRDAPP157 | Application Not Signed by Primary Borrower | No | Missing signed final 1003. | 11/7/25- Client responded- with stating providing updated ULAW. Ok per XXX to accept the commercial application as-is along with the attestation signed at closing. The initial application is provided through the intake system and is not a document that is signed at closing because it is not generated by XXX.11/7/25- File does not contain the commercial application you are requesting us to use instead of a final signed 1003. Exception remains.11/10/2025 client response: Closing package including Signed Final 1003 uploaded11/10/2025 XXXXXX response: Upload was not received. Please upload again.11/10/2025 client response: Investor Application Authorization and Signed Attestation along with ULAW with exception uploaded11/10/2025 XXXXXX response: Upon further review by XXXXXX Sr Underwriter, exception considered non-material; Final Grade B. Comp Factors for LTV, Reserves and Time at Current Residence.11/11/2025 client provided Signed Final 1003 | 11/11/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXXXXX Comments: LTV of XXX is < the maximum LTV of XXX<br>CFCFS1736: Significant time at current residence<br> - XXXXXX Comments: Borrower has been at current residence for XXX years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXXXX Comments: Total assets verified XXX. CTC XXX leaves reserves of XXX or 37.67 mos. Reserves required 0 mos. |
| 936237 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXXXXX Comments: Significant time at current residence, XXX years XXX months. |
| 900547 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | LTV/CLTV | Waived B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | LTV XXX, Max LTV per guidelines with DSCR < 1.00 is XXX | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1739: Postive mortgage payment history<br> - XXXXXX Comments: Mortgage payment history is for XXX months when XXX months are required.<br>CFCFS1746: Significant housing expense reduction<br> - XXXXXX Comments: Payment reduced from XXX to XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXXXX Comments: Verified cash reserves XXX or 21.30 months PITI, guidelines required XXX months PITIA. |
| 700625 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXXXXX Comments: Borrower has resided in current residence for XXX years.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXXXX Comments: Verified 635 FICO score. Minimum required 620<br>CFCFS2860: Good credit history<br> - XXXXXX Comments: Primary borrower has excellent credit payment history with 99 months reviewed reporting 0 late payments. |
| 243661 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXXXXX Comments: XXX has XXX years at current residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXXXX Comments: Total assets verified XXX CTC XXX leaves reserves of XXX or 29 mos. Reserves required 0 mos.<br>CFCFS1737: LTV below guideline requirements<br> - XXXXXX Comments: LTV is XXX; max allowed per guidelines is XXX. |
| 245027 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXXXXX Comments: Borrower has XXX years at current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXXXX Comments: Credit score of 782 exceeds min guides 730.<br>CFCFS1737: LTV below guideline requirements<br> - XXXXXX Comments: LTV of XXX exceeds max of XXX. |
| 748452 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXXXXX Comments: Credit score of 757 is > the minimum score of 660.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXXXXX Comments: Current primary residence mortgage was reviewed for XXX months with 0 x 30. |
| 284061 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXXXXX Comments: Borrower credit score of 779 exceeds min score requirement of 750.<br>CFCFS1737: LTV below guideline requirements<br> - XXXXXX Comments: LTV of XXX is below max LTV of XXX |
| 916019 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXXXXX Comments: Borrower has resided in current owner occupied residence for XXX years.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXXXX Comments: 765 qualifying score. Min required per guidelines is 760.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXXXX Comments: Verified cash reserves XXX or 107.11 months PITI, guidelines required 0 months PITI. |
| 895392 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXXXXX Comments: Borrower has resided at current primary residence for XXX years and XXX months.<br>CFCFS1737: LTV below guideline requirements<br> - XXXXXX Comments: LTV of XXX is < the maximum LTV of XXX.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXXXX Comments: Credit score of 637 is > the minimum credit score of 600. |
| 715222 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXXXXX Comments: 752 qualifying score. Min required per guidelines is 740.<br>CFCFS1737: LTV below guideline requirements<br> - XXXXXX Comments: LTV is XXX; max allowed per guidelines is XXX.<br>CFCFS1739: Postive mortgage payment history<br> - XXXXXX Comments: Mortgage and rental payment history is for XXX months when XXX months are required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXXXX Comments: Verified cash reserves XXX or 85.85 months PITI, guidelines required 0 months PITI. |
| 570967 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXXXXX Comments: The borrower has lived at the current residence for XXX years<br>CFCFS1739: Postive mortgage payment history<br> - XXXXXX Comments: Mortgage payment history reporting to credit is positive.<br>CFCFS1737: LTV below guideline requirements<br> - XXXXXX Comments: LTV is XXX; max allowed per guidelines is XXX. |
| 152701 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXXXXX Comments: XXX Years and XXX months at current residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXXXX Comments: Verified cash reserves XXX exceed guidelines XXX |
| 560426 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt C B | A | A C B | A | A | Credit | Credit/Mtg History | Waived B | CRDCRMH104 | Credit score below guidelines | No | Min credit score required 600 File credit score 546 | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXXXXX Comments: XXX Years and XXX months at current residence.<br>CFCFS1737: LTV below guideline requirements<br> - XXXXXX Comments: Max LTV XXX File XXX |
| 654368 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXXXXX Comments: Credit score of 750 is > the minimum credit score of 640.<br>CFCFS1736: Significant time at current residence<br> - XXXXXX Comments: Borrower has rented current primary residence for XXX years and XXX months.<br>CFCFS1737: LTV below guideline requirements<br> - XXXXXX Comments: LTV is XXX max allowed per guidelines is XXX. |
| 624354 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXXXXX Comments: Guarantor has owned current primary residence for XXX years and XXX months.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXXXXX Comments: Current 1st mortgage for primary residence reviewed for XXX months with 0x30. |
| 646232 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXXXXX Comments: The borrower has lived at the current residence for XXX years<br>CFCFS1739: Postive mortgage payment history<br> - XXXXXX Comments: Mortgage payment history reporting to credit is positive.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXXXX Comments: Qualifying score 799 is above the minimum score of 660 required for XXX LTV |
| 228556 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Legal Documents | Satisfied D A | CRDLGL4033 | Missing Legal Document(s) | No | Missing fully executed Loan Guaranty. File contains an unsigned copy. | 09/19/2025 lender provided Loan Guaranty | 09/19/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXXXXX Comments: LTV of XXX is < the maximum LTV of XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXXXX Comments: Total assets verified XXX. CTC XXX leaves reserves of XXX or 50.56 mos. Reserves required 0 mos. |
| 413405 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXXXXX Comments: Sgnificant time at current residence, XXX years XXX month. |
| 979638 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - XXXXXX Comments: LTV is XXX; max allowed per guidelines is XXX. |
| 899695 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - XXXXXX Comments: LTV of XXX is below max LTV of XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXXXX Comments: Verified 722 FICO score. Minimum required 640. |
| 986957 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - XXXXXX Comments: The borrower has been working for the current employer for 11 years<br>CFCFS1736: Significant time at current residence<br> - XXXXXX Comments: The borrower has lived at the current residence for XXX years<br>CFCFS1735: Co-Borrower has significant time at current job<br> - XXXXXX Comments: The co-borrower has been working for the same employer for 6 years |
| 155644 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - XXXXXX Comments: DTI 28.77% is below guideline requirement of 50%.<br>CFCFS1736: Significant time at current residence<br> - XXXXXX Comments: B1 has occupied the primary residence for XXX years.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - XXXXXX Comments: B2 has been XXX for 30 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXXXX Comments: Verified cash reserves XXX exceed guidelines XXX |
| 318685 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXXXXX Comments: XXX Years and XXX months at current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXXXX Comments: Min credit score required 660 File credit score 744. |
| 638959 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - XXXXXX Comments: LTV of XXX is below max LTV of XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXXXX Comments: Verified 790 FICO score. Minimum required 730. |
| 482730 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | LTV/CLTV | Waived B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | An Exception approval raising the LTV to XXX was found in the file. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXXXXX Comments: The borrower has been XXX for 9 years 8 months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXXXX Comments: Post-Closing Assets: XXX/XXX PITI = 2.54-months reserves.<br>CFCFS1737: LTV below guideline requirements<br> - XXXXXX Comments: The DTI is 42.77% and Guidelines allow the HCLTV to be XXX |
| 681352 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | Income/Employment | Waived B | CRDINC2408 | Income verification does not meet guidelines | No | P&L Statement program requires 3 months most recent bank statements to support P&L income per guidelines. Exception in file from lender to waive requirement. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXXXXX Comments: LTV of XXX is below max LTV of XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXXXX Comments: Verified 718 FICO score. Minimum required 660. |
| 486732 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR101 | Appraisal incomplete (missing map, layout, pages, etc) | No | Missing the complete appraisal. File contains pages 1-3 only. | 10/09/2025 lender provided Full Appraisal | 10/09/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXXXXX Comments: Borrower has resided in current owner occupied residence for XXX years XXX months.<br>CFCFS1739: Postive mortgage payment history<br> - XXXXXX Comments: Mortgage payment history is for XXX months when XXX months are required.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXXXX Comments: 773 qualifying score. Min required per guidelines is 660.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXXXX Comments: Verified cash reserves XXX exceed guidelines XXX. |
| 576345 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt C | A | A C | A | A | Credit | Income/Employment | Satisfied C A | CRDINC2488 | Verbal verification of employment missing | No | Missing verbal verification of employment, as required, for Borrower 1. | 09/11/2025 lender provided VVOE | 09/11/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXXXXX Comments: Borrower has been XXX - Dept of the XXX employed with 18 for 5 years.<br>CFCFS1737: LTV below guideline requirements<br> - XXXXXX Comments: LTV is XXX; max allowed per guidelines is XXX.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXXXX Comments: 807 qualifying score. Min required per guidelines is 700.<br>CFCFS1739: Postive mortgage payment history<br> - XXXXXX Comments: Mortgage payment history is for XXX months when XXX months are required.<br>CFCFS1744: DTI below guideline requirement<br> - XXXXXX Comments: DTI is 23.68%, max per guidelines is 50.49%. |
| 332446 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXXXXX Comments: Borrower credit score of 781 exceeds min score requirement of 660.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXXXXX Comments: Consumer credit show 0x30x99<br>CFCFS1736: Significant time at current residence<br> - XXXXXX Comments: Borrower has lived at current residence for the past: XXX years. |
| 855093 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Credit | LTV/CLTV | Waived B | CRDLTV3028 | LTV Exceeds Guideline Requirement by 10% or more | No | Per approval loan amount is XXX per guidelines max LTV for Loan amounts between XXX-XXX million with a score of 757 is XXX for Purchase. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXXXXX Comments: Verified 757 FICO score. Minimum required 740.<br>CFCFS2860: Good credit history<br> - XXXXXX Comments: Borrower has an excellent credit payment history with 99 months reviewed reporting 0 late payments. |
| 379406 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Legal Documents | Satisfied D A | CRDLGL4033 | Missing Legal Document(s) | No | Missing copy of the Guaranty and Loan Agreement | 10/09/2025 lender provided Closing Package including Guaranty and loan Agreement | 10/09/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXXXXX Comments: Borrower has resided in current residence for XXX years XXX months.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXXXX Comments: Borrower credit score of 735 exceeds min score requirement of 640.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - XXXXXX Comments: Mortgage history reflects 0 x 30 for the past 43 months. |
| 105661 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXXXXX Comments: Verified 784 FICO score. Minimum required 640.<br>CFCFS2860: Good credit history<br> - XXXXXX Comments: Borrower 2 has an excellent credit payment history with 82 months reviewed reporting 0 late payments. |
| 656334 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXXXXX Comments: The borrower has lived at the current residence for XXX years<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXXXX Comments: qualifying score of 742 is above the minimum 620 required for the approved LTV of XXX |
| 105068 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - XXXXXX Comments: LTV of XXX is below max LTV of XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXXXX Comments: Verified 783 FICO score. Minimum required 660.<br>CFCFS1744: DTI below guideline requirement<br> - XXXXXX Comments: DTI is 4.11%, max per guidelines is 50%.<br>CFCFS1736: Significant time at current residence<br> - XXXXXX Comments: Borrower has resided in current residence for XXX years XXX month. |
| 741830 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXXXXX Comments: Borrower has resided in current residence for XXX years.<br>CFCFS1737: LTV below guideline requirements<br> - XXXXXX Comments: LTV of XXX is below max LTV of XXX<br>CFCFS2860: Good credit history<br> - XXXXXX Comments: The borrower has good credit payment history with 82 months reviewed reporting 1 late payment. |
| 775169 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1739: Postive mortgage payment history<br> - XXXXXX Comments: No mortgage lates on credit report.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXXXX Comments: 709 qualifying score. Min required per guidelines is 600.<br>CFCFS1736: Significant time at current residence<br> - XXXXXX Comments: Borrower has resided in current residence for XXX years. |
| 389996 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Legal Documents | Satisfied D A | CRDLGL225 | Missing Rider | No | Provide signed Manufactured Home Rider. | 10/07/2025 lender provided Closing Package including Manufactured Home Rider | 10/07/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXXXXX Comments: Borrower credit score of 709 exceeds min score requirement of 600.<br>CFCFS1736: Significant time at current residence<br> - XXXXXX Comments: Borrower has lived at current residence for the past: XXX years. |
| 205610 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXXXXX Comments: Guarantor has lived at current residence for over XXX years. |
| 377340 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXXXXX Comments: Borrower has lived at current residence for the past: XXX years.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXXXXX Comments: Consumer credit show 0x30x82.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXXXX Comments: Borrower credit score of 704 exceeds min score requirement of 660. |
| 246848 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXXXXX Comments: Borrower has owned current primary residence for XXX years and XXX months.<br>CFCFS1746: Significant housing expense reduction<br> - XXXXXX Comments: Housing payment reduction from XXX to XXX |
| 137416 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXXXXX Comments: Credit score 726 exceeds guidelines 640. |
| 367885 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXXXXX Comments: Verified 721 FICO score. Minimum required 640.<br>CFCFS2860: Good credit history<br> - XXXXXX Comments: Borrower has an excellent credit payment history with 65 months reviewed reporting 0 late payments. |
| 677560 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXXXXX Comments: Verified 790 FICO score. Minimum required 660.<br>CFCFS2860: Good credit history<br> - XXXXXX Comments: Borrower has an excellent credit payment history with 99 months reviewed reporting 0 late payments. |
| 820262 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXXXXX Comments: Credit score of 767 is > the minimum credit score of 640.<br>CFCFS1737: LTV below guideline requirements<br> - XXXXXX Comments: LTV of XXX is < the maximum LTV of XXX. |
| 106384 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | LTV/CLTV | Waived B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | LTV of XXX exceed maximum LTV of XXX with DSCR - ITIN. Lender exception approval provided. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXXXXX Comments: Credit score of 740 is > the minimum credit score of 700.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXXXX Comments: Total assets verified XXX. CTC XXX leaves reserves of XXX or 20.22 mos. Reserves required 0 mos. |
| 997760 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXXXXX Comments: Min credit score required 660 File credit score 745.<br>CFCFS1736: Significant time at current residence<br> - XXXXXX Comments: XXX years and XXX months at current residence. |
| 862417 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt C B | A | A C B | A | A | Credit | Insurance | Waived C B | CRDINSR289 | Insufficient Hazard Insurance Coverage | No | Missing documentation to support 6 months gross rental income rent loss insurance coverage. Rent loss coverage should be to the lessor of PITIA or rent received/scheduled. | 10/06/2025 lender response: ULAW in file reflecting exception made for missing 6 month rent loss coverage uploaded10/06/2025 XXXXXX response: Upon further review by XXXXXX Sr Underwriter, exception considered non-material; Final Grade B. Comp Factors for Reserves.10/06/2025 client acknowledged exception | 10/06/2025 Final grade B | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXXXX Comments: Total assets verified XXX. CTC XXX leaves reserves of XXX or 64.61 mos. Reserves required 0 mos |
| 486139 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXXXXX Comments: Borrower credit score of 782 exceeds min score requirement of 660.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXXXXX Comments: Consumer credit show 0x30x70.<br>CFCFS1736: Significant time at current residence<br> - XXXXXX Comments: Borrower has lived at current residence for the past: XXX years. |
| 159536 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - XXXXXX Comments: LTV of XXX is below max LTV of XXX<br>CFCFS1736: Significant time at current residence<br> - XXXXXX Comments: Borrower has resided in current residence for XXX years. |
| 991679 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXXXXX Comments: Significant time at current residence, XXX years<br>CFCFS1737: LTV below guideline requirements<br> - XXXXXX Comments: LTV of XXX is below max LTV of XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXXXX Comments: Verified reserves XXX. Required reserves $0. |
| 303575 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXXXXX Comments: Min credit score required 660 File credit score 793. |
| 616003 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt C B | N/A | N/A C B | N/A | N/A | Credit | LTV/CLTV | Waived C B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | LTV XXX exceeds the maximum of XXX for cash out refinance with loan amount XXX | 10/03/2025lender response Updated ULAW uploaded10/03/2025 XXXXXX response: Upon further review by XXXXXX Sr Underwriter, exception considered non-material; Final Grade B. Comp Factors for DTI and Credit Score.10/03/2025 client acknowledged exception | 10/03/2025 Final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXXXXX Comments: Credit score 778 exceeds min guides 700<br>CFCFS1744: DTI below guideline requirement<br> - XXXXXX Comments: DTI of 19.54% is below guideline requirement of 50%. |
| 580300 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - XXXXXX Comments: LTV of XXX is below max LTV of XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXXXX Comments: 607 qualifying score. Min required per guidelines is 600. |
| 152123 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXXXXX Comments: Borrower has owned primary residence for XXX years.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXXXX Comments: Verified 640 FICO score. Minimum required 640.<br>CFCFS1737: LTV below guideline requirements<br> - XXXXXX Comments: LTV of XXX is below max LTV of XXX<br>CFCFS2860: Good credit history<br> - XXXXXX Comments: Borrower has an excellent credit payment history with 82 months reviewed reporting 1 late payment. |
| 761623 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - XXXXXX Comments: LTV of XXX is < the maximum LTV of XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXXXX Comments: Credit score of 666 is > the minimum credit score of 640.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXXXX Comments: Verified cash reserves XXX exceed guidelines $0. |
| 874333 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXXXXX Comments: Borrower has resided in current residence for XXX years, XXX months.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXXXXX Comments: Mortgage payment history is 0 xx 30 for XXX and XXX months when 12 months are required. |
| 305956 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXXXX Comments: Verified cash reserves XXX. Required reserves $0. |
| 724400 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | Terms/Guidelines | Waived B | CRDTER4631 | Loan parameters do not meet guidelines | No | Appraisal dated XXX reflects subject property is vacant and subject transaction is a cash out refinance of an investment property. Per guidelines, vacant properties are not eligible for a refinance with senior management approval and evidence of improvements. Missing documentation to support evidence of improvements made to the subject property.Signed lease in file beginning XXX. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXXXXX Comments: Borrower has owned current primary residence for XXX years and XXX months.<br>CFCFS1737: LTV below guideline requirements<br> - XXXXXX Comments: LTV of XXX is < the maximum LTV of XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXXXX Comments: Credit score of 661 is > the minimum credit score of 600. |
| 366419 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - XXXXXX Comments: LTV of XXX is below max LTV of XXX.<br>CFCFS2860: Good credit history<br> - XXXXXX Comments: Borrower has an excellent credit payment history with 82 months reviewed reporting 0 late payments.<br>CFCFS1736: Significant time at current residence<br> - XXXXXX Comments: Borrower has resided in current residence for XXX years. |
| 267578 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D B | N/A | N/A D B | N/A | N/A | Credit | Insurance | Waived D B | CRDINSR3792 | Insurance policy missing Rent Loss/Business Interruption coverage | No | Missing Rent Loss insurance coverage required by Guidelines. | 10/17/2025 lender response: Updated ULAW uploaded10/17/2025 XXXXXX response: Upon further review by XXXXXX Sr Underwriter, exception considered non-material; Final Grade B. Comp Factors for Credit Score, Good credit history and time at current residence.10/17/25- Client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXXXXX Comments: Borrower has resided in current residence for XX years XXX months.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXXXX Comments: Verified 737 FICO score. Minimum required 640.<br>CFCFS2860: Good credit history<br> - XXXXXX Comments: Borrower has an excellent credit payment history with 82 months reviewed reporting 0 late payments. |
| 888919 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Insurance | Satisfied D A | CRDINSR848 | Missing Hazard Insurance | No | Missing HOI for subject property. | 11/20/2025 client response: HOI uploaded11/20/2025 XXXXXX response: Evidence of Hazard Insurance provided also includes Notice of Hazard Cancellation, effective XXX. Exception remains.11/25/25- HOI provided with effective date (cancellation removed) | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXXXXX Comments: 772 qualifying score. Min required per guidelines is 760.<br>CFCFS1736: Significant time at current residence<br> - XXXXXX Comments: Borrower has resided in current owner occupied residence for XXX years and XXX months.<br>CFCFS1737: LTV below guideline requirements<br> - XXXXXX Comments: LTV is XXX; max allowed per guidelines is XXX<br>CFCFS1739: Postive mortgage payment history<br> - XXXXXX Comments: Mortgage payment history is for 57 months when 12 months are required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXXXX Comments: Verified cash reserves XXX or 21.26 months PITIA, guidelines required 0 months PITIA. |
| 920463 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXXXXX Comments: The borrower has occupied the primary residence for XXX years.<br>CFCFS1737: LTV below guideline requirements<br> - XXXXXX Comments: The HCLTV is XXX and guidelines allow the HCLTV to be XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXXXX Comments: Post-Closing Assets: XXX/XXX PITI = 23.72 months reserves. |
| 578498 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Property Valuations | Property | Waived B | PRVAPROP177 | Property Issues Indicated | No | Appraisal reflects that the subject property's value surpasses the predominant neighborhood value due to its larger size and upgrades, potentially limiting marketability to a niche buyer. Marketing type is over 6 months. Subject property is considered unique. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXXXXX Comments: Credit Score of 742 is > the minimum credit score of 700.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXXXX Comments: Total assets verified XXX. CTC XXX leaves reserves of XXX or 7.19 mos. Reserves required 3 mos for exception.<br>CFCFS1737: LTV below guideline requirements<br> - XXXXXX Comments: LTV of XXX is < the maximum LTV of XXX. |
| 965463 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXXXXX Comments: Verified 796 FICO score. Minimum required 660.<br>CFCFS1737: LTV below guideline requirements<br> - XXXXXX Comments: LTV of XXX is below max LTV of XXX |
| 982533 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Credit | Credit/Mtg History | Waived B | CRDCRMH2662 | Number of mortgaged properties exceeds guideline limit | No | With subject purchase, Borrower will have 5 open mortgages with this lender. Guidelines maximum is 4 open mortgages with this lender. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXXXX Comments: Total assets verified XXX. CTC XXX leaves reserves of XXX or 89.09 mos. No reserves required.<br>CFCFS1736: Significant time at current residence<br> - XXXXXX Comments: The borrowers have lived at the current residence for XXX years<br>CFCFS1737: LTV below guideline requirements<br> - XXXXXX Comments: Loan LTV XXX is less than the max LTV of XXX |
| 448630 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXXXXX Comments: The borrower has occupied the primary residence for XXX years.<br>CFCFS1737: LTV below guideline requirements<br> - XXXXXX Comments: The HCLTV is XXX and guidelines allow the HCLTV to be XXX |
| 846795 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXXXXX Comments: Credit score of 721 is > the minimum of 640.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXXXX Comments: Total assets verified XXX CTC XXX leaves reserves of XXX or 5.84 mos. Reserves required 0 mos.<br>CFCFS1744: DTI below guideline requirement<br> - XXXXXX Comments: DTI of 30.95% is < the maximum DTI of 50%. |
| 399010 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - XXXXXX Comments: LTV of XXX is < the maximum LTV of XXX.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXXXX Comments: Credit score of 760 is > the minimum credit score of 660.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXXXX Comments: Total assets verified XXX. CTC XXX leaves reserves of XXX or 9.12 mos. Reserves required 0 mos. |
| 153611 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXXXXX Comments: Borrower credit score of 793 exceeds min score requirement of 750.<br>CFCFS1737: LTV below guideline requirements<br> - XXXXXX Comments: LTV of XXX is below max LTV of XXX |
| 755360 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXXXXX Comments: Credit score of 714 is > the minimum credit score of 700.<br>CFCFS1737: LTV below guideline requirements<br> - XXXXXX Comments: LTV of XXX is < the maximum LTV of XXX<br>CFCFS1736: Significant time at current residence<br> - XXXXXX Comments: Borrower has lived at primary residence for XXX years. |
| 888049 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Application | Satisfied D A | CRDAPP130 | Application is incomplete | No | Missing a signed final 1003 | 10/29/2025 lender provided Signed Final 1003 | 10/29/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXXXXX Comments: The borrowers have occupied the primary residence for XXX yeas XXX months. |
| 424587 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXXXXX Comments: Borrower has lived at current residence for the past: XXX years.<br>CFCFS1737: LTV below guideline requirements<br> - XXXXXX Comments: Actual LTV XXX / Max LTV XXX |
| 283237 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXXXXX Comments: 731 qualifying score. Min required per guidelines is 720.<br>CFCFS1739: Postive mortgage payment history<br> - XXXXXX Comments: Mortgage payment history is for XXX months when XXX months are required.<br>CFCFS1737: LTV below guideline requirements<br> - XXXXXX Comments: LTV is XXX; max allowed per guidelines is XXX |
| 526601 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Title | Satisfied C A | CRDTIL875 | Title Does Not Agree With Mortgage | No | Title Commitment reflects the Guarantor as the Proposed Insured. The Mortgage Deed reflects the Entity Name. | 10/13/2025 lender response: Corrected Title Commitment uploaded | 10/13/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXXXXX Comments: LTV of XXX is < the maximum LTV of XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXXXX Comments: Credit score of 761 is > the minimum credit score of 620. |
| 678852 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - XXXXXX Comments: LTV is XXX; max allowed per guidelines is XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXXXX Comments: Verified cash reserves XXX or 61.83 months PITI, guidelines required 0 months PITI.<br>CFCFS1739: Postive mortgage payment history<br> - XXXXXX Comments: Mortgage payment history is for XXX months when XXX months are required. |
| 612085 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXXXXX Comments: Verified 777 FICO score. Minimum required 700.<br>CFCFS2860: Good credit history<br> - XXXXXX Comments: Borrower has an excellent credit payment history with 92 months reviewed reporting 0 late payments.<br>CFCFS1736: Significant time at current residence<br> - XXXXXX Comments: Borrower has resided in current residence for XX years. |
| 927615 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - XXXXXX Comments: LTV of 75% is < the maximum LTV of 85%.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXXXX Comments: Credit score of 761 is > the minimum credit score of 640.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXXXX Comments: Total assets verified XXX. CTC $97,807.16 leaves reserves of XXX or 45.60mos. Reserves required 0 mos. |
| 341573 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXXXXX Comments: Verified 720 FICO score. Minimum required 660.<br>CFCFS2860: Good credit history<br> - XXXXXX Comments: Borrower has an excellent credit payment history with 99 months reviewed reporting 0 late payments. |
| 269499 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXXXXX Comments: Borrower credit score of 804 exceeds min score requirement of 720.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXXXXX Comments: Consumer credit show 0x30x99<br>CFCFS1736: Significant time at current residence<br> - XXXXXX Comments: Borrower has lived at current residence for the past: XXX years. |
| 625529 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D B | N/A | N/A D B | N/A | N/A | Credit | LTV/CLTV | Waived B | CRDLTV3028 | LTV Exceeds Guideline Requirement by 10% or more | No | LTV XXX exceeds the maximum of XXX for cash out refinance transaction on rural property. Lender approval in file. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXXXXX Comments: The borrower has lived at the current residence for XXX years<br>CFCFS2860: Good credit history<br> - XXXXXX Comments: Credit history is positive.<br>CFCFS1739: Postive mortgage payment history<br> - XXXXXX Comments: Mortgage payment history documented with bank statements is positive. |
| 682455 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXXXXX Comments: Credit score of 783 is > the minimum credit score of 640.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXXXX Comments: Total assets verified XXX. CTC $XXX leaves reserves of XXX or 50.42 mos. Reserves required 0 mos.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXXXXX Comments: Current and previous mortgage for primary residence reviewed for XXX months with 0 x30. |
| 609751 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D B | N/A | N/A D B | N/A | N/A | Credit | Income/Employment | Satisfied C A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Provide the bank statement from XXX #XXX dated XXX to complete the income calculation. | 10/20/25- Client uploaded Dec bank as requested | Exception satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXXXXX Comments: Borrower has been employed with XXX for 5 years and 8 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXXXX Comments: 793 qualifying score. Min required per guidelines is 740.<br>CFCFS1739: Postive mortgage payment history<br> - XXXXXX Comments: Mortgage payment history is for 45 months when 12 months are required.<br>CFCFS1744: DTI below guideline requirement<br> - XXXXXX Comments: DTI is 43.37% is below guideline requirement of 50%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXXXX Comments: Verified cash reserves XXX or 93.59 months PITIA, guidelines required 0 months PITIA. |
| 713712 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXXXXX Comments: Verified 717 FICO score. Minimum required 640.<br>CFCFS2860: Good credit history<br> - XXXXXX Comments: Borrower has an excellent credit payment history with 82 months reviewed reporting 0 late payments.<br>CFCFS1736: Significant time at current residence<br> - XXXXXX Comments: Borrower has resided in current residence for XXX years XXX months. |
| 405728 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXXXXX Comments: Verified 712 FICO score. Minimum required 640.<br>CFCFS1737: LTV below guideline requirements<br> - XXXXXX Comments: LTV of XXX is below max LTV of XXX. |
| 781722 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXXXXX Comments: Credit score 755 exceeds guidelines 660. |
| 841822 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Application | Satisfied D A | CRDAPP157 | Application Not Signed by Primary Borrower | No | Missing fully executed final 1003. | 10/03/2025 lender provided Closing Package including Signed 1003 | 10/03/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXXXXX Comments: Borrower has owned current primary residence for XXX years.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXXXX Comments: Credit score of 785 is > the minimum credit score of 660.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXXXX Comments: Total assets verified XXX. CTC XXX leaves reserves of XXX or 30.87 mos. Reserves required 0 mos. |
| 161399 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXXXXX Comments: Borrower has resided in current residence for XXX years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXXXX Comments: Total assets verified XXX. CTC XXX leaves reserves of XXX or 46.18 mos. Reserves required none.<br>CFCFS1737: LTV below guideline requirements<br> - XXXXXX Comments: LTV of XXX is below max LTV of XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXXXX Comments: Verified 713 FICO score. Minimum required 660. |
| 960817 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXXXX Comments: Total assets verified XXX. CTC $87,539.31 leaves reserves of XXX or 39.84. mos. Reserves required none.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXXXXX Comments: Mortgage payment history is 0 x 30 for XXX, XXX and XXX months when XXX months are required.<br>CFCFS1736: Significant time at current residence<br> - XXXXXX Comments: Borrower has resided in current residence for XXX years. |
| 223250 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXXXXX Comments: credit score 799 exceeds minimum of 700<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXXXXX Comments: 0x30 over 24 months<br>CFCFS1737: LTV below guideline requirements<br> - XXXXXX Comments: LTV XXX below max of XXX |
| 656209 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - XXXXXX Comments: Max DTI 50.49% File 3.29%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXXXX Comments: Verified cash reserves XXX exceed guidelines $0. |
| 703746 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - XXXXXX Comments: The HCLTV is XXX and guidelines allow the HCLTV to be XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXXXX Comments: Post-Closing Assets: XXX/XXX PITIA = 15.10 months reserves. |
| 173663 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXXXXX Comments: No lates on credit report.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXXXX Comments: 703 qualifying score. Min required per guidelines is 660. |
| 792899 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXXXXX Comments: Borrower credit score of 668 exceeds min score requirement of 640.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXXXXX Comments: Mortgage history reflects 0 x 30 for the past XXX months. |
| 579444 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt C B | N/A | N/A C B | N/A | N/A | Credit | Credit/Mtg History | Waived C B | CRDCRMH2662 | Number of mortgaged properties exceeds guideline limit | No | Per guidelines, XXX limits the number of open loans with the same borrower at any one time to a maximum of four (4) or an aggregate amount of XXX, whichever is less for first mortgages only. The borrower has 8 loans with lender. | 8/19/25- Client upload updated ULAW with exception approval to allow8/20/25- Client acknowledged exception | Exception re-grade to B | (No Data) | Not Applicable | CFCFS1739: Postive mortgage payment history<br> - XXXXXX Comments: Mortgage payment history is for XXX months when XXX months are required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXXXX Comments: Verified cash reserves XXX exceed guidelines XXX |
| 159796 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | D | A D B | D | A | Credit | LTV/CLTV | Waived B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | LTV XXX exceeds the maximum for cash out refinance transaction with credit score 655 of XXX. Lender approval in file. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXXXXX Comments: The borrower has been XXX for 8 years 7 months.<br>CFCFS1744: DTI below guideline requirement<br> - XXXXXX Comments: The DTI is 24.22% and guidelines allow the DTI to be 50% |
| 390920 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXXXXX Comments: XXX years and XXX months at current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXXXX Comments: Min credit score required 640 File credit score 677. |
| 143192 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXXXXX Comments: Credit score 772 exceeds guidelines 640.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - XXXXXX Comments: B2 has been with the employer for 14 years 1 month<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXXXX Comments: Verified cash reserves XXX exceed guidelines XXX |
| 960510 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | Credit/Mtg History | Waived B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | 0x30x24 Mortgage History required, lender exception made. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXXXXX Comments: XXX Years and XXX months at current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXXXX Comments: Min credit score required 730 File credit score 755<br>CFCFS1737: LTV below guideline requirements<br> - XXXXXX Comments: LTV is XXX; max allowed per guidelines is XXX. |
| 534180 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | Credit | LTV/CLTV | Waived B | CRDLTV5736 | LTV Exceeds Guideline Requirement by less than 5% | No | LTV Exceeds Guideline Requirement by less than 5%- maximum LTV allow for ITIN is XXX; exception approval is in the file for XXX max. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXXXXX Comments: Borrower credit score of 710 exceeds min score requirement of 640.<br>CFCFS1736: Significant time at current residence<br> - XXXXXX Comments: Borrower has lived at current residence for the past: XXX years.<br>CFCFS2854: Significant time in profession<br> - XXXXXX Comments: Borrower has been in this line of work in the past: 29 years. |
| 496584 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | A | A C B | A | A | Credit | Terms/Guidelines | Waived C B | CRDTER4631 | Loan parameters do not meet guidelines | No | Borrower owns two Second homes. Subject property is < XXX away from other Second home. Lender Exception provided. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXXXXX Comments: LTV of XXX is below max LTV of XXX.<br>CFCFS1736: Significant time at current residence<br> - XXXXXX Comments: Borrower has lived at primary residence for over XXX years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXXXX Comments: AIF- Verified assets XXX. CTC XXX. Loan amt $400K leaves reserves of XXX or 88.36 mos. |
| 832444 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | Credit | Terms/Guidelines | Waived B | CRDTER4631 | Loan parameters do not meet guidelines | No | Borrower owns two Second homes. Subject property is < XXX away from other Second home. Lender Exception provided | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXXXXX Comments: Borrower has resided in current owner occupied residence for XXX years.<br>CFCFS1737: LTV below guideline requirements<br> - XXXXXX Comments: LTV is XXX; max allowed per guidelines is XXX.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXXXX Comments: 812 qualifying score. Min required per guidelines is 780. |
| 393262 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | B | B A | B | B | Compliance | TILA/RESPA Integrated Disclosure | Waived B | CMPTRID3492 | TRID - Waiver of TRID waiting period in file | No | Handwritten letter waiving 3 day waiting period & client Approval email in file. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXXXX Comments: Total additional assets verified for CTC and reserves XXX. CTC XXX leaves reserves of XXX or 50.05 mos. 6 mos required.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXXXXX Comments: Credit report with a mortgage rating of 0x30x99. |
| 143174 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | C | A C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Provide proof Initial CD issued XXX was received at least 3 business days prior to Closing. | 7.15.25-Client provided Initial CD issued & e-signed XXX | 7.15.25-Exception Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXXXXX Comments: LTV XXX is below guideline requirements of XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXXXX Comments: Credit score 765 exceeds guidelines 640.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXXXX Comments: Verified cash reserves XXX exceed guidelines $0. |
| 475718 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | A | A C B | A | A | Credit | Title | Satisfied C A | CRDTIL875 | Title Does Not Agree With Mortgage | No | Title supplement reflects the proposed insured names for B1 & B2 are their first and last names only. The Deed of Trust reflects B2 utilizing a middle name. | 07/23/2025 lender response: The use of a middle name is quite common and has no bearing on the approvability of the loan or the validity of the note and deed. Uploading aka statement from the closing package showing her name without the middle name. | 07/23/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXXXXX Comments: Per VVOE, the borrower has been employed with current employer since XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXXXX Comments: Total assets verified XXX. CTC XXX leaves reserves of XXX or 24.85 mos. Reserves required 6 mos.<br>CFCFS1744: DTI below guideline requirement<br> - XXXXXX Comments: DTI of 38.93% is < the maximum of 50.49%.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXXXX Comments: Credit score of 818 is > the minimum of 640. |
| 600686 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | B | B A | B | B | Compliance | TILA/RESPA Integrated Disclosure | Waived B | CMPTRID3492 | TRID - Waiver of TRID waiting period in file | No | 3 Day Waiver Letter and Lender Approval Letter in file.Final Grade B. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXXXXX Comments: XXX Years and XXX months at current residence.<br>CFCFS2854: Significant time in profession<br> - XXXXXX Comments: 25 years and 5 months at current profession.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXXXX Comments: Verified cash reserves XXX exceed guidelines XXX |
| 206815 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | D | B D A | D | B | Compliance | Right of Rescission | Satisfied C B | CMPROR2330 | ROR - Disbursement date is before end of statutory rescission period | No | ROR Expiration date of XXX; disbursement date per Final CD indicate loan disbursed date of XXX. Borrower did not receive full mandatory rescission period prior to disbursement of funds. | 10.7.25-Client provided PCCD issued XXX.1. Letter of Explanation (not required if new XXX is signed)2. Corrected PCCD or detailed LOE re-disclosing correct information3. Re-open Rescission (new XXX and new 3-day rescission period)4. Proof of Delivery.10.9.25-Client requested "Please clarify if provided PFCD and Final Settlement Statement suffice the exception."The PFCD does not suffice the exception. Additional requirements, Provide proof of delivery of PCCD & New XXX to all entitled.10.15.25-After secondary counsel, Final Settlement Statement with correct funding date is sufficient. | 10.7.25-Exception Remains.10.9.25-Exception Remains.10.15.25-Exception Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXXXXX Comments: DTI is 47.54%, max per guidelines is 50%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXXXXX Comments: Mortgage payment history is 0 x 30 for XXX months when XXX months are required.<br>CFCFS1737: LTV below guideline requirements<br> - XXXXXX Comments: LTV of XXX is below max LTV of XXX<br>CFCFS2860: Good credit history<br> - XXXXXX Comments: Verified 750 FICO score. Minimum required 600. |
| 956273 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | Property Valuations | Property | Waived B | PRVAPROP2556 | Acreage exceeds property eligibility guidelines | No | will purchase loans secured by properties that are located on lot sizes up toXXX XXX. Property XXX. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXXXX Comments: Assets: Assets verified at XXX less cash from borrower XXX equals XXX or 357.88 months PITIA.<br>CFCFS1736: Significant time at current residence<br> - XXXXXX Comments: Min credit score required 640 File credit score 798. |
| 360542 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Credit | Insurance | Satisfied D A | CRDINSR848 | Missing Hazard Insurance | No | Missing Master Policy Condo | 09/11/2025 lender provided Condo Master Policy | 09/11/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXXXXX Comments: XXX years at current residence.<br>CFCFS2854: Significant time in profession<br> - XXXXXX Comments: 25 years at same profession.<br>CFCFS1737: LTV below guideline requirements<br> - XXXXXX Comments: LTV of XXX exceeds max LTV XXX |
| 720717 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXXXXX Comments: Verified 641 FICO score. Minimum required 640.<br>CFCFS2854: Significant time in profession<br> - XXXXXX Comments: Borrower has successfully retained employment in the roofing industry for 20 years.<br>CFCFS1744: DTI below guideline requirement<br> - XXXXXX Comments: DTI is 18.65%, max per guidelines is 50%. |
| 950678 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Missing verification of PITI for REO on XXX borrower co-signed with family member. | 09/18/2025 lender response: Uploading 1st payment letter09/18/2025 XXXXXX response: Exception is for verification of PITI for REO on XXX. First Payment Letter provided is for a different address of XXX. Exception remains.09/25/2025 lender response: Uploading XXX showing borrowers do not own XXX. Also uploading revised 1003. Page 2 of the uploaded 1st payment letter contains the payment coupons where the borrower is to mail the mortgage payments. The coupons reference the actual property address of XXX. The address on the 1st page is the mailing address for where the 1st payment letter was mailed (their daughters address) | 09/25/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXXXXX Comments: Credit score of 722 exceeds guidelines of 700.<br>CFCFS1744: DTI below guideline requirement<br> - XXXXXX Comments: DTI 9.68% is below the guideline minimum of 40%.<br>CFCFS1736: Significant time at current residence<br> - XXXXXX Comments: Borrowers have owned primary residence for XXX years.<br>CFCFS1734: Borrower has significant time at current job<br> - XXXXXX Comments: B1 has been XXX at current job for 23 years. |
| 593663 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXXXXX Comments: Borrower has resided in current residence for XXX years.<br>CFCFS1737: LTV below guideline requirements<br> - XXXXXX Comments: LTV of XXX is below max LTV of XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXXXX Comments: Borrower credit score of 740 exceeds min score requirement of 725.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXXXX Comments: Verified reserves XXX Required reserves XXX. |
| 818692 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | Credit | Terms/Guidelines | Waived B | CRDTER4631 | Loan parameters do not meet guidelines | No | Borrower is qualifying with No Credit Score and lender Guidelines require Doc Type to be Full Doc only. Borrower is qualifying with Bank Statement Doc Type. Lender exception in file. | 10/20/25- Client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXXXXX Comments: The borrower has occupied the subject property for XXX years XXX months<br>CFCFS1734: Borrower has significant time at current job<br> - XXXXXX Comments: The borrower has been XXX for 35 years 3 months.<br>CFCFS1737: LTV below guideline requirements<br> - XXXXXX Comments: The HCLTV is XXX and guidelines allow the HCLTV to be XXX. |
| 300038 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - XXXXXX Comments: Borrower has 15.7 years at current profession.<br>CFCFS1737: LTV below guideline requirements<br> - XXXXXX Comments: LTV of XXX is below max of XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXXXX Comments: Credit score of 738 is below min of 660. |
| 370408 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | A | A D B | A | A | Property Valuations | Property | Waived B | PRVAPROP177 | Property Issues Indicated | No | Condo project where one entity owns greater than 10% of rented units. Lender approval in file. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXXXXX Comments: Significant time at current residence, XXX years XXX months.<br>CFCFS1734: Borrower has significant time at current job<br> - XXXXXX Comments: Borrower has significant time at current job, 16 years 10 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXXXX Comments: Borrower credit score of 798 exceeds min score requirement of 750. |
| 976810 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | Property Valuations | Property | Waived B | PRVAPROP2556 | Acreage exceeds property eligibility guidelines | No | Subject property is XXX exceeds max XXX of XXX. Lender exception approval provided. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXXXXX Comments: Significant time at current residence XXX years.<br>CFCFS1739: Postive mortgage payment history<br> - XXXXXX Comments: Positive mortgage payment history 0X30X.51<br>CFCFS1734: Borrower has significant time at current job<br> - XXXXXX Comments: Borrower has been XXX since 12/01/2019, 5 years 9 months. |
| 684613 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - XXXXXX Comments: Borrower has 34 years at current profession.<br>CFCFS1736: Significant time at current residence<br> - XXXXXX Comments: Borrower has XXX years at current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXXXX Comments: Credit score of 809 exceeds min guides 640.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXXXXX Comments: Mortgage payment history is 0 x 30 for XXX months when XXX months are required.<br>CFCFS1744: DTI below guideline requirement<br> - XXXXXX Comments: DTI is 40.22%, max per guidelines is 50%. |
| 541105 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Missing verification of HOA for the following properties: XXX, XXX, XXX,XXX and XXX | 10/09/2025 lender response: Uploading XXX for XXX, XXX and XXX all showing SFR. There are no HOA dues for these properties. Uploading XXX for XXX showing XXX/month HOA dues. Also uploading updated 1003 and ULAW reflecting the HOA dues for XXX. Uploading yelp for XXX. showing property is a restaurant. This info coincides with the SiteX and HOI policy previously provided. There are no HOA dues for restaurant | 10/09/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXXXXX Comments: LTV is XXX; max allowed per guidelines is XXX.<br>CFCFS1734: Borrower has significant time at current job<br> - XXXXXX Comments: Borrower has been XXX for 28 years 6 monrths.<br>CFCFS1736: Significant time at current residence<br> - XXXXXX Comments: Significant time at current residence, XXX years.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - XXXXXX Comments: Co-Borrower has significant time at current job, 9 years 8 months. |
| 428242 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | Credit | Credit/Mtg History | Waived B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Escrow waiver requires 24 months housing history 0x30. File verified 18 months. Provide housing payment history from XXX-XXX. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXXXXX Comments: Significant time at current residence, XXX years.<br>CFCFS2860: Good credit history<br> - XXXXXX Comments: Good credit history 0X30X110. |
| 948940 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXXXXX Comments: 759 qualifying score. Min required per guidelines is 740.<br>CFCFS1737: LTV below guideline requirements<br> - XXXXXX Comments: LTV is XXX; max allowed per guidelines is XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXXXX Comments: Verified cash reserves XXX or 27.95 months PITIA, guidelines required 0 months PITIA. |
| 216227 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | A | A C | A | A | Credit | Income/Employment | Satisfied C A | CRDINC2488 | Verbal verification of employment missing | No | Missing required verification of employment within 3 days prior to closing/signing. | 09/09/2025 lender provided VOE | 09/09/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXXXXX Comments: DTI is 34.38%, max per guidelines is 50.49%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXXXX Comments: Verified cash reserves XXX or 42.92 months PITIA, guidelines required 6 months PITIA. |
| 190232 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - XXXXXX Comments: Borrower has been XXX with Our XXX for 27 years and 7 months.<br>CFCFS1737: LTV below guideline requirements<br> - XXXXXX Comments: LTV is XXX; max allowed per guidelines is XXX.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXXXX Comments: 758 qualifying score. Min required per guidelines is 740.<br>CFCFS1739: Postive mortgage payment history<br> - XXXXXX Comments: Mortgage payment history is for XXX months when XXX months are required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXXXX Comments: Verified cash reserves XXX or 60.50 months PITIA, guidelines required 0 months PITIA.<br>CFCFS1744: DTI below guideline requirement<br> - XXXXXX Comments: DTI is 40.98%, max per guidelines is 50%. |
| 357764 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXXXXX Comments: XXX years and XXX months at current residence.<br>CFCFS2854: Significant time in profession<br> - XXXXXX Comments: 8 years and 8 months at current profession.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXXXX Comments: Min credit score required 730 File credit score 799 |
| 202445 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | Compliance | Documentation | Satisfied D A | CMPDOC806 | Notary Status is missing | No | Provide Notarized & Dated Notary page to mortgage. | 10.9.25-Client provided Mortgage with dated, Notarized page. | 10.9.25-Exception Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXXXXX Comments: The borrower has been XXX for 4 years 2 months.<br>CFCFS1744: DTI below guideline requirement<br> - XXXXXX Comments: The DTI is 22.16% and guidelines allow the DTI to be 50.49% |
| 697186 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1735: Co-Borrower has significant time at current job<br> - XXXXXX Comments: Co-Borrower has significant time at current job, 7 years 8 months. |
| 623018 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1735: Co-Borrower has significant time at current job<br> - XXXXXX Comments: Co-borrower has been XXX for 5 years.<br>CFCFS2860: Good credit history<br> - XXXXXX Comments: Borrower has Good credit history 0x30x257.<br>CFCFS1744: DTI below guideline requirement<br> - XXXXXX Comments: DTI is 42.36%, max per guidelines is 50%. |
| 549187 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | C | A D | C | A | Credit | Income/Employment | Satisfied D A | CRDINC2408 | Income verification does not meet guidelines | No | CPA letter in file did not state length of time borrower has been XXX. | 10/13/2025 lender response: Uploading business license showing date of formation XXX | 10/13/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXXXX Comments: Total assets verified XXX. None required.<br>CFCFS1734: Borrower has significant time at current job<br> - XXXXXX Comments: The borrower has been operating their business for 14 years.<br>CFCFS1739: Postive mortgage payment history<br> - XXXXXX Comments: Mortgage payment history reporting to credit is positive. |
| 118115 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | A | A C B | A | A | Credit | Assets | Waived C B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | LTV > XXX requires 12 months reserves of XXX. Actual reserves XXX or 1.86 months. Lender reserve exception approval required 3 months reserves. Condition not met. | 10/06/2025 lender response: Updated ULAW uploaded10/06/2025 XXXXXX response: Upon further review by XXXXXX Sr Underwriter, exception considered non-material; Final Grade B. Comp Factors for DTI, Time in Profession and Time at Current Residence.10/06/2025 client acknowledged exception | 10/06/2025 Final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXXXXX Comments: XXX Years and XXX months at current residence.<br>CFCFS2854: Significant time in profession<br> - XXXXXX Comments: 21 years and 3 months at current profession. |
| 149181 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXXXXX Comments: Credit Score 788 exceeds min of 700<br>CFCFS2860: Good credit history<br> - XXXXXX Comments: 0x30 over 24 months |
| 300429 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - XXXXXX Comments: Borrower has 9 years at current job.<br>CFCFS1744: DTI below guideline requirement<br> - XXXXXX Comments: DTI of 20.78% is below max guides of 50%.<br>CFCFS1737: LTV below guideline requirements<br> - XXXXXX Comments: LTV XXX is below max guides of XXX |
| 161174 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | Credit | Assets | Waived B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Verified reserves XXX is XXX short required reserves of XXX. Lender approval in file. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXXXXX Comments: Borrower credit score of 742 exceeds min score requirement of 700.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXXXXX Comments: Consumer credit show 0x30x82. |
| 892696 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXXXX Comments: Total assets verified XXX. CTC XXX leaves reserves of XXX or 62.72mos. Reserves required 12 mos.<br>CFCFS2854: Significant time in profession<br> - XXXXXX Comments: Borrower has been in the same profession for 14 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXXXX Comments: Credit Score of 744 is > the minimum credit score of 700. |
| 310322 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | Credit | Income/Employment | Waived B | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No | Missing the VVOE for B2 within 3 days of Note date XXX. WVOE in file dated XXX. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXXXXX Comments: Significant time at current residence, XXX years XXX months.<br>CFCFS1749: Additional documented income not used in qualifying<br> - XXXXXX Comments: Additional documented income not used in qualifying for borrower 1: o/t 32 month average XXX XXX+ $XXX= XXX=XXX<br>CFCFS1734: Borrower has significant time at current job<br> - XXXXXX Comments: Borrower has significant time at current job, 6 years 8 months. |
| 944238 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXXXXX Comments: The borrower occupied the departing residence for XXX years.<br>CFCFS1734: Borrower has significant time at current job<br> - XXXXXX Comments: The borrower has been with the employer for 3 years 4 months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXXXX Comments: Post-Closing Assets: XXX/XXX PITI = 5 months reserves. |
| 103191 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - XXXXXX Comments: DTI is 11.38%, max per guidelines is 50%.<br>CFCFS1737: LTV below guideline requirements<br> - XXXXXX Comments: LTV is XXX max allowed per guidelines is XXX<br>CFCFS2854: Significant time in profession<br> - XXXXXX Comments: Borrower has been in this line of work in the past: 12 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXXXX Comments: Borrower credit score of 644 exceeds min score requirement of 640. |
| 479325 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1739: Postive mortgage payment history<br> - XXXXXX Comments: Mortgage payment history reporting to credit is positive.<br>CFCFS1734: Borrower has significant time at current job<br> - XXXXXX Comments: The borrower has been operating their business for 5 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXXXX Comments: Total assets verified XXX. CTC XXX leaves reserves of XXX or 4.9 mos. No reserves required. |
| 248296 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - XXXXXX Comments: DTI of 27.63 is below max guides of 40%.<br>CFCFS2854: Significant time in profession<br> - XXXXXX Comments: Borrower has 15 years in current profession.<br>CFCFS2860: Good credit history<br> - XXXXXX Comments: Good credit no lates on credit report. |
| 223083 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | A | A D B | A | A | Credit | Income/Employment | Waived D B | CRDINC3204 | Income Documentation Missing | No | Provide CPA letter confirming 25% expense factor. | 10/07/2025 lender response: Uploading updated ULAW with acknowledgment, departure rents and 1003 using 50% of the income.10/07/2025 XXXXXX response: Upon further review by XXXXXX Sr Underwriter, exception considered non-material; Final Grade B. Comp Factors for Credit Score, LTV, Time at current residence and time in profession.10/08/2025 client acknowledged exception | 10/08/2025 Final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXXXXX Comments: XXX years and XXX months at current residence.<br>CFCFS2854: Significant time in profession<br> - XXXXXX Comments: 3 years and 4 months at current profession.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXXXX Comments: Min credit score required 721 File credit score 724.<br>CFCFS1737: LTV below guideline requirements<br> - XXXXXX Comments: LTV is XXX; max allowed per guidelines is XXX. |
| 777587 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXXXXX Comments: Borrower credit score of 715 exceeds min score requirement of 700.<br>CFCFS1736: Significant time at current residence<br> - XXXXXX Comments: Borrower has lived at current residence for the past: XXX years. |
| 665685 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | Credit | Credit/Mtg History | Waived B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Missing copy of canceled checks or bank statements for 24 months housing history. VOM provided is from a XXX and does not meet the No Score/No Depth requirement per GL." | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXXXXX Comments: LTV of XXX is below max of XXX<br>CFCFS1744: DTI below guideline requirement<br> - XXXXXX Comments: DTI of 31.09% is below max of 50%.<br>CFCFS1736: Significant time at current residence<br> - XXXXXX Comments: Borrower has XXX years at current primary. |
| 279657 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXXXXX Comments: Borrower credit score of 707 exceeds min score requirement of 700.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - XXXXXX Comments: Mortgage history reflects 0 x 30 for the past 63 months.<br>CFCFS1737: LTV below guideline requirements<br> - XXXXXX Comments: LTV is XXX; max allowed per guidelines is XXX |
| 963848 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2860: Good credit history<br> - XXXXXX Comments: Good credit history 0x30x149.<br>CFCFS1739: Postive mortgage payment history<br> - XXXXXX Comments: Positive mortgage payment history 0x30x24. |
| 334229 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXXXXX Comments: Borrower credit score of 715 exceeds min score requirement of 700.<br>CFCFS2854: Significant time in profession<br> - XXXXXX Comments: Borrower has been in this line of work in the past: 10 years. |
| 159079 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - XXXXXX Comments: LTV of XXX is < the maximum LTV of XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXXXX Comments: Credit score of 779 is > the minimum credit score of 600.<br>CFCFS1744: DTI below guideline requirement<br> - XXXXXX Comments: DTI of 42.82% is < the maximum DTI of 50%. |
| 421798 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | B | B A | B | B | Compliance | Federal Consumer Protection | Waived B | CMPFDCP4569 | NMLS License verification found Loan Originator Name does not match ID but can identify that the LO is the same | No | Borrower name as documented on final application is not documented the same as the NMLS registry and the used of the name as documented was not listed in other names. | 10.20.25-Client requested to change the Status from Open/Active to Waive/Closed. | 10.20.25-Final Grade B. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXXXXX Comments: Verified 679 FICO score. Minimum required 620. |
| 797817 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - XXXXXX Comments: Borrower has maintained stable and consistent employment in the Medical field for 40 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXXXX Comments: Verified 745 FICO score. Minimum required 620.<br>CFCFS1737: LTV below guideline requirements<br> - XXXXXX Comments: LTV of XXX is below max LTV of XXX<br>CFCFS1744: DTI below guideline requirement<br> - XXXXXX Comments: DTI is 37.14%, max per guidelines is 50%. |
| 844924 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXXXXX Comments: XXX Years and XXX months at current residence.<br>CFCFS1744: DTI below guideline requirement<br> - XXXXXX Comments: Max DTI 50.49% File 30.34%<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXXXX Comments: Min credit score required 640 File credit score 715. |
| 374555 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - XXXXXX Comments: Borrower has been in the same profession for 10 years.<br>CFCFS1737: LTV below guideline requirements<br> - XXXXXX Comments: LTV of XXX is < the maximum LTV of XXX.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXXXX Comments: Credit score of 765 is > the minimum credit score of 640.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXXXX Comments: Total assets verified XXX. CTC XXX leaves reserves of XXX or 9.60 mos. Reserves required 6 mos. |
| 300235 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXXXXX Comments: Min credit score required 700 File credit score 796.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXXXX Comments: Assets: Assets verified at XXX less cash from XXX equals XXX or 30.91 months PITIA. 6month reserves required. |
| 275024 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | C | A C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Provide proof Initial CD issued XXX was received at least 3 business days prior to Closing. | 10.16.25-Client provided Initial CD issued & e-signed XXX | 10.16.25-Exception Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXXXXX Comments: Borrower credit score of 787 exceeds min score requirement of 700.<br>CFCFS1734: Borrower has significant time at current job<br> - XXXXXX Comments: Borrower has been with employer in the past: 15 years.<br>CFCFS2854: Significant time in profession<br> - XXXXXX Comments: Borrower has been in this line of work in the past: 15 years. |
| 113544 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - XXXXXX Comments: 25 years and 0 months at current profession.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXXXX Comments: Min credit score required 700 File credit score 728.<br>CFCFS1744: DTI below guideline requirement<br> - XXXXXX Comments: Max DTI 50.49 % File 5.11% |
| 100040 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - XXXXXX Comments: Borrower has 40 years current profession.<br>CFCFS1736: Significant time at current residence<br> - XXXXXX Comments: Borrower has XXX years at current residence..<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - XXXXXX Comments: No lates on mortgage hsitory. |
| 501376 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - XXXXXX Comments: LTV is XXX; max allowed per guidelines is XXX.<br>CFCFS1736: Significant time at current residence<br> - XXXXXX Comments: Borrower has resided in current residence for XXX years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXXXX Comments: Verified cash reserves XXX exceed guidelines XXX<br>CFCFS1744: DTI below guideline requirement<br> - XXXXXX Comments: DTI 16.22% is below guideline requirement of 50%. |

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## Exhibit 99.2

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| | |
|:---|:---|
| **Client Project Name:** | **BRAVO 2026-NQM1** |
| **Start - End Dates:** | **6/15/2016 - 10/21/2025** |
| **Deal Loan Count:** | **176** |
| **Conditions Report 2.0** | **Conditions Report 2.0** |
| ***Loans in Report:*** | *176* |
| ***Loans with Conditions:*** | *63* |

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| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Seller Loan Number** | **TRID Indicator** | **Lender Application Date** | **Broker Application Date** | **Initial Securitization Compliance Loan Grade** | **Final Securitization Compliance Loan Grade** | **Initial S&P Compliance Loan Grade** | **Final S&P Compliance Loan Grade** |
| 859342 | XXXXXX | No | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A |
| 159756 | XXXXXX | No | XXXXXX | XXXXXX A | A | A | A | A |
| 594454 | XXXXXX | No | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A |
| 492134 | XXXXXX | No | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A |
| 901184 | XXXXXX | No | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A |
| 817528 | XXXXXX | No | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A |
| 165544 | XXXXXX | No | XXXXXX | XXXXXX C A | N/A | N/A C | N/A | N/A |
| 305390 | XXXXXX | Yes | XXXXXX | XXXXXX A | A | A | A | A |
| 650203 | XXXXXX | No | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A |
| 140893 | XXXXXX | No | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A |
| 958604 | XXXXXX | No | XXXXXX | XXXXXX A | A | A | A | A |
| 413704 | XXXXXX | No | XXXXXX | XXXXXX A | A | A | A | A |
| 182678 | XXXXXX | No | XXXXXX | XXXXXX A | A | A | A | A |
| 985111 | XXXXXX | No | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A |
| 144813 | XXXXXX | No | XXXXXX | XXXXXX D A | A | A D | A | A |
| 936237 | XXXXXX | No | XXXXXX | XXXXXX A | A | A | A | A |
| 700625 | XXXXXX | No | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A |
| 243661 | XXXXXX | No | XXXXXX | XXXXXX A | A | A | A | A |
| 245027 | XXXXXX | No | XXXXXX | XXXXXX A | A | A | A | A |
| 748452 | XXXXXX | No | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A |
| 284061 | XXXXXX | No | XXXXXX | XXXXXX A | A | A | A | A |
| 916019 | XXXXXX | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A |
| 895392 | XXXXXX | No | XXXXXX | XXXXXX A | A | A | A | A |
| 715222 | XXXXXX | No | XXXXXX | XXXXXX A | A | A | A | A |
| 570967 | XXXXXX | No | XXXXXX | XXXXXX A | A | A | A | A |
| 152701 | XXXXXX | No | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A |
| 654368 | XXXXXX | No | XXXXXX | XXXXXX A | A | A | A | A |
| 624354 | XXXXXX | No | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A |
| 646232 | XXXXXX | No | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A |
| 228556 | XXXXXX | No | XXXXXX | XXXXXX D A | N/A | N/A D | N/A | N/A |
| 413405 | XXXXXX | No | XXXXXX | XXXXXX A | A | A | A | A |
| 979638 | XXXXXX | No | XXXXXX | XXXXXX A | A | A | A | A |
| 899695 | XXXXXX | No | XXXXXX | XXXXXX A | A | A | A | A |
| 986957 | XXXXXX | No | XXXXXX | XXXXXX A | A | A | A | A |
| 155644 | XXXXXX | No | XXXXXX | XXXXXX A | A | A | A | A |
| 318685 | XXXXXX | No | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A |
| 638959 | XXXXXX | No | XXXXXX | XXXXXX A | A | A | A | A |
| 486732 | XXXXXX | Yes | XXXXXX | XXXXXX D A | A | A D | A | A |
| 576345 | XXXXXX | No | XXXXXX | XXXXXX C A | A | A C | A | A |
| 332446 | XXXXXX | No | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A |
| 379406 | XXXXXX | No | XXXXXX | XXXXXX D A | N/A | N/A D | N/A | N/A |
| 105661 | XXXXXX | No | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A |
| 656334 | XXXXXX | No | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A |
| 105068 | XXXXXX | No | XXXXXX | XXXXXX A | A | A | A | A |
| 741830 | XXXXXX | (No Data) | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A |
| 775169 | XXXXXX | No | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A |
| 389996 | XXXXXX | No | XXXXXX | XXXXXX D A | N/A | N/A D | N/A | N/A |
| 205610 | XXXXXX | No | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A |
| 377340 | XXXXXX | No | XXXXXX | XXXXXX A | A | A | A | A |
| 246848 | XXXXXX | Yes | XXXXXX | XXXXXX A | A | A | A | A |
| 137416 | XXXXXX | No | XXXXXX | XXXXXX A | A | A | A | A |
| 367885 | XXXXXX | No | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A |
| 677560 | XXXXXX | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A |
| 820262 | XXXXXX | No | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A |
| 997760 | XXXXXX | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A |
| 486139 | XXXXXX | Yes | XXXXXX | XXXXXX A | A | A | A | A |
| 159536 | XXXXXX | No | XXXXXX | XXXXXX A | A | A | A | A |
| 991679 | XXXXXX | No | XXXXXX | XXXXXX A | A | A | A | A |
| 303575 | XXXXXX | No | XXXXXX | XXXXXX A | A | A | A | A |
| 580300 | XXXXXX | No | XXXXXX | XXXXXX A | A | A | A | A |
| 152123 | XXXXXX | No | XXXXXX | XXXXXX A | A | A | A | A |
| 761623 | XXXXXX | No | XXXXXX | XXXXXX A | A | A | A | A |
| 874333 | XXXXXX | No | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A |
| 305956 | XXXXXX | No | XXXXXX | XXXXXX A | A | A | A | A |
| 366419 | XXXXXX | No | XXXXXX | XXXXXX A | A | A | A | A |
| 888919 | XXXXXX | No | XXXXXX | XXXXXX D A | N/A | N/A D | N/A | N/A |
| 920463 | XXXXXX | No | XXXXXX | XXXXXX A | A | A | A | A |
| 965463 | XXXXXX | No | XXXXXX | XXXXXX A | A | A | A | A |
| 448630 | XXXXXX | Yes | XXXXXX | XXXXXX A | A | A | A | A |
| 846795 | XXXXXX | Yes | XXXXXX | XXXXXX A | A | A | A | A |
| 399010 | XXXXXX | No | XXXXXX | XXXXXX A | A | A | A | A |
| 153611 | XXXXXX | Yes | XXXXXX | XXXXXX A | A | A | A | A |
| 755360 | XXXXXX | No | XXXXXX | XXXXXX A | A | A | A | A |
| 888049 | XXXXXX | No | XXXXXX | XXXXXX D A | A | A D | A | A |
| 424587 | XXXXXX | No | XXXXXX | XXXXXX A | A | A | A | A |
| 283237 | XXXXXX | No | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A |
| 526601 | XXXXXX | No | XXXXXX | XXXXXX D A | N/A | N/A D | N/A | N/A |
| 678852 | XXXXXX | No | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A |
| 612085 | XXXXXX | No | XXXXXX | XXXXXX A | A | A | A | A |
| 927615 | XXXXXX | No | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A |
| 341573 | XXXXXX | No | XXXXXX | XXXXXX A | A | A | A | A |
| 269499 | XXXXXX | No | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A |
| 682455 | XXXXXX | Yes | XXXXXX | XXXXXX A | A | A | A | A |
| 713712 | XXXXXX | No | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A |
| 405728 | XXXXXX | No | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A |
| 781722 | XXXXXX | No | XXXXXX | XXXXXX A | A | A | A | A |
| 841822 | XXXXXX | No | XXXXXX | XXXXXX D A | A | A D | A | A |
| 161399 | XXXXXX | No | XXXXXX | XXXXXX A | A | A | A | A |
| 960817 | XXXXXX | No | XXXXXX | XXXXXX A | A | A | A | A |
| 223250 | XXXXXX | No | XXXXXX | XXXXXX A | A | A | A | A |
| 656209 | XXXXXX | No | XXXXXX | XXXXXX A | A | A | A | A |
| 703746 | XXXXXX | No | XXXXXX | XXXXXX A | A | A | A | A |
| 173663 | XXXXXX | No | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A |
| 792899 | XXXXXX | No | XXXXXX | XXXXXX A | A | A | A | A |
| 390920 | XXXXXX | No | XXXXXX | XXXXXX A | A | A | A | A |
| 143192 | XXXXXX | Yes | XXXXXX | XXXXXX A | A | A | A | A |
| 143174 | XXXXXX | Yes | XXXXXX | XXXXXX C A | C | A C | C | A |
| 360542 | XXXXXX | Yes | XXXXXX | XXXXXX D A | A | A D | A | A |
| 720717 | XXXXXX | Yes | XXXXXX | XXXXXX A | A | A | A | A |
| 950678 | XXXXXX | Yes | XXXXXX | XXXXXX D A | A | A D | A | A |
| 593663 | XXXXXX | Yes | XXXXXX | XXXXXX A | A | A | A | A |
| 300038 | XXXXXX | Yes | XXXXXX | XXXXXX A | A | A | A | A |
| 684613 | XXXXXX | Yes | XXXXXX | XXXXXX A | A | A | A | A |
| 541105 | XXXXXX | Yes | XXXXXX | XXXXXX D A | A | A D | A | A |
| 948940 | XXXXXX | Yes | XXXXXX | XXXXXX A | A | A | A | A |
| 216227 | XXXXXX | Yes | XXXXXX | XXXXXX C A | A | A C | A | A |
| 190232 | XXXXXX | Yes | XXXXXX | XXXXXX A | A | A | A | A |
| 357764 | XXXXXX | Yes | XXXXXX | XXXXXX A | A | A | A | A |
| 202445 | XXXXXX | Yes | XXXXXX | XXXXXX D A | D | A D | D | A |
| 697186 | XXXXXX | Yes | XXXXXX | XXXXXX A | A | A | A | A |
| 623018 | XXXXXX | Yes | XXXXXX | XXXXXX A | A | A | A | A |
| 549187 | XXXXXX | Yes | XXXXXX | XXXXXX D A | C | A D | C | A |
| 149181 | XXXXXX | Yes | XXXXXX | XXXXXX A | A | A | A | A |
| 300429 | XXXXXX | Yes | XXXXXX | XXXXXX A | A | A | A | A |
| 892696 | XXXXXX | Yes | XXXXXX | XXXXXX A | A | A | A | A |
| 944238 | XXXXXX | Yes | XXXXXX | XXXXXX A | A | A | A | A |
| 103191 | XXXXXX | Yes | XXXXXX | XXXXXX A | A | A | A | A |
| 479325 | XXXXXX | Yes | XXXXXX | XXXXXX A | A | A | A | A |
| 248296 | XXXXXX | Yes | XXXXXX | XXXXXX A | A | A | A | A |
| 777587 | XXXXXX | Yes | XXXXXX | XXXXXX A | A | A | A | A |
| 279657 | XXXXXX | Yes | XXXXXX | XXXXXX A | A | A | A | A |
| 963848 | XXXXXX | Yes | XXXXXX | XXXXXX A | A | A | A | A |
| 334229 | XXXXXX | Yes | XXXXXX | XXXXXX A | A | A | A | A |
| 159079 | XXXXXX | Yes | XXXXXX | XXXXXX A | A | A | A | A |
| 797817 | XXXXXX | Yes | XXXXXX | XXXXXX A | A | A | A | A |
| 844924 | XXXXXX | Yes | XXXXXX | XXXXXX A | A | A | A | A |
| 374555 | XXXXXX | Yes | XXXXXX | XXXXXX A | A | A | A | A |
| 300235 | XXXXXX | Yes | XXXXXX | XXXXXX A | A | A | A | A |
| 275024 | XXXXXX | Yes | XXXXXX | XXXXXX C A | C | A C | C | A |
| 113544 | XXXXXX | Yes | XXXXXX | XXXXXX A | A | A | A | A |
| 100040 | XXXXXX | Yes | XXXXXX | XXXXXX A | A | A | A | A |
| 501376 | XXXXXX | Yes | XXXXXX | XXXXXX A | A | A | A | A |

---

©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited.

## Exhibit 99.2

---

| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | **BRAVO 2026-NQM1** |
| **Start - End Dates:** | **6/15/2016** |
| **Deal Loan Count:** | **1** |
| **Conditions Report 2.0** | **Conditions Report 2.0** |
| ***Loans in Report:*** | *1* |
| ***Loans with Conditions:*** | *1* |

---

---

| |
|:---|
| **2 - Total Active Conditions** |
| **2 - Non-Material Conditions** |
| 2 - Compliance Review Scope |
| 1 - Category: State Rate Spread |
| 1 - Category: TILA/RESPA Integrated Disclosure |
| **3 - Total Satisfied Conditions** |
| 3 - Compliance Review Scope |
| 3 - Category: TILA/RESPA Integrated Disclosure |
| **0 - Total Waived Conditions** |

---

©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited.

## Exhibit 99.2

---

| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | **BRAVO 2026-NQM1** |
| **Start - End Dates:** | **6/15/2016** |
| **Deal Loan Count:** | **1** |
| **Conditions Report 2.0** | **Conditions Report 2.0** |
| ***Loans in Report:*** | *1* |
| ***Loans with Conditions:*** | *1* |

---

---

| | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Original Principal Balance** | **State** | **Initial Lender ATR/QM Status** | **Loan Level ATR/QM Status** | **Condition Category** | **Condition Sub Category** | **Condition Status** | **Condition Code** | **Condition Description** | **Condition Material Indicator** | **Initial Comments** | **Client/Seller Response Comments** | **Conclusion Comments** | **TRID Error Type** | **Cure Method** |
| 316351 | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | Compliance | State Rate Spread | Active B | CMPSRS2051 | CA Higher-Priced Loan | No | Test APR is 7.203%, Benchmark rate of 3.710% for a variance of 3.493% exceeding the Rate Spread Trigger of 1.50%. | (No Data) | (No Data) | (No Data) | (No Data) |
| 316351 | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | Compliance | TILA/RESPA Integrated Disclosure | Active B | CMPTRID3632 | TRID - Inconsistency between Final CD and Loan Documents | No | CD's dated XXXXXX, XXXXXX, XXXXXX, and XXXXXX: Assumption Clause does not match the Note/ARM Rider. | (No Data) | Exception changed to Non-Material (L2) per Clayton Compliance Review. | (No Data) | (No Data) |
| 316351 | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied B A | CMPTRID3530 | TRID - Loan Estimate: At least one section contains formatting that does not comply with the Regulation | No | LE's dated XXXXXX, XXXXXX, XXXXXX, and XXXXXX contain formatting that does not comply with TRID regulation: Section: other considerations section - Assumption clause does not match Note/Rider. | (No Data) | Exception changed to Non-Material (L2) per Clayton Compliance Review. | Non-Numeric | (No Data) |
| 316351 | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied B A | CMPTRID3572 | TRID - Closing Disclosure: At least one section contains a disclosure that is not in accordance with the Regulation | No | CD's dated XXXXXX, XXXXXX, and XXXXXX : Closing Information valuation section states Estimated Property Value and should reflect Appraised Value. Appraisal in file dated XXXXXX | (No Data) | Exception changed to Non-Material (L2) per XXXXXX Compliance Review. | Non-Numeric | (No Data) |
| 316351 | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3478 | TRID - Written List of Providers not compliant | No | Settlement Services Provider List is missing the contact information for the Provider (Address & Telephone Number). | (No Data) | (No Data) | (No Data) | (No Data) |

---

## Exhibit 99.2

---

| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | **BRAVO 2026-NQM1** |
| **Start - End Dates:** | **6/15/2016** |
| **Deal Loan Count:** | **1** |
| **Conditions Report 2.0** | **Conditions Report 2.0** |
| ***Loans in Report:*** | *1* |
| ***Loans with Conditions:*** | *1* |

---

---

| | | | |
|:---|:---|:---|:---|
| **Loan Number** | **Lender Application Date** | **Broker Application Date** | **Did Lender Acknowledge Exception at Origination** |
| 316351 | XXXXXX | XXXXXX C B | (No Data) |

---

## Exhibit 99.2

---

| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | **Bravo 2026-NQM1** |
| **Start - End Dates:** | **6/15/2016 - 10/21/2025** |
| **Deal Loan Count:** | **177** |
| **ATR QM Upload** | **ATR QM Upload** |
| *Loans in Report:* | *177* |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| 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 |
| **Loan Number** | **Deal** | **Seller Loan Number** | **Original Principal Balance** | **State** | **Loan Level ATR/QM Status** | **Verification Safe Harbor (VSH)?** | **Lender Provided ATR/QM Worksheet** | **Initial Lender ATR/QM Status** | **Application Date** | **Borrower 1 Citizenship** | **Borrower 2 Citizenship** | **Borrowers Qualified Through a Non-Resident Alien Program** | **Occupancy** | **Property Type** | **Number of Units** | **Loan Type** | **Exempt Loan Product Type** | **Exempt Loan Housing Agency** | **Community Housing Development** | **Credit Under Economic Stabilization Act Of 2008** | **Refinance Of Non-Standard Mortgage** | **Higher Priced Covered Transaction** | **State Prepay Exceptions** | **Loan Purpose** | **Loan Term Exceeds 30 Years** | **Interest Only Feature** | **Negative Amortization** | **Balloon Payment** | **Prepay Penalty Flag** | **Prepayment Penalty Type** | **Prohibited Prepayment Penalty** | **Exceeds Points And Fees** | **Exceeds DTI Limit** | **Lien Position** | **APR** | **QM Calculated DTI Adherence** | **QM Lenders DTI Adherence** | **QM Fee Adherence - Total Charges %** | **QM Fee Adherence - Lenders Fee %** | **Fannie Mae Eligible** | **Freddie Mac Eligible** | **VA Guaranty Eligible** | **FHA Insured Eligible** | **USDA Guarantee Eligible** | **Rural Housing Service Insured Eligible** | **QM - Expected Income Or Assets For DTI** | **QM - Current Employment Status For DTI** | **QM - Monthly Payment On Subject Loan For DTI** | **QM - Monthly Payment On Additional Loan For DTI** | **QM - Monthly Payment Mortgage Related Obligations** | **QM - Current Debt Obligations Alimony and Child Support for DTI** | **QM - Monthly DTI Ratio Or Residual Income** | **One or more Verification Safe Harbor Guidelines used?** | **Current/Reasonably Expected Income or Assets per Guideline used?** | **Current Debt Obligations, Alimony & Child Support per Guideline used?** | **Monthly DTI (includes monthly payment on subject loan and simultaneous loans)** | **Monthly Residual Income per guideline used?** | **Compensating Factors used for QM determination documented before closing?** | **ATR - Guidelines Provided to Document Approach** | **ATR - Current And Expected Income And Assets** | **ATR - Current Employment Status** | **ATR - Mortgage Payment Obligation** | **ATR - Mortgage Payment on Simultaneous Transaction** | **ATR - Payment For Mortgage Related Obligations** | **ATR - Debt Obligations Including Alimony and Child Support** | **ATR - Monthly DTI Ratio or Residual Income** | **ATR - Consumer Credit History** | **ATR Lenders - DTI (Back)** | **ATR Calculated DTI (Back)** | **QM Lender Value DTI (Back)** | **QM Calculated DTI (Back)** | **Initial DTI (Back)** | **DTI Qualifying (Back)** | **Residual Income Analysis in File** | **Residual Income Guidelines** | **Did Loan Meet Guidelines** | **Residual Income Amount** | **Asset Depletion** | **Asset Depletion Months Amortized** | **Asset Utilization** | **Partial Asset Depletion** | **Short Sale** | **Short Sale Date** | **Deed In Lieu** | **Deed In Lieu Date** | **QRM Flag** | **Borrower 2 Guarantor Flag** | **Borrower 2 Personal Guaranty Recourse to Borrower** | **Borrower 3 Guarantor Flag** | **Borrower 3 Personal Guaranty Recourse to Borrower** | **Borrower 4 Guarantor Flag** | **Borrower 4 Personal Guaranty Recourse to Borrower** | **Borrower 1 Paystub Flag** | **Borrower 1 Paystub Number of Months** | **Borrower 2 Paystub Flag** | **Borrower 2 Paystub Number of Months** | **Borrower 3 Paystub Flag** | **Borrower 3 Paystub Number of Months** | **Borrower 4 Paystub Flag** | **Borrower 4 Paystub Number of Months** | **Borrower 1 W2 Flag** | **Borrower 1 W2 Number of Months** | **Borrower 2 W2 Flag** | **Borrower 2 W2 Number of Months** | **Borrower 3 W2 Flag** | **Borrower 3 W2 Number of Months** | **Borrower 4 W2 Flag** | **Borrower 4 W2 Number of Months** | **Borrower 1 Personal Tax Return Flag** | **Borrower 1 Personal Tax Return Number of Months** | **Borrower 2 Personal Tax Return Flag** | **Borrower 2 Personal Tax Return Number of Months** | **Borrower 3 Personal Tax Return Flag** | **Borrower 3 Personal Tax Return Number of Months** | **Borrower 4 Personal Tax Return Flag** | **Borrower 4 Personal Tax Return Number of Months** | **Borrower 1 Business Tax Return Flag** | **Borrower 1 Business Tax Return Number of Months** | **Borrower 2 Business Tax Return Flag** | **Borrower 2 Business Tax Return Number of Months** | **Borrower 3 Business Tax Return Flag** | **Borrower 3 Business Tax Return Number of Months** | **Borrower 4 Business Tax Return Flag** | **Borrower 4 Business Tax Return Number of Months** | **Borrower 1 Verbal VOE Flag** | **Borrower 1 Verbal VOE Number of Months** | **Borrower 2 Verbal VOE Flag** | **Borrower 2 Verbal VOE Number of Months** | **Borrower 3 Verbal VOE Flag** | **Borrower 3 Verbal VOE Number of Months** | **Borrower 4 Verbal VOE Flag** | **Borrower 4 Verbal VOE Number of Months** | **Borrower 1 Written VOE Flag** | **Borrower 1 Written VOE Form** | **Borrower 1 Written VOE Number of Months** | **Borrower 2 Written VOE Flag** | **Borrower 2 Written VOE Form** | **Borrower 2 Written VOE Number of Months** | **Borrower 3 Written VOE Flag** | **Borrower 3 Written VOE Form** | **Borrower 3 Written VOE Number of Months** | **Borrower 4 Written VOE Flag** | **Borrower 4 Written VOE Form** | **Borrower 4 Written VOE Number of Months** | **Borrower 1 P&L Flag** | **Borrower 1 P&L Prepared By** | **Borrower 1 P&L Number of Months** | **Borrower 2 P&L Flag** | **Borrower 2 P&L Prepared By** | **Borrower 2 P&L Number of Months** | **Borrower 3 P&L Flag** | **Borrower 3 P&L Prepared By** | **Borrower 3 P&L Number of Months** | **Borrower 4 P&L Flag** | **Borrower 4 P&L Prepared By** | **Borrower 4 P&L Number of Months** | **Borrower 1 Lease Agreement Flag** | **Borrower 1 Lease Agreement Number of Months** | **Borrower 2 Lease Agreement Flag** | **Borrower 2 Lease Agreement Number of Months** | **Borrower 3 Lease Agreement Flag** | **Borrower 3 Lease Agreement Number of Months** | **Borrower 4 Lease Agreement Flag** | **Borrower 4 Lease Agreement Number of Months** | **Equity Income Flag** | **Equity Income Amount** | **Equity Income Number of Months** | **Cross Collateralized Loan?** | **Is the Loan a Short-Term Rental?** | **DSCR with Rent Schedule Flag** | **DSCR with Rent Schedule Income Amount** | **DSCR with Lease Agreement Flag** | **DSCR with Lease Agreement Income Amount** | **DSCR %** | **DSCR Method Used** | **Borrower 1 CPA Letter with Income Flag** | **Borrower 1 CPA Letter with Income Number of Months** | **Borrower 1 CPA Letter without Income Flag** | **Borrower 1 CPA Letter without Income Number of Months** | **Borrower 2 CPA Letter with Income Flag** | **Borrower 2 CPA Letter with Income Number of Months** | **Borrower 2 CPA Letter without Income Flag** | **Borrower 2 CPA Letter without Income Number of Months** | **Borrower 3 CPA Letter with Income Flag** | **Borrower 3 CPA Letter with Income Number of Months** | **Borrower 3 CPA Letter without Income Flag** | **Borrower 3 CPA Letter without Income Number of Months** | **Borrower 4 CPA Letter with Income Flag** | **Borrower 4 CPA Letter with Income Number of Months** | **Borrower 4 CPA Letter without Income Flag** | **Borrower 4 CPA Letter without Income Number of Months** | **Borrower 1 Personal Bank Statements Flag** | **Borrower 1 Personal Bank Statements Number of Months** | **Borrower 2 Personal Bank Statements Flag** | **Borrower 2 Personal Bank Statements Number of Months** | **Borrower 3 Personal Bank Statements Flag** | **Borrower 3 Personal Bank Statements Number of Months** | **Borrower 4 Personal Bank Statements Flag** | **Borrower 4 Personal Bank Statements Number of Months** | **Borrower 1 Business Bank Statements Flag** | **Borrower 1 Business Bank Statements Number of Months** | **Borrower 2 Business Bank Statements Flag** | **Borrower 2 Business Bank Statements Number of Months** | **Borrower 3 Business Bank Statements Flag** | **Borrower 3 Business Bank Statements Number of Months** | **Borrower 4 Business Bank Statements Flag** | **Borrower 4 Business Bank Statements Number of Months** | **Borrower 1 Award Letter Flag** | **Borrower 1 Award Letter Number of Months** | **Borrower 2 Award Letter Flag** | **Borrower 2 Award Letter Number of Months** | **Borrower 3 Award Letter Flag** | **Borrower 3 Award Letter Number of Months** | **Borrower 4 Award Letter Flag** | **Borrower 4 Award Letter Number of Months** | **Borrower 1 Offer Letter Flag** | **Borrower 1 Offer Letter Number of Months** | **Borrower 2 Offer Letter Flag** | **Borrower 2 Offer Letter Number of Months** | **Borrower 3 Offer Letter Flag** | **Borrower 3 Offer Letter Number of Months** | **Borrower 4 Offer Letter Flag** | **Borrower 4 Offer Letter Number of Months** | **Borrower 1 IRS Transcripts - Tax Returns Flag** | **Borrower 1 IRS Transcripts - Tax Returns Number of Months** | **Borrower 1 IRS Transcripts - W2s Flag** | **Borrower 1 IRS Transcripts - W2s Number of Months** | **Borrower 2 IRS Transcripts - Tax Returns Flag** | **Borrower 2 IRS Transcripts - Tax Returns Number of Months** | **Borrower 2 IRS Transcripts - W2s Flag** | **Borrower 2 IRS Transcripts - W2s Number of Months** | **Borrower 3 IRS Transcripts - Tax Returns Flag** | **Borrower 3 IRS Transcripts - Tax Returns Number of Months** | **Borrower 3 IRS Transcripts - W2s Flag** | **Borrower 3 IRS Transcripts - W2s Number of Months** | **Borrower 4 IRS Transcripts - Tax Returns Flag** | **Borrower 4 IRS Transcripts - Tax Returns Number of Months** | **Borrower 4 IRS Transcripts - W2s Flag** | **Borrower 4 IRS Transcripts - W2s Number of Months** | **Borrower 1 Income Doc Type Summary** | **Borrower 2 Income Doc Type Summary** | **Borrower 3 Income Doc Type Summary** | **Borrower 4 Income Doc Type Summary** | **Borrower 1 Documentation Used to Determine Legal Residency** | **Borrower 2 Documentation Used to Determine Legal Residency** | **Borrower 3 Documentation Used to Determine Legal Residency** | **Borrower 4 Documentation Used to Determine Legal Residency** |
| 859342 | 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) | Yes | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.9990 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1936.36 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2500.00 | No | (No Data) | 1.2910 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 151730 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | 4 Family | 4 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | No | Yes | 1 | 7.3750 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -7436.19 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 7471.00 | No | (No Data) | 1.0046 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 275940 | 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 in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 6.7500 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1440.02 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 1800.00 | 1.2499 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 326352 | 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 in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 6.7500 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1493.88 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1800.00 | No | (No Data) | 1.2049 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 775559 | 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 in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 6.7500 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1401.45 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 1700.00 | 1.2130 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 159756 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Non-Permanent Resident Alien | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | Yes | Yes | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 7.8750 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2718.18 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2750.00 | No | (No Data) | 1.0117 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | Entry stamp | (No Data) | (No Data) | (No Data) |
| 594454 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Non-Resident Alien | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | Yes | Yes | 1 | 7.7501 | 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) | -3122.39 | 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 | 3800.00 | No | (No Data) | 1.2170 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 404836 | 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) | Yes | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 10.6250 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2229.38 | 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 | 1900.00 | No | (No Data) | 0.8522 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 492134 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | 3 Family | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | Yes | Yes | No | No | Yes | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | No | Yes | 1 | 10.2500 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -6616.53 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 7300.00 | No | (No Data) | 1.1032 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 901184 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 3%, 2% of amt prepd in year 1,2 | (No Data) | No | Yes | 1 | 7.1251 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2298.14 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2300.00 | No | (No Data) | 1.0008 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 817528 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | Attached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 7.3232 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -6682.32 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | No | (No Data) | Yes | 9351.16 | 1.0642 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 165544 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | Attached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 7.3103 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -6707.32 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | No | (No Data) | Yes | 8157.58 | 0.9256 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 279719 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 9.9990 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4772.22 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 6000.00 | No | (No Data) | 1.2572 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 356396 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 6.7500 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4039.15 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 4125.00 | No | (No Data) | 1.0212 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 894768 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 48.15 | 0 | 48.15 | 48.15 | 48.15 | (No Data) | (No Data) | (No Data) | 18721.02 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Offer Letter - 1 months;<br> Paystub - 1 months;<br> W2 - 12 months | Award Letter - 1 months;<br> Business Bank Statements - 12 months;<br> CPA Letter without Income - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 301771 | 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) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 7.8751 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -935.17 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 1050.00 | 1.1227 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 305390 | 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) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of UPB if amt prepd >20% of OPB | (No Data) | No | Yes | 1 | 7.8751 | No | No | 2.4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1011.29 | 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 | 1150.00 | No | (No Data) | 1.1371 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 650203 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Non-Resident Alien | U.S. Citizen | (No Data) | Investor | 4 Family | 4 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | Yes | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.7501 | Yes | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 26.24 | 0 | 26.24 | 26.24 | 26.97 | (No Data) | (No Data) | (No Data) | 81906.04 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 140893 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | 4 Family | 4 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | Yes | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.7501 | Yes | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 26.4 | 0 | 26.4 | 26.4 | 27.16 | (No Data) | (No Data) | (No Data) | 81679.87 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 132 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 958604 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Permanent Resident Alien | (No Data) | (No Data) | Investor | Condotel | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 7.2500 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4499.47 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 7240.00 | No | (No Data) | 1.6090 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | Green Card | (No Data) | (No Data) | (No Data) |
| 413704 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Non-Permanent Resident Alien | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 7.6250 | Yes | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 6.4 | 0 | 6.4 | 6.4 | 6.4 | (No Data) | (No Data) | (No Data) | 48217.13 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 48 months | (No Data) | (No Data) | (No Data) | Other | (No Data) | (No Data) | (No Data) |
| 182678 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 9.3750 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5166.42 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 8500.00 | No | (No Data) | 1.6452 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 985111 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Non-Resident Alien | Non-Resident Alien | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | No | Yes | 1 | 9.7500 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1959.33 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2100.00 | No | (No Data) | 1.0717 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 144813 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Non-Resident Alien | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | Yes | Yes | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.6061 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3079.6 | No | 0 | (No Data) | No | Not Applicable | (No Data) | Not Applicable | (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 | 3385.00 | No | (No Data) | 1.0991 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 936237 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Non-Resident Alien | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 6.7500 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2212.23 | No | 0 | (No Data) | No | Not Applicable | (No Data) | Not Applicable | (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 | 2250.00 | No | (No Data) | 1.0170 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 900547 | 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) | No | (No Data) | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.9990 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -6000.27 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 5850.00 | No | (No Data) | 0.9749 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 700625 | 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) | Yes | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 10.4468 | Yes | No | 3.734 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 42.3 | 0 | 42.3 | 42.3 | 42.3 | (No Data) | (No Data) | (No Data) | 7748.45 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 243661 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Non-Resident Alien | Non-Resident Alien | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 7.6250 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2498.88 | No | 0 | (No Data) | No | Not Applicable | (No Data) | Not Applicable | (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 | 2550.00 | No | (No Data) | 1.0204 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 245027 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 6.8750 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1641.63 | 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 | 2350.00 | No | (No Data) | 1.4315 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 748452 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | Yes | Yes | 1 | 6.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -6810.68 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 10200.00 | No | (No Data) | 1.4976 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 284061 | 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) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 8.3750 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1518.64 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 1600.00 | 1.0535 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 916019 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | Manufactured (Dbl) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd in 12 mos if amt prepd is >20% of UPB | (No Data) | Yes | Yes | 1 | 8.6250 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1228.16 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1700.00 | No | (No Data) | 1.3841 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 895392 | 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) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 9.9990 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3443.72 | 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 | 3800.00 | No | (No Data) | 1.1034 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 715222 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Permanent Resident Alien | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 7.8751 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1080.7 | 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 | 1450.00 | No | (No Data) | 1.3417 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | Green Card | (No Data) | (No Data) | (No Data) |
| 570967 | 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) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 11.9990 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1347.36 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1650.00 | No | (No Data) | 1.2246 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 152701 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Non-Resident Alien | (No Data) | Investor | High Rise Condo (9+) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | No | Yes | 1 | 6.7500 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3022.29 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3200.00 | No | (No Data) | 1.0587 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 560426 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | 3 Family | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 12.1250 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 49.73 | 0 | 49.73 | 49.73 | 49.73 | (No Data) | (No Data) | (No Data) | 6763.63 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 16 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> Verbal VOE with Income - 16 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 654368 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Non-Permanent Resident Alien | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4134.87 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 4500.00 | No | (No Data) | 1.0883 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | Other | (No Data) | (No Data) | (No Data) |
| 624354 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Permanent Resident Alien | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | Yes | Yes | 1 | 6.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2817.39 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3600.00 | No | (No Data) | 1.2777 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | Green Card | (No Data) | (No Data) |
| 646232 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | No | Yes | 1 | 6.8750 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1303.55 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 1745.00 | 1.3386 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 228556 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Non-Resident Alien | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3% of amt prepd | (No Data) | No | Yes | 1 | 6.8750 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4373.85 | No | 0 | (No Data) | No | Not Applicable | (No Data) | Not Applicable | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 8000.00 | No | (No Data) | 1.8290 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 413405 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Non-Resident Alien | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 6.8750 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2365.4 | No | 0 | (No Data) | No | Not Applicable | (No Data) | Not Applicable | (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 | 2500.00 | No | (No Data) | 1.0569 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 979638 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Non-Resident Alien | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 6.7500 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3420.63 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2800.00 | No | (No Data) | 0.8185 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 899695 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 3% of UPB if amt prepd >20% of OPB | (No Data) | No | Yes | 1 | 6.9990 | No | No | 2.4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5586.31 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No 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 | 8357.39 | No | (No Data) | 1.4960 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 986957 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | Manufactured (Dbl) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 7.2500 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 46.3 | 0 | 46.3 | 46.3 | 46.3 | (No Data) | (No Data) | (No Data) | 5637.11 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 12 months | Paystub - 1 months;<br> W2 - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 155644 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.7500 | Yes | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 28.77 | 0 | 28.77 | 28.77 | 28.77 | (No Data) | (No Data) | (No Data) | 65249.9 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 240 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | CPA Letter without Income - 240 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 318685 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | No | Yes | 1 | 8.2500 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1457.95 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1775.00 | No | (No Data) | 1.2174 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 638959 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | High Rise Condo (9+) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | Yes | Yes | 1 | 6.7331 | Yes | No | 5.6 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 33.02 | 0 | 33.02 | 33.02 | 33.02 | (No Data) | (No Data) | (No Data) | 21601.14 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 12 | Yes | Independent Third Party (The Work Number, Equifax etc) | 12 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 12 months;<br> Written VOE - 12 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 482730 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Non-Permanent Resident Alien | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 7.5000 | Yes | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 42.77 | 0 | 42.77 | 42.77 | 42.77 | (No Data) | (No Data) | (No Data) | 13974.84 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 120 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 120 months | (No Data) | (No Data) | (No Data) | Entry stamp | (No Data) | (No Data) | (No Data) |
| 681352 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Permanent Resident Alien | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% UPB if amt ppd in 12 mos > 20% OPB | (No Data) | Yes | Yes | 1 | 7.1251 | Yes | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 41.57 | 0 | 41.57 | 41.57 | 41.57 | (No Data) | (No Data) | (No Data) | 10651.3 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | Tax Preparer | 19 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 36 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 0 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 36 months;<br> P & L - 19 months;<br> Personal Bank Statements - 0 months | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | Other | (No Data) | (No Data) | (No Data) |
| 486732 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Attached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | Yes | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.8750 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2160.57 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2200.00 | No | (No Data) | 1.0182 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 576345 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3% of UPB if amt prepd >20% of OPB | (No Data) | No | Yes | 1 | 6.8750 | Yes | No | 2.4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 23.68 | 0 | 23.68 | 23.68 | 23.68 | (No Data) | (No Data) | (No Data) | 14079.39 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 332446 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 3% of amt prepd | (No Data) | No | Yes | 1 | 8.1250 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2065.73 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2400.00 | No | (No Data) | 1.1618 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 855093 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.9990 | Yes | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 13.06 | 0 | 13.06 | 13.05 | 13.05 | (No Data) | (No Data) | (No Data) | 259815.75 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 108 months | Business Bank Statements - 12 months;<br> CPA Letter - 108 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 379406 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | 3 Family | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 6.7500 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -9123.77 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 11700.00 | No | (No Data) | 1.2823 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 105661 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | No | Yes | 1 | 7.5000 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3373.81 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | Yes | Full Recourse | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 656334 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Permanent Resident Alien | (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 in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 7.1251 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2782.75 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3200.00 | No | (No Data) | 1.1499 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | Other | (No Data) | (No Data) |
| 105068 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | 3 Family | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 6.5000 | Yes | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 4.11 | 0 | 4.11 | 4.11 | 4.11 | (No Data) | (No Data) | (No Data) | 197639.14 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 60 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 741830 | 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) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | Yes | Yes | 1 | 14.0690 | No | No | 11.373 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1306.19 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1800.00 | No | (No Data) | 1.3780 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 775169 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Non-Resident Alien | U.S. Citizen | (No Data) | Investor | Manufactured (Dbl) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 3%, 2% of amt prepd in year 1,2 | (No Data) | No | Yes | 1 | 8.1250 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1143.99 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1800.00 | No | (No Data) | 1.5734 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 389996 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | Manufactured (Dbl) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 3%, 2% of amt prepd in year 1,2 | (No Data) | No | Yes | 1 | 8.8750 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2081.11 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2100.00 | No | (No Data) | 1.0090 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 205610 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 8.8750 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1190.95 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2000.00 | No | (No Data) | 1.6793 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 377340 | 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) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 6.6250 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1639.71 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No 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 | 2600.00 | No | (No Data) | 1.5856 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 246848 | 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) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 6.7500 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1987.68 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 2600.00 | 1.3080 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 137416 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 6.6250 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4980.2 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 5300.00 | No | (No Data) | 1.0642 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 367885 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | Yes | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.3750 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3053.59 | 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 | 2450.00 | No | (No Data) | 0.8023 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 677560 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Permanent Resident Alien | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | No | Yes | 1 | 6.7500 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2179.08 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | Yes | Full Recourse | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2500.00 | No | (No Data) | 1.1472 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | Other | Other | (No Data) |
| 820262 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | No | Yes | 1 | 7.3750 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5887.74 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 106384 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Non-Resident Alien | (No Data) | (No Data) | Investor | Attached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1047.6 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1200.00 | No | (No Data) | 1.1454 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 997760 | 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) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 8.3750 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1656.56 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1790.00 | No | (No Data) | 1.0805 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 862417 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Non-Resident Alien | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 6.7500 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1704.31 | No | 0 | (No Data) | No | Not Applicable | (No Data) | Not Applicable | (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 | 2150.00 | No | (No Data) | 1.2615 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 486139 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Permanent Resident Alien | Permanent Resident Alien | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 6.6250 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -6470.86 | 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 | 6500.00 | No | (No Data) | 1.0045 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | Green Card | Green Card | (No Data) | (No Data) |
| 159536 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Non-Resident Alien | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 6.7500 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4445.19 | No | 0 | (No Data) | No | Not Applicable | (No Data) | Not Applicable | (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 | 4000.00 | No | (No Data) | 0.8998 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 991679 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Non-Resident Alien | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 8.9990 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2992.18 | No | 0 | (No Data) | No | Not Applicable | (No Data) | Not Applicable | (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 | 2725.00 | No | (No Data) | 0.9107 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 303575 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | Manufactured (Dbl) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 7.9991 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 46.92 | 0 | 46.92 | 46.92 | 46.92 | (No Data) | (No Data) | (No Data) | 14384.98 | Yes | 60 | Yes | Yes | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 616003 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Non-Resident Alien | U.S. Citizen | (No Data) | Investor | 3 Family | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | No | Yes | 1 | 7.9991 | Yes | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 23.94 | 0 | 23.94 | 23.94 | 23.94 | (No Data) | (No Data) | (No Data) | 101329.73 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 36 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 36 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 580300 | 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) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of UPB if amt prepd >20% of OPB | (No Data) | No | Yes | 1 | 11.9990 | No | No | 2.4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2384.4 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2400.00 | No | (No Data) | 1.0065 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 152123 | 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) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 11.1250 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -18201.11 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 761623 | 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) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 10.5000 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1157.33 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1600.00 | No | (No Data) | 1.3824 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 874333 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 11.9990 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2150.44 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2700.00 | No | (No Data) | 1.2555 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 305956 | 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) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 8.9990 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1060.95 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1200.00 | No | (No Data) | 1.1310 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 724400 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 6.8750 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1965.08 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 2400.00 | 1.2213 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 366419 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Permanent Resident Alien | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 11.8750 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3248.85 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Other | (No Data) | (No Data) | (No Data) |
| 267578 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Non-Permanent Resident Alien | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 6.9990 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -6999.72 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 7000.00 | No | (No Data) | 1.0000 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | Employment Authorization Document | (No Data) | (No Data) |
| 888919 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | No | Yes | 1 | 6.6250 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3555.5 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3600.00 | No | (No Data) | 1.0125 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 920463 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 6.8750 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2729.21 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2850.00 | No | (No Data) | 1.0442 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 578498 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 6.5000 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3631.34 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 6484.00 | No | (No Data) | 1.7855 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 965463 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.8750 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1813.81 | 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 | 3800.00 | No | (No Data) | 2.0950 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 982533 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | Condotel | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 6.6250 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4227.55 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | Yes | Full Recourse | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 7495.00 | No | (No Data) | 1.7728 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) |
| 448630 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Permanent Resident Alien | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1803.91 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1775.00 | No | (No Data) | 0.9840 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | Green Card | (No Data) | (No Data) | (No Data) |
| 846795 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | Mid Rise Condo (5-8) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 3% of UPB if amt prepd >20% of OPB | (No Data) | No | Yes | 1 | 7.8751 | Yes | No | 2.4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 30.95 | 0 | 30.95 | 30.95 | 30.95 | (No Data) | (No Data) | (No Data) | 26777.17 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 31 | Yes | Independent Third Party (The Work Number, Equifax etc) | 32 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 31 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 32 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 399010 | 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 UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 6.5000 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3505.28 | 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 | 4000.00 | No | (No Data) | 1.1411 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 153611 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 6.9990 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2528.53 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 755360 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Permanent Resident Alien | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 7.1251 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3085.89 | 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 | 2900.00 | No | (No Data) | 0.9397 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | Green Card | (No Data) | (No Data) | (No Data) |
| 888049 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | Manufactured (Dbl) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.3750 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1686.27 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 1925.00 | 1.1415 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 424587 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Non-Resident Alien | Non-Resident Alien | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 6.8750 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1528.36 | No | 0 | (No Data) | No | Not Applicable | (No Data) | Not Applicable | (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 | 2250.00 | No | (No Data) | 1.4721 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 283237 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | Mid Rise Condo (5-8) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | Yes | No | No | Yes | 3% of Amt PPPD if Amt PPD > 20% of OPB | (No Data) | No | Yes | 1 | 7.9991 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1685.39 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1800.00 | No | (No Data) | 1.0680 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 526601 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 6.5000 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2968.93 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3200.00 | No | (No Data) | 1.0778 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 678852 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Permanent Resident Alien | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 3%, 2% of amt prepd in year 1,2 | (No Data) | No | Yes | 1 | 6.9990 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1828.7 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2000.00 | No | (No Data) | 1.0936 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | Green Card | (No Data) | (No Data) |
| 612085 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Non-Permanent Resident Alien | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 9.1250 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1958.63 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2000.00 | No | (No Data) | 1.0211 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | Other | (No Data) | (No Data) | (No Data) |
| 927615 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3% of UPB if amt prepd >20% of OPB | (No Data) | No | Yes | 1 | 7.3750 | No | No | 2.4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2545.31 | 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 | 3000.00 | No | (No Data) | 1.1786 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 341573 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 7.1251 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3218.98 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 5000.00 | No | (No Data) | 1.5532 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 269499 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 6.7500 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1516.31 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1800.00 | No | (No Data) | 1.1870 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 625529 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | No | Yes | 1 | 6.9990 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2456.34 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2500.00 | No | (No Data) | 1.0177 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 682455 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Permanent Resident Alien | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 6.8750 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1839.26 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1500.00 | No | (No Data) | 0.8155 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | Green Card | (No Data) | (No Data) | (No Data) |
| 609751 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | High Rise Condo (9+) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | No | Yes | 1 | 6.6250 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 43.37 | 0 | 43.37 | 43.37 | 43.37 | (No Data) | (No Data) | (No Data) | 15359.2 | 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) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 66 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 22 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 22 months;<br> W2 - 24 months;<br> Written VOE - 66 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 713712 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Non-Permanent Resident Alien | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | No | Yes | 1 | 10.1250 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2036.45 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Other | (No Data) | (No Data) |
| 405728 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Non-Permanent Resident Alien | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | No | Yes | 1 | 7.9991 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2319.3 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2295.00 | No | (No Data) | 0.9895 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | Employment Authorization Document | (No Data) | (No Data) |
| 781722 | 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 UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 6.6250 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1558.38 | 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 | 1575.00 | No | (No Data) | 1.0106 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 841822 | 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 in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 6.8750 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1652.99 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1745.00 | No | (No Data) | 1.0566 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 161399 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Non-Permanent Resident Alien | (No Data) | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | No | Yes | 1 | 6.8750 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2619.59 | 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 | 3600.00 | No | (No Data) | 1.3742 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | Employment Authorization Document | (No Data) | (No Data) | (No Data) |
| 960817 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Non-Permanent Resident Alien | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 6.9990 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1529.28 | 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 | 1695.00 | No | (No Data) | 1.1083 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | Other | (No Data) | (No Data) | (No Data) |
| 223250 | 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) | No | (No Data) | Cashout Refi | Yes | Yes | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 6.4999 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -6486.87 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No 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 | 6300.00 | No | (No Data) | 0.9710 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 656209 | 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 | No | (No Data) | (No Data) | No | Yes | 1 | 8.2500 | Yes | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 3.29 | 0 | 3.29 | 3.29 | 3.29 | (No Data) | (No Data) | (No Data) | 54437.27 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 36 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 703746 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Attached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.7500 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3136.07 | 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 | 3200.00 | No | (No Data) | 1.0203 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 173663 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Permanent Resident Alien | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | No | Yes | 1 | 7.7501 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1533.03 | 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 | 1700.00 | No | (No Data) | 1.1089 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | Green Card | Green Card | (No Data) |
| 792899 | 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) | Cashout Refi | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 8.7500 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3780.01 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3600.00 | No | (No Data) | 0.9523 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 579444 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | High Rise Condo (9+) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 12.9991 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2042.46 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1750.00 | No | (No Data) | 0.8568 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 159796 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 10.9731 | Yes | Yes | 1.568 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 23.07 | 24.22 | 23.07 | 24.22 | 24.22 | 24.22 | Yes | Yes | Yes | 22106.28 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 390920 | 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) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 8.6250 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1789.1 | 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 | 1700.00 | No | (No Data) | 0.9501 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 143192 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.7801 | Yes | Yes | 1.195 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 38.06 | 37.74 | 38.06 | 37.74 | 37.74 | 37.74 | Yes | Yes | Yes | 14081.36 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 29 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 24 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 29 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 960510 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.7500 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2703.87 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No 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 | 3300.00 | No | (No Data) | 1.2204 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 534180 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Yes | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | Non-Resident Alien | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.4468 | Yes | Yes | 2.158 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | No | (No Data) | (No Data) | Yes | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 12.27 | 12.34 | 12.27 | 12.34 | 12.34 | 12.34 | Yes | Yes | Yes | 128637.84 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 316351 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | No | Primary | SFR | 1 | Conventional | No | No | No | No | No | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 7.1951 | Yes | Yes | 3.204 | 5.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 34.84 | 34.84 | 34.84 | 34.84 | 34.84 | 34.84 | Yes | Yes | Yes | 22844.28 | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (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) | Yes | 0 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | Yes | 0 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 28 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter with Income - 0 months;<br> Personal Bank Statements - 28 months;<br> Verbal VOE with Income - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 496584 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | No | Second Home | Mid Rise Condo (5-8) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.6957 | No | Yes | 1.699 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 0 | 0 | 0 | 0 | 0 | 0 | No | No | (No Data) | -4091.17 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 832444 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Yes | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | No | Second Home | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.6833 | No | No | 1.467 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | No | (No Data) | (No Data) | (No Data) | Yes | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 0 | 0 | 0 | 0 | 0 | 0 | No | No | (No Data) | -3494.93 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 393262 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 9.0298 | No | Yes | 1.133 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 0 | 0 | 0 | 0 | 0 | 0 | No | No | (No Data) | -18891.32 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 143174 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Attached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 8.3535 | No | No | 3.385 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 0 | 0 | 0 | 0 | 0 | 0 | No | No | (No Data) | -3328.43 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 475718 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | Permanent Resident Alien | U.S. Citizen | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.4225 | Yes | Yes | 2.332 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 38.92 | 38.93 | 38.92 | 38.93 | 38.93 | 38.93 | Yes | Yes | Yes | 6695.42 | Yes | 60 | Yes | Yes | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 3 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> Personal Bank Statements - 3 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | Green Card | (No Data) | (No Data) | (No Data) |
| 600686 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | Permanent Resident Alien | Permanent Resident Alien | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.5448 | No | Yes | 1.349 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 35.09 | 45.38 | 35.09 | 45.38 | 45.38 | 45.38 | Yes | Yes | Yes | 6853.08 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 48 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 48 months | (No Data) | (No Data) | (No Data) | Other | Other | (No Data) | (No Data) |
| 206815 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 7.1063 | No | No | 3.698 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 46.74 | 47.54 | 46.74 | 47.54 | 47.54 | 47.54 | Yes | Yes | Yes | 2624.49 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 1099 - 12 months | Business Bank Statements - 12 months;<br> CPA Letter - 96 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 956273 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.3774 | No | No | 1.17 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 0 | 0 | 0 | 0 | 0 | 0 | No | No | (No Data) | -14779.88 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 360542 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | No | Second Home | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.4486 | Yes | Yes | 0 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 28.88 | 28.92 | 28.88 | 28.92 | 28.92 | 28.92 | Yes | Yes | Yes | 32610.62 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 720717 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | Non-Permanent Resident Alien | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 9.7773 | Yes | Yes | 3.448 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 18.65 | 18.65 | 18.65 | 18.65 | 18.65 | 18.65 | Yes | Yes | Yes | 33077.21 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 36 months | (No Data) | (No Data) | (No Data) | Other | (No Data) | (No Data) | (No Data) |
| 950678 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | No | Second Home | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.0110 | Yes | No | 2.785 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 10.32 | 9.68 | 0 | 9.68 | 9.68 | 9.68 | Yes | Yes | Yes | 96644.08 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 593663 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | Non-Permanent Resident Alien | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.1800 | No | No | 2.868 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 45.48 | 45.48 | 45.48 | 45.48 | 45.48 | 45.48 | Yes | Yes | Yes | 6814.11 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | FMNA 1005 | 5 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 12 months;<br> Written VOE - 5 months | (No Data) | (No Data) | (No Data) | Work Visa | (No Data) | (No Data) | (No Data) |
| 818692 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 6.9795 | Yes | Yes | 3.121 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 31.05 | 23.37 | 31.05 | 23.37 | 23.37 | 23.37 | Yes | Yes | Yes | 8022.7 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 24 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 300038 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | Non-Permanent Resident Alien | (No Data) | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 8.1756 | No | No | 4.843 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 49.16 | 47.7 | 49.16 | 47.7 | 47.7 | 47.7 | Yes | Yes | Yes | 1749.14 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter - 24 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | Green Card | (No Data) | (No Data) | (No Data) |
| 370408 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | No | Second Home | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.1964 | Yes | Yes | 2.045 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 19.58 | 19.23 | 19.58 | 19.23 | 19.23 | 19.23 | Yes | Yes | Yes | 82713.17 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 976810 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | No | Second Home | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.2981 | Yes | Yes | 2.578 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 23.39 | 22.47 | 23.39 | 22.47 | 22.47 | 22.47 | Yes | Yes | Yes | 38747.09 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 684613 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | No | Second Home | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.8803 | Yes | Yes | 1.796 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 42.85 | 40.22 | 42.85 | 40.22 | 40.22 | 40.22 | Yes | Yes | Yes | 16481.83 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 12 months | Paystub - 1 months;<br> W2 - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 541105 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.4658 | No | No | 2.355 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 44.43 | 49.75 | 44.43 | 49.75 | 49.75 | 49.75 | Yes | Yes | Yes | 8591.91 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | CPA | 18 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | P & L - 18 months | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 428242 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Attached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 7.2522 | No | Yes | 3.43 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 42.36 | 45.28 | 42.36 | 45.28 | 45.28 | 45.28 | Yes | Yes | Yes | 5471.82 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | CPA | 19 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 3 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter - 48 months;<br> P & L - 19 months;<br> Personal Bank Statements - 3 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 948940 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | High Rise Condo (9+) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.9785 | No | No | 2.066 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 0 | 0 | 0 | 0 | 0 | 0 | No | No | (No Data) | -5350.5 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 2 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Personal Bank Statements - 2 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 216227 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 7.0958 | Yes | Yes | 4.308 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 33.51 | 35.3 | 33.51 | 35.3 | 35.3 | 35.3 | Yes | Yes | Yes | 5607.2 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 190232 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.7765 | Yes | Yes | 2.68 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 40.44 | 40.98 | 40.44 | 40.98 | 40.98 | 40.98 | Yes | Yes | Yes | 6622.73 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 357764 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.0547 | Yes | Yes | 2.602 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 38.07 | 38.07 | 38.07 | 38.07 | 38.07 | 38.07 | Yes | Yes | Yes | 23423.72 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 96 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 202445 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 8.0189 | Yes | Yes | 2.956 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 21.88 | 22.16 | 21.88 | 22.16 | 22.16 | 22.16 | Yes | Yes | Yes | 79218.5 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 697186 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Manufactured (Dbl) | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 8.3794 | No | Yes | 3.313 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 42.81 | 43.4 | 42.81 | 43.4 | 43.4 | 43.4 | Yes | Yes | Yes | 12184.86 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 24 | Yes | FMNA 1005 | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Award Letter - 12 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 623018 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.2878 | Yes | Yes | 1.795 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 42.33 | 42.36 | 42.33 | 42.36 | 42.36 | 42.36 | Yes | Yes | Yes | 7715.05 | 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 | Yes | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 549187 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | Non-Permanent Resident Alien | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 8.6735 | No | No | 3.762 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 44.5 | 44.67 | 44.5 | 44.67 | 44.67 | 44.67 | Yes | Yes | Yes | 3112.16 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | Other | (No Data) | (No Data) | (No Data) |
| 118115 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 9.5024 | No | No | 2.752 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 46.88 | 47.6 | 46.88 | 47.6 | 47.6 | 47.6 | Yes | Yes | Yes | 13777.62 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter - 84 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 149181 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 7.0848 | No | No | 4.328 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 52.7 | 52.7 | 52.7 | 52.7 | 52.7 | 52.7 | Yes | Yes | Yes | 1348.16 | Yes | 3 | Yes | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 2 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Award Letter - 12 months;<br> Personal Bank Statements - 2 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 300429 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | Permanent Resident Alien | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 7.9590 | Yes | Yes | 3.231 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 21.44 | 20.78 | 21.44 | 20.78 | 20.78 | 20.78 | Yes | Yes | Yes | 33301.97 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 24 months | (No Data) | (No Data) | (No Data) | Green Card | (No Data) | (No Data) | (No Data) |
| 161174 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | Permanent Resident Alien | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 8.1850 | Yes | Yes | 3.249 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 37.5 | 37.17 | 37.5 | 37.17 | 37.17 | 37.17 | Yes | Yes | Yes | 22004.58 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | Green Card | (No Data) | (No Data) | (No Data) |
| 892696 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Mid Rise Condo (5-8) | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 9.4712 | Yes | Yes | 3.933 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 42.07 | 42.08 | 42.07 | 42.08 | 42.08 | 42.08 | Yes | Yes | Yes | 5098.99 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 31 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 31 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 310322 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Manufactured (Dbl) | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 10.8638 | No | No | 3.794 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 43.22 | 43.36 | 43.22 | 43.36 | 43.36 | 43.36 | Yes | Yes | Yes | 4956.03 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 32 | Yes | FMNA 1005 | 32 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> Written VOE - 32 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 32 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 944238 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.0432 | Yes | No | 2.571 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 46.11 | 41.09 | 46.11 | 41.09 | 41.09 | 41.09 | Yes | Yes | Yes | 4264.52 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 103191 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | Non-Resident Alien | Non-Resident Alien | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 10.5759 | Yes | Yes | 3.973 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 11.38 | 11.38 | 11.38 | 11.38 | 11.38 | 11.38 | Yes | Yes | Yes | 35349.41 | 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 | Yes | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter - 84 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 479325 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | Permanent Resident Alien | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.6520 | Yes | Yes | 1.9 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 40.58 | 37.97 | 40.58 | 37.97 | 37.97 | 37.97 | Yes | Yes | Yes | 18360.81 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 60 months | (No Data) | (No Data) | (No Data) | Green Card | (No Data) | (No Data) | (No Data) |
| 248296 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 8.1943 | Yes | Yes | 2.473 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 27.63 | 27.9 | 27.63 | 27.9 | 27.9 | 27.9 | Yes | Yes | Yes | 17123.35 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | FMNA 1005 | 12 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Offer Letter - 1 months;<br> W2 - 12 months;<br> Written VOE - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 223083 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | Permanent Resident Alien | Permanent Resident Alien | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.9829 | Yes | Yes | 2.975 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 39.8 | 39.8 | 39.8 | 39.8 | 39.8 | 39.8 | Yes | Yes | Yes | 5733.67 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | Other | Other | (No Data) | (No Data) |
| 777587 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 8.8462 | Yes | Yes | 3.743 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 41.71 | 40.62 | 41.71 | 40.62 | 40.62 | 40.62 | Yes | Yes | Yes | 4296.97 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 665685 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 7.1918 | Yes | Yes | 3.194 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 33.41 | 31.09 | 33.41 | 31.09 | 31.09 | 31.09 | Yes | Yes | Yes | 2757.38 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 1099 - 12 months | 1099 - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 279657 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.4828 | No | No | 2.439 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 47.48 | 47.53 | 47.48 | 47.53 | 47.53 | 47.53 | Yes | Yes | Yes | 20387.89 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 963848 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.5912 | No | No | 2.186 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 47.73 | 47.61 | 47.73 | 47.61 | 47.61 | 47.61 | Yes | Yes | Yes | 16002.07 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Award Letter - 12 months;<br> Business Bank Statements - 12 months;<br> CPA Letter - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 334229 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 8.7047 | Yes | Yes | 3.156 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 26.64 | 29.03 | 26.64 | 29.03 | 29.03 | 29.03 | Yes | Yes | Yes | 10983.03 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 159079 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | Permanent Resident Alien | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 7.0330 | Yes | No | 3.372 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 43.23 | 42.82 | 43.23 | 42.82 | 42.82 | 42.82 | Yes | Yes | Yes | 3313.62 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | FMNA 1005 | 24 | Yes | FMNA 1005 | 32 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 32 months | (No Data) | (No Data) | (No Data) | Green Card | (No Data) | (No Data) |
| 421798 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 8.3578 | No | No | 3.325 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 46.98 | 46.99 | 46.98 | 46.99 | 46.99 | 46.99 | Yes | Yes | Yes | 7039.87 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 36 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 36 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 797817 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.5942 | Yes | Yes | 2.546 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 42.43 | 37.14 | 42.43 | 37.14 | 37.14 | 37.14 | Yes | Yes | Yes | 7620.16 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 844924 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | Non-Permanent Resident Alien | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 8.8972 | Yes | Yes | 2.336 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 30.34 | 30.34 | 30.34 | 30.34 | 30.34 | 30.34 | Yes | Yes | Yes | 11321.25 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 12 months | (No Data) | (No Data) | (No Data) | Other | (No Data) | (No Data) | (No Data) |
| 374555 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.2884 | No | No | 0.59 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 48.54 | 48.49 | 48.54 | 48.49 | 48.49 | 48.49 | Yes | Yes | Yes | 5309.01 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 48 months | Business Bank Statements - 12 months;<br> CPA Letter - 18 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 300235 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.1742 | No | No | 1.749 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 50.3 | 46.54 | 50.3 | 46.54 | 46.54 | 46.54 | Yes | Yes | Yes | 6975.24 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 275024 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.9472 | No | No | 1.541 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 49.1 | 49.75 | 49.1 | 49.75 | 49.75 | 49.75 | Yes | Yes | Yes | 5379.01 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> Personal Tax Return - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 113544 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.9468 | Yes | Yes | 1.736 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 5.11 | 5.11 | 5.11 | 5.11 | 5.11 | 5.11 | Yes | Yes | Yes | 166099.78 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 228 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 100040 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.6312 | No | No | 1.751 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 44.61 | 43.99 | 44.61 | 43.99 | 43.99 | 43.99 | Yes | Yes | Yes | 18348.49 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | CPA | 12 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter - 72 months;<br> P & L - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 501376 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | Permanent Resident Alien | (No Data) | (No Data) | Primary | High Rise Condo (9+) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.9894 | Yes | No | 2.209 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 16.22 | 16.22 | 0 | 16.22 | 16.22 | 16.22 | Yes | Yes | Yes | 20083.05 | 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 | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 36 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 36 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | Other | (No Data) | (No Data) | (No Data) |

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## Exhibit 99.2

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| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | **BRAVO 2026-NQM1** |
| **Start - End Dates:** | **6/15/2016 - 10/21/2025** |
| **Deal Loan Count:** | **177** |
| **Rating Agency ATR QM Data Fields** | **Rating Agency ATR QM Data Fields** |
| *Loans in Report:* | *177* |

---

---

| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Loan Level ATR/QM Status** | **Application Date Prior to 1/10/2014** | **Lender Application Date** | **Broker Application Date** | **GSE Eligible** | **QRM Flag** | **ATR/QM Total Points and Fees** | **Rate Lock Date** | **APR** | **Bwr 1 Employment Indicator** | **Bwr 2 Employment Indicator** | **Bwr 1 Foreign National Indicator** | **Bwr 2 Foreign National Indicator** | **Borrowers Qualified Through a Non-Resident Alien Program** | **Residual Income Analysis in File** | **ATR/QM Residual Income** |
| 859342 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.999 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXXX |
| 151730 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.375 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXXX |
| 275940 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.75 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXXX |
| 326352 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.75 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXXX |
| 775559 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.75 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXXX |
| 159756 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.875 | Unemployed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | (No Data) | XXXXXX |
| 594454 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.7501 | Unemployed | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | XXXXXX |
| 404836 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 10.625 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 492134 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 10.25 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXXX |
| 901184 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.1251 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXXX |
| 817528 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.3232 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXXX |
| 165544 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.3103 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXXX |
| 279719 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 9.999 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXXX |
| 356396 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.75 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXXX |
| 894768 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.375 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | XXXXXX |
| 301771 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.8751 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 305390 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.8751 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 650203 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.7501 | Unemployed | Employed | Non-Resident Alien | U.S. Citizen | (No Data) | (No Data) | XXXXXX |
| 140893 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.7501 | Employed | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXXX |
| 958604 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.25 | Unemployed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | XXXXXX |
| 413704 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.625 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | (No Data) | XXXXXX |
| 182678 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 9.375 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 985111 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 9.75 | Unemployed | Unemployed | Non-Resident Alien | Non-Resident Alien | (No Data) | (No Data) | XXXXXX |
| 144813 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.6061 | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | (No Data) | XXXXXX |
| 936237 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.75 | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | (No Data) | XXXXXX |
| 900547 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.999 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 700625 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 10.4468 | Unemployed | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXXX |
| 243661 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.625 | Unemployed | Unemployed | Non-Resident Alien | Non-Resident Alien | (No Data) | (No Data) | XXXXXX |
| 245027 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.875 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | XXXXXX |
| 748452 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.5 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXXX |
| 284061 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.375 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 916019 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.625 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXXX |
| 895392 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 9.999 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 715222 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.8751 | Unemployed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | XXXXXX |
| 570967 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 11.999 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 152701 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.75 | Unemployed | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | XXXXXX |
| 560426 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 12.125 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 654368 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.5 | Unemployed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | (No Data) | XXXXXX |
| 624354 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.875 | Unemployed | Unemployed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | XXXXXX |
| 646232 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.875 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXXX |
| 228556 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.875 | Unemployed | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | XXXXXX |
| 413405 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.875 | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | (No Data) | XXXXXX |
| 979638 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.75 | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | (No Data) | XXXXXX |
| 899695 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.999 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 986957 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.25 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | XXXXXX |
| 155644 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.75 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | XXXXXX |
| 318685 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.25 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | XXXXXX |
| 638959 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.7331 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | XXXXXX |
| 482730 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.5 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | (No Data) | XXXXXX |
| 681352 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.1251 | Employed | Employed | Permanent Resident Alien | U.S. Citizen | (No Data) | (No Data) | XXXXXX |
| 486732 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.875 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 576345 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.875 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | XXXXXX |
| 332446 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.125 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXXX |
| 855093 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.999 | Unemployed | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXXX |
| 379406 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.75 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXXX |
| 105661 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.5 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXXX |
| 656334 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.1251 | Unemployed | Unemployed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | XXXXXX |
| 105068 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.5 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 741830 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 14.069 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXXX |
| 775169 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.125 | Unemployed | Unemployed | Non-Resident Alien | U.S. Citizen | (No Data) | (No Data) | XXXXXX |
| 389996 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.875 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXXX |
| 205610 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.875 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXXX |
| 377340 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.625 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 246848 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.75 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 137416 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.625 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 367885 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.375 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXXX |
| 677560 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.75 | Unemployed | Unemployed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | XXXXXX |
| 820262 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.375 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXXX |
| 106384 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.375 | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | (No Data) | XXXXXX |
| 997760 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.375 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXXX |
| 862417 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.75 | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | (No Data) | XXXXXX |
| 486139 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.625 | Unemployed | Unemployed | Permanent Resident Alien | Permanent Resident Alien | (No Data) | (No Data) | XXXXXX |
| 159536 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.75 | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | (No Data) | XXXXXX |
| 991679 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.999 | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | (No Data) | XXXXXX |
| 303575 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.9991 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | XXXXXX |
| 616003 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.9991 | Unemployed | Unemployed | Non-Resident Alien | U.S. Citizen | (No Data) | (No Data) | XXXXXX |
| 580300 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 11.999 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 152123 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 11.125 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 761623 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 10.5 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 874333 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 11.999 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXXX |
| 305956 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.999 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 724400 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.875 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 366419 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 11.875 | Unemployed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | XXXXXX |
| 267578 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.999 | Unemployed | Unemployed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | XXXXXX |
| 888919 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.625 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXXX |
| 920463 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.875 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 578498 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.5 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 965463 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.875 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | XXXXXX |
| 982533 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.625 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXXX |
| 448630 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.375 | Unemployed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | XXXXXX |
| 846795 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.8751 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | XXXXXX |
| 399010 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.5 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 153611 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.999 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | XXXXXX |
| 755360 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.1251 | Unemployed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | XXXXXX |
| 888049 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.375 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | XXXXXX |
| 424587 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.875 | Unemployed | Unemployed | Non-Resident Alien | Non-Resident Alien | (No Data) | (No Data) | XXXXXX |
| 283237 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.9991 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXXX |
| 526601 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.5 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXXX |
| 678852 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.999 | Unemployed | Unemployed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | XXXXXX |
| 612085 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 9.125 | Unemployed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | (No Data) | XXXXXX |
| 927615 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.375 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXXX |
| 341573 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.1251 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | XXXXXX |
| 269499 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.75 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXXX |
| 625529 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.999 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXXX |
| 682455 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.875 | Unemployed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | XXXXXX |
| 609751 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.625 | Unemployed | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXXX |
| 713712 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 10.125 | Unemployed | Unemployed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | XXXXXX |
| 405728 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.9991 | Unemployed | Unemployed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | XXXXXX |
| 781722 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.625 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 841822 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.875 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 161399 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.875 | Unemployed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | (No Data) | XXXXXX |
| 960817 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.999 | Unemployed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | (No Data) | XXXXXX |
| 223250 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.4999 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 656209 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.25 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 703746 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.75 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 173663 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.7501 | Unemployed | Unemployed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | XXXXXX |
| 792899 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.75 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 579444 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 12.9991 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXXX |
| 159796 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 4216.88 | XXXXXX | 10.9731 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXXX |
| 390920 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.625 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 143192 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 5468 | XXXXXX | 6.7801 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | XXXXXX |
| 960510 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.75 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 534180 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 20795 | XXXXXX | 7.4468 | Employed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | Yes | XXXXXX |
| 316351 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 40295 | XXXXXX | 7.1951 | Employed | (No Data) | U.S. Citizen | (No Data) | No | Yes | XXXXXX |
| 496584 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 6645 | XXXXXX | 6.6957 | Unemployed | (No Data) | U.S. Citizen | (No Data) | No | No | XXXXXX |
| 832444 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 5750 | XXXXXX | 6.6833 | Unemployed | (No Data) | U.S. Citizen | (No Data) | No | No | XXXXXX |
| 393262 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 22180 | XXXXXX | 9.0298 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXXX |
| 143174 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 10687.5 | XXXXXX | 8.3535 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXXX |
| 475718 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 9786.4 | XXXXXX | 7.4225 | Employed | Unemployed | Permanent Resident Alien | U.S. Citizen | (No Data) | Yes | XXXXXX |
| 600686 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 8545 | XXXXXX | 7.5448 | Employed | Employed | Permanent Resident Alien | Permanent Resident Alien | (No Data) | Yes | XXXXXX |
| 206815 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 11200 | XXXXXX | 7.1063 | Retired | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | XXXXXX |
| 956273 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 19345 | XXXXXX | 8.3774 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXXX |
| 360542 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.4486 | Employed | (No Data) | U.S. Citizen | (No Data) | No | Yes | XXXXXX |
| 720717 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 17917 | XXXXXX | 9.7773 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | Yes | XXXXXX |
| 950678 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 6750 | XXXXXX | 7.011 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | No | Yes | XXXXXX |
| 593663 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 14250 | XXXXXX | 7.18 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | Yes | XXXXXX |
| 818692 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 8284 | XXXXXX | 6.9795 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXXX |
| 300038 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 4527.5 | XXXXXX | 8.1756 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | Yes | XXXXXX |
| 370408 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 12775 | XXXXXX | 7.1964 | Employed | (No Data) | U.S. Citizen | (No Data) | No | Yes | XXXXXX |
| 976810 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 13875 | XXXXXX | 7.2981 | Employed | (No Data) | U.S. Citizen | (No Data) | No | Yes | XXXXXX |
| 684613 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 7854 | XXXXXX | 7.8803 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | Yes | XXXXXX |
| 541105 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 7000 | XXXXXX | 7.4658 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | XXXXXX |
| 428242 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 5494 | XXXXXX | 7.2522 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXXX |
| 948940 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 10687.5 | XXXXXX | 6.9785 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXXX |
| 216227 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 9850 | XXXXXX | 7.0958 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXXX |
| 190232 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 7570 | XXXXXX | 6.7765 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXXX |
| 357764 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 32047.84 | XXXXXX | 7.0547 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | XXXXXX |
| 202445 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 26500 | XXXXXX | 8.0189 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXXX |
| 697186 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 8230 | XXXXXX | 8.3794 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | XXXXXX |
| 623018 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 6395 | XXXXXX | 7.2878 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | XXXXXX |
| 549187 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 6364 | XXXXXX | 8.6735 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | Yes | XXXXXX |
| 118115 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 13933.75 | XXXXXX | 9.5024 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXXX |
| 149181 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 5297.5 | XXXXXX | 7.0848 | Retired | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXXX |
| 300429 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 22330 | XXXXXX | 7.959 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | Yes | XXXXXX |
| 161174 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 23854.75 | XXXXXX | 8.185 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | Yes | XXXXXX |
| 892696 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 8824 | XXXXXX | 9.4712 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXXX |
| 310322 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 5575 | XXXXXX | 10.8638 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | XXXXXX |
| 944238 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 8970 | XXXXXX | 7.0432 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXXX |
| 103191 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 12312.5 | XXXXXX | 10.5759 | Employed | Unemployed | Non-Resident Alien | Non-Resident Alien | (No Data) | Yes | XXXXXX |
| 479325 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 22933.75 | XXXXXX | 6.652 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | Yes | XXXXXX |
| 248296 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 10590 | XXXXXX | 8.1943 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXXX |
| 223083 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 9112.5 | XXXXXX | 6.9829 | Employed | Unemployed | Permanent Resident Alien | Permanent Resident Alien | (No Data) | Yes | XXXXXX |
| 777587 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 9625 | XXXXXX | 8.8462 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | XXXXXX |
| 665685 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 4559 | XXXXXX | 7.1918 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | Yes | XXXXXX |
| 279657 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 35050 | XXXXXX | 7.4828 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | XXXXXX |
| 963848 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 28204.58 | XXXXXX | 6.5912 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXXX |
| 334229 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 14372.5 | XXXXXX | 8.7047 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXXX |
| 159079 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 6145 | XXXXXX | 7.033 | Employed | Employed | U.S. Citizen | Permanent Resident Alien | (No Data) | Yes | XXXXXX |
| 421798 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 9250 | XXXXXX | 8.3578 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXXX |
| 797817 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 8570 | XXXXXX | 7.5942 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXXX |
| 844924 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 7700 | XXXXXX | 8.8972 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | Yes | XXXXXX |
| 374555 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 2775.57 | XXXXXX | 7.2884 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | XXXXXX |
| 300235 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 12685 | XXXXXX | 8.1742 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXXX |
| 275024 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 7850 | XXXXXX | 6.9472 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXXX |
| 113544 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 13913.5 | XXXXXX | 7.9468 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXXX |
| 100040 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 19031.25 | XXXXXX | 8.6312 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | XXXXXX |
| 501376 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 9493.75 | XXXXXX | 6.9894 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | Yes | XXXXXX |

---

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## Exhibit 99.2

---

| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | BRAVO 2026-NQM1 |
| **Start - End Dates:** | 6/15/2016 - 10/21/2025 |
| **Deal Loan Count:** | 177 |
| *Report Run Date:* | *12/30/2025* |
| **Valuations Summary** |  |
| *Loans In Report:* | *177* |
| *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** |
| 859342 | 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 |
| 151730 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 275940 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.3 |
| 326352 | 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 |
| 775559 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.3 |
| 159756 | 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 |
| 594454 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 404836 | 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 |
| 492134 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 901184 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 817528 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.2 |
| 165544 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.2 |
| 279719 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Other |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 356396 | 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 |
| 894768 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | Full Appraisal |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 301771 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 305390 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 650203 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 140893 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 958604 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 413704 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.7 |
| 182678 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2 |
| 985111 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 144813 | 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 |
| 936237 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.4 |
| 900547 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 700625 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 243661 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.3 |
| 245027 | 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 |
| 748452 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 284061 | 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 |
| 916019 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004C Manuf (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 895392 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 715222 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 570967 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 152701 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 560426 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 654368 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 624354 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 646232 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -6.98% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 228556 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 413405 | 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 |
| 979638 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 899695 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 986957 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004C Manuf (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 155644 | 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 |
| 318685 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.3 |
| 638959 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 482730 | 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 |
| 681352 | 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 |
| 486732 | 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 |
| 576345 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 332446 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 855093 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | 0.70% | Full Appraisal |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 379406 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 105661 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.3 |
| 656334 | 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 |
| 105068 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 741830 | 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% | 1.8 |
| 775169 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004C Manuf (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 389996 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004C Manuf (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 205610 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 377340 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 246848 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 137416 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 367885 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 677560 | 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 |
| 820262 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 106384 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 997760 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 862417 | 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 |
| 486139 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.4 |
| 159536 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 991679 | 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 |
| 303575 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004C Manuf (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 616003 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | 1.20% | Full Appraisal |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 580300 | 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 |
| 152123 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.9 |
| 761623 | 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 |
| 874333 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 305956 | 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 |
| 724400 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 366419 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 267578 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 888919 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 920463 | 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 |
| 578498 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.4 |
| 965463 | 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 |
| 982533 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 448630 | 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 |
| 846795 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 399010 | 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% | 1.8 |
| 153611 | 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 |
| 755360 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 888049 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004C Manuf (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 424587 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.7 |
| 283237 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.6 |
| 526601 | 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 |
| 678852 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 612085 | 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 |
| 927615 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 341573 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 269499 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| 625529 | 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% | 1.8 |
| 682455 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2 |
| 609751 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 713712 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 405728 | 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 |
| 781722 | 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 |
| 841822 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 161399 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 960817 | 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 |
| 223250 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 656209 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 703746 | 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 |
| 173663 | 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 |
| 792899 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 579444 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 159796 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 390920 | 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 |
| 143192 | 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 |
| 960510 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.1 |
| 534180 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 316351 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | XXXXXX | XXXXXX | 8.29% | BPO |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 496584 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 832444 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.1 |
| 393262 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.9 |
| 143174 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.3 |
| 475718 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 600686 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 206815 | 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 |
| 956273 | 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 |
| 360542 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 720717 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 |
| 950678 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 593663 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 818692 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 300038 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 370408 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 976810 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 684613 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.1 |
| 541105 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.6 |
| 428242 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.2 |
| 948940 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 216227 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 190232 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 357764 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.3 |
| 202445 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 697186 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004C Manuf (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 623018 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 549187 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 118115 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.3 |
| 149181 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| 300429 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 161174 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 892696 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.6 |
| 310322 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004C Manuf (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 944238 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 103191 | 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 |
| 479325 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 248296 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.1 |
| 223083 | 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 |
| 777587 | 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 |
| 665685 | 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 |
| 279657 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 963848 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2 |
| 334229 | 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 |
| 159079 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 |
| 421798 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 |
| 797817 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 844924 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 |
| 374555 | 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 |
| 300235 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.1 |
| 275024 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 113544 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 100040 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 501376 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |

---

*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 99.2

---

| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | **BRAVO 2026-NQM1** |
| **Start - End Dates:** | **6/15/2016 - 10/21/2025** |
| **Deal Loan Count:** | **177** |
| **Waived Conditions Summary** | **Waived Conditions Summary** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Review Scope** | **Category** | **Code** | **Description** | **Count** |
| Credit | Terms/Guidelines | CRDTER110 | Loan amount exceeds guideline maximum | 1 |
| Credit | Terms/Guidelines | CRDTER113 | Loan amount is below guideline minimum | 1 |
| Credit | Terms/Guidelines | CRDTER4631 | Loan parameters do not meet guidelines | 4 |
| Credit | Credit/Mtg History | CRDCRMH104 | Credit score below guidelines | 1 |
| Credit | Credit/Mtg History | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | 3 |
| Credit | Credit/Mtg History | CRDCRMH2662 | Number of mortgaged properties exceeds guideline limit | 5 |
| Credit | Credit/Mtg History | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | 2 |
| Credit | DTI | CRDDTI134 | Debt Ratio Exception =>10% | 1 |
| Credit | LTV/CLTV | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | 6 |
| Credit | LTV/CLTV | CRDLTV3028 | LTV Exceeds Guideline Requirement by 10% or more | 2 |
| Credit | LTV/CLTV | CRDLTV5736 | LTV Exceeds Guideline Requirement by less than 5% | 1 |
| Credit | Title | CRDTIL100 | Potential title issue | 1 |
| Credit | Income/Employment | CRDINC2408 | Income verification does not meet guidelines | 1 |
| Credit | Income/Employment | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | 2 |
| Credit | Income/Employment | CRDINC3204 | Income Documentation Missing | 1 |
| Credit | Insurance | CRDINSR289 | Insufficient Hazard Insurance Coverage | 1 |
| Credit | Insurance | CRDINSR3792 | Insurance policy missing Rent Loss/Business Interruption coverage | 1 |
| Credit | Application | CRDAPP3822 | Missing or incomplete documentation related to citizenship/residency | 1 |
| Credit | Assets | CRDAST205 | Insufficient Funds to Close | 1 |
| Credit | Assets | CRDAST2670 | Asset documentation is insufficient per guideline requirements | 1 |
| Credit | Assets | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | 2 |
| Property Valuations | Property | PRVAPROP177 | Property Issues Indicated | 2 |
| Property Valuations | Property | PRVAPROP241 | Property Type unacceptable under guidelines | 1 |
| Property Valuations | Property | PRVAPROP2556 | Acreage exceeds property eligibility guidelines | 3 |
| Compliance | TILA/RESPA Integrated Disclosure | CMPTRID3492 | TRID - Waiver of TRID waiting period in file | 2 |
| Compliance | Federal Consumer Protection | CMPFDCP4569 | NMLS License verification found Loan Originator Name does not match ID but can identify that the LO is the same | 1 |
| **Total** |  |  |  | **48** |
| <br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |

---

## Exhibit 99.2

---

| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | BRAVO 2026-NQM1 |
| **Start - End Dates:** | 6/15/2016 - 10/21/2025 |
| **Deal Loan Count:** | 177 |
| **Loan Level Tape Compare Upload** | **Loan Level Tape Compare Upload** |
| *Loans in Report* | *26* |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Loan Number** | **Borrower Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| 151730 | XXXXXX | Representative Credit Score for Grading | 700 | 755 |
| 817528 | XXXXXX | Borrower DSCR Percent | 1.5850 | 1.0642 |
| 817528 | XXXXXX | Borrower DSCR Percent | 1.5850 | 1.0642 |
| 817528 | XXXXXX | First Rate Change Date | 11/01/2030 | 10/01/2030 |
| 817528 | XXXXXX | Representative Credit Score for Grading | 677 | 671 |
| 560426 | XXXXXX | Representative Credit Score for Grading | 600 | 546 |
| 560426 | XXXXXX | Number of Units | 2 | 1 |
| 899695 | XXXXXX | Loan Purpose | Rate and Term Refi | Cashout Refi |
| 681352 | XXXXXX | Combined LTV | 63.30 | 66.08 |
| 681352 | XXXXXX | Original LTV | 63.30 | 66.08 |
| 389996 | XXXXXX | Representative Credit Score for Grading | 705 | 709 |
| 246848 | XXXXXX | Borrower DSCR Percent | 1.4260 | 1.308 |
| 246848 | XXXXXX | Borrower DSCR Percent | 1.4260 | 1.308 |
| 303575 | XXXXXX | Representative Credit Score for Grading | 797 | 793 |
| 616003 | XXXXXX | Debt to Income Ratio (Back) | 15.9000 | 23.9389 |
| 888919 | XXXXXX | Min Number | XXXXXX | XXXXXX |
| 792899 | XXXXXX | Representative Credit Score for Grading | 640 | 668 |
| 579444 | XXXXXX | Property Type | Low Rise Condo (1-4) | High Rise Condo (9+) |
| 832444 | XXXXXX | Loan Purpose | Cashout Refi | Rate and Term Refi |
| 600686 | XXXXXX | Debt to Income Ratio (Back) | 35.1000 | 45.3786 |
| 360542 | XXXXXX | Loan Purpose | Cashout Refi | Rate and Term Refi |
| 720717 | XXXXXX | Debt to Income Ratio (Back) | 22.0000 | 18.6544 |
| 541105 | XXXXXX | Debt to Income Ratio (Back) | 42.8000 | 49.7480 |
| 190232 | XXXXXX | Representative Credit Score for Grading | 740 | 758 |
| 944238 | XXXXXX | Combined LTV | 69.40 | 66.85 |
| 944238 | XXXXXX | Original LTV | 69.40 | 66.85 |
| 300235 | XXXXXX | Debt to Income Ratio (Back) | 50.3000 | 46.5395 |
| 316351 | XXXXXX | HCLTV | 63.41 | 0.000 |
| 316351 | XXXXXX | Origination Date | XXXXXX | XXXXXX |

---

©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited.

## Exhibit 99.2

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| 0 | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20 | 21 | 22 | 23 | 24 | 25 | 26 | 27 | 28 | 29 | 30 | 31 | 32 | 33 | 34 | 35 | 36 | 37 | 38 | 39 | 40 | 41 | 42 | 43 | 44 | 45 | 46 | 47 | 48 | 49 | 50 | 51 | 52 | 53 | 54 | 55 | 56 | 57 | 58 | 59 | 60 | 61 | 62 | 63 | 64 | 65 | 66 | 67 | 68 | 69 | 70 | 71 | 72 | 73 | 74 | 75 | 76 | 77 | 78 | 79 | 80 | 81 | 82 | 83 | 84 | 85 | 86 | 87 | 88 | 89 | 90 | 91 | 92 | 93 | 94 | 95 | 96 | 97 | 98 | 99 | 100 | 101 | 102 | 103 | 104 | 105 | 106 | 107 | 108 | 109 | 110 | 111 | 112 | 113 | 114 | 115 | 116 | 117 | 118 | 119 | 120 | 121 | 122 | 123 | 124 | 125 | 126 | 127 | 128 | 129 | 130 | 131 | 132 | 133 | 134 | 135 | 136 | 137 | 138 | 139 | 140 | 141 | 142 | 143 | 144 | 145 | 146 | 147 | 148 | 149 | 150 | 151 | 152 | 153 | 154 | 155 | 156 | 157 | 158 | 159 | 160 | 161 | 162 | 163 | 164 | 165 | 166 | 167 | 168 | 169 | 170 | 171 | 172 | 173 | 174 | 175 | 176 | 177 | 178 | 179 | 180 | 181 | 182 | 183 | 184 | 185 | 186 | 187 | 188 | 189 | 190 | 191 | 192 | 193 | 194 | 195 | 196 | 197 | 198 | 199 | 200 | 201 | 202 | 203 | 204 | 205 | 206 | 207 | 208 | 209 | 210 | 211 | 212 | 213 | 214 | 215 | 216 | 217 | 218 | 219 | 220 | 221 | 222 | 223 | 224 | 225 | 226 | 227 | 228 | 229 | 230 | 231 | 232 | 233 | 234 | 235 | 236 | 237 | 238 | 239 | 240 | 241 | 245 | 249 |
| **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** |
| 859342 | XXXXXX | XXXXXX | XXXXXX | Yes | 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 | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | 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 | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 238 | 21600.00 | 6 | 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 | 645 | 631 | 653 | XXXXXX | XXXXXX | XXXXXX | 645 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | 8.999 | XXXXXX | 0 | 0 | DSCR | 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 |
| 151730 | XXXXXX | XXXXXX | XXXXXX | Yes | 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 | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | 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 | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 4 Family | 4 | XXXXXX | Urban | Tenant | Subject to Completion(cert in file) | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 138 | 5990.00 | 1 | 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 | 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 | Not Applicable | 783 | 755 | XXXXXX | XXXXXX | XXXXXX | 755 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | 7.375 | XXXXXX | 0 | 0 | DSCR | 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 B | N/A B | N/A |
| 275940 | XXXXXX | XXXXXX | XXXXXX | Yes | 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 | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd in 12 mos >20% of OPB | 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 | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 459 | 44600.00 | 7 | (No Data) | (No Data) | (No Data) | 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 | 757 | 786 | 778 | XXXXXX | XXXXXX | XXXXXX | 778 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | 6.750 | XXXXXX | 0 | 0 | DSCR | 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 B | N/A B | N/A |
| 326352 | XXXXXX | XXXXXX | XXXXXX | Yes | 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 | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd in 12 mos >20% of OPB | 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 | Vacant | As-Is | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 460 | 35000.00 | 9 | (No Data) | (No Data) | (No Data) | 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 | 757 | 786 | 778 | XXXXXX | XXXXXX | XXXXXX | 778 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | 6.750 | XXXXXX | 0 | 0 | DSCR | 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 B | N/A B | N/A |
| 775559 | XXXXXX | XXXXXX | XXXXXX | Yes | 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 | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd in 12 mos >20% of OPB | 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 | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 460 | 35000.00 | 8 | (No Data) | (No Data) | (No Data) | 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 | 757 | 786 | 778 | XXXXXX | XXXXXX | XXXXXX | 778 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | 6.750 | XXXXXX | 0 | 0 | DSCR | 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 C | N/A B | N/A |
| 159756 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 40 Yr Fixed Interest Only | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 480 | 360 | No | (No Data) | Yes | 120 | Yes | 36 | 5% of UPB if amt prepd in 12 mos is >20% of OPB | 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 | Detached PUD | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | Not Applicable | Not Applicable | Not Applicable | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | 700 | Not Applicable | 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 | XXXXXX | XXXXXX | 700 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 95.15 | 92.24 | Fully Amortized | 7.875 | XXXXXX | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A |
| 594454 | 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 | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5%, 4%, 3%, 2%, 1% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | 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 | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2 Family | 2 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 13 | 1000.00 | 5 | (No Data) | (No Data) | (No Data) | 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 | 708 | 662 | 670 | XXXXXX | XXXXXX | XXXXXX | 670 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | 7.750 | XXXXXX | 0 | 0 | DSCR | 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 |
| 404836 | 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 | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | 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 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 59 | 9500.00 | 5 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 694 | 727 | 679 | 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 | XXXXXX | XXXXXX | 694 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | 10.625 | XXXXXX | 0 | 0 | DSCR | 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 C | A B | A |
| 492134 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 40 Yr Fixed Interest Only | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 480 | 360 | No | (No Data) | Yes | 120 | Yes | 36 | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | 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 | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 3 Family | 3 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 152 | 18000.00 | 32 | (No Data) | (No Data) | (No Data) | 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 | 643 | 677 | 592 | XXXXXX | XXXXXX | XXXXXX | 643 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 5 | 5.00 | Fully Amortized | 10.250 | XXXXXX | 0 | 0 | DSCR | 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 |
| 901184 | XXXXXX | XXXXXX | XXXXXX | Yes | 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 | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 24 | 3%, 2% of amt prepd in year 1,2 | 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 | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2 Family | 2 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 164 | 32200.00 | 10 | (No Data) | (No Data) | (No Data) | 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 | 800 | 808 | 796 | XXXXXX | XXXXXX | XXXXXX | 800 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | 7.125 | XXXXXX | 0 | 0 | DSCR | 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 |
| 817528 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 5/1 I/O ARM | ARM | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 300 | No | (No Data) | Yes | 60 | Yes | 60 | 5% of amt prepd in 12 mos >20% of OPB | No | 0 | 1-Year TCM (weekly) | 45 | 4.000 | N 1/8 | 12.8750 | 6.875 | 12 Months | 12 Months | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2.0000 | (No Data) | (No Data) | 12.8750 | 6.8750 | 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 | Attached PUD | 1 | XXXXXX | Urban | Vacant | As-Is | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 144 | 75685.00 | 5 | (No Data) | (No Data) | (No Data) | 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 | 651 | 671 | 674 | XXXXXX | XXXXXX | XXXXXX | 671 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 33.45 | 25.44 | Qualifying Rate, Fully Amortized | 8.875 | XXXXXX | 0 | 0 | DSCR | 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 | N/A | N/A |
| 165544 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 5/1 I/O ARM | ARM | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 300 | No | (No Data) | Yes | 60 | Yes | 60 | 5% of amt prepd in 12 mos >20% of OPB | No | 0 | 1-Year TCM (weekly) | No Lookback Period Stated | 4.000 | No Rounding | 12.8750 | 6.875 | 12 Months | 12 Months | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2.0000 | (No Data) | (No Data) | 12.8750 | 6.8750 | 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 | Attached PUD | 1 | XXXXXX | Urban | Vacant | As-Is | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 142 | 75685.00 | 5 | 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 | 661 | 690 | 676 | XXXXXX | XXXXXX | XXXXXX | 676 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 46.53 | 35.41 | Qualifying Rate, Fully Amortized | 8.875 | XXXXXX | 0 | 0 | DSCR | 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 C | N/A | N/A |
| 279719 | XXXXXX | XXXXXX | XXXXXX | Yes | 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 | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of amt prepd in 12 mos >20% of OPB | 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 | Other | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2 Family | 2 | XXXXXX | Urban | Tenant | As-Is | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 36 | 38889.00 | 2 | (No Data) | (No Data) | (No Data) | 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 | 770 | 753 | 737 | XXXXXX | XXXXXX | XXXXXX | 753 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | 9.999 | XXXXXX | 0 | 0 | DSCR | 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 B | N/A B | N/A |
| 356396 | XXXXXX | XXXXXX | XXXXXX | Yes | 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 | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of amt prepd in 12 mos >20% of OPB | 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 | Vacant | Subject to Completion(cert in file) | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 316 | 30000.00 | 9 | (No Data) | (No Data) | (No Data) | 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 | 723 | 797 | 801 | XXXXXX | XXXXXX | XXXXXX | 797 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | -6.95 | '-6.95 | Fully Amortized | 6.750 | XXXXXX | 0 | 0 | DSCR | 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 C | N/A B | N/A |
| 894768 | XXXXXX | XXXXXX | XXXXXX | No | 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 | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of UPB if amt prepd in 12 mos is >20% of OPB | 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 | Rural | Owner | As-Is | XXXXXX | Full Appraisal | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 179 | 30000.00 | 9 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 787 | 775 | 785 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 799 | 804 | 805 | XXXXXX | XXXXXX | XXXXXX | 785 | XXXXXX | XXXXXX | 0.79 | 48.15 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 7.99 | 7.99 | Fully Amortized | 7.375 | XXXXXX | 0.79 | 48.15 | 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 B | A B | A |
| 301771 | 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 | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 3% of UPB if amt ppd in 12 mos > 20% OPB | 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 | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 224 | 37000.00 | 8 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 702 | 716 | 740 | 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 | XXXXXX | XXXXXX | 716 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | 7.875 | XXXXXX | 0 | 0 | DSCR | 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 B | A B | A |
| 305390 | 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 | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 3% of UPB if amt prepd >20% of OPB | 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 | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 223 | 37000.00 | 8 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 702 | 716 | 740 | 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 | XXXXXX | XXXXXX | 716 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | 7.875 | XXXXXX | 0 | 0 | DSCR | 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 |
| 650203 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed Interest Only | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 300 | No | (No Data) | Yes | 60 | No | (No Data) | (No Data) | 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 | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 4 Family | 4 | XXXXXX | Urban | Tenant | As-Is | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 28 | 0.00 | 3 | (No Data) | (No Data) | (No Data) | 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 | 766 | 750 | 739 | XXXXXX | XXXXXX | XXXXXX | 750 | XXXXXX | XXXXXX | 8.71 | 26.24 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | 7.750 | XXXXXX | 8.71 | 26.97 | 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 |
| 140893 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed Interest Only | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 300 | No | (No Data) | Yes | 60 | No | (No Data) | (No Data) | 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 | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 4 Family | 4 | XXXXXX | Urban | Owner | As-Is | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 65 | 1000.00 | 6 | 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 | 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 | 766 | 750 | 739 | XXXXXX | XXXXXX | XXXXXX | 750 | XXXXXX | XXXXXX | 8.71 | 26.4 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 114.58 | 104.10 | Fully Amortized | 7.750 | XXXXXX | 8.71 | 27.16 | 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 |
| 958604 | 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 | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of UPB if amt prepd in 12 mos is >20% of OPB | 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 | Condotel | 1 | XXXXXX | Urban | Tenant | As-Is | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 134 | 15000.00 | 10 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 737 | 721 | 742 | 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 | XXXXXX | XXXXXX | 737 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 21 | 21.00 | Fully Amortized | 7.250 | XXXXXX | 0 | 0 | DSCR | 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 |
| 413704 | 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 | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of UPB if amt prepd in 12 mos is >20% of OPB | 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 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 119 | 21500.00 | 4 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 674 | 681 | 648 | 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 | XXXXXX | XXXXXX | 674 | XXXXXX | XXXXXX | 2.38 | 6.4 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0.36 | 0.36 | Fully Amortized | 7.625 | XXXXXX | 2.38 | 6.4 | 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 |
| 182678 | 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 | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of UPB if amt prepd in 12 mos is >20% of OPB | 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 | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 42 | 25000.00 | 4 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 643 | 635 | 666 | 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 | XXXXXX | XXXXXX | 643 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 43.22 | 43.22 | Fully Amortized | 9.375 | XXXXXX | 0 | 0 | DSCR | 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 |
| 985111 | XXXXXX | XXXXXX | XXXXXX | Yes | 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 | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 24 | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | 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 | Low Rise Condo (1-4) | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | Not Applicable | No | Not Applicable | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 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 | 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 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 6.86 | 6.86 | Fully Amortized | 9.750 | XXXXXX | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A |
| 144813 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 40 Yr Fixed Interest Only | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 480 | 360 | No | (No Data) | Yes | 120 | No | (No Data) | (No Data) | 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 | Detached PUD | 1 | XXXXXX | Suburban | Vacant | Subject to Completion(cert in file) | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 4 | No | Not Applicable | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 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 | 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 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 37.67 | 37.67 | I/O Amount | 6.625 | XXXXXX | 0 | 0 | DSCR | 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 | A | A |
| 936237 | 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 | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of UPB if amt prepd in 12 mos is >20% of OPB | 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 | Detached PUD | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Not Applicable | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 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 | 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 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1.06 | 1.06 | Fully Amortized | 6.750 | XXXXXX | 0 | 0 | DSCR | 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 |
| 900547 | 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 | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | 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 | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2 Family | 2 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 115 | 38500.00 | 4 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 726 | 771 | 723 | 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 | XXXXXX | XXXXXX | 726 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 21.3 | 21.30 | Fully Amortized | 6.999 | XXXXXX | 0 | 0 | DSCR | 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 B | A B | A |
| 700625 | XXXXXX | XXXXXX | XXXXXX | Yes | 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 | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | 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 | Vacant | Subject to Completion(cert in file) | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 103 | 14513.00 | 13 | (No Data) | (No Data) | (No Data) | 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 | 635 | 637 | 624 | XXXXXX | XXXXXX | XXXXXX | 635 | XXXXXX | XXXXXX | 12.99 | 42.3 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | 9.999 | XXXXXX | 12.99 | 42.3 | 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 |
| 243661 | XXXXXX | XXXXXX | XXXXXX | No | 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 | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 3% of UPB if amt ppd in 12 mos > 20% OPB | 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 | Detached PUD | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 4 | No | Not Applicable | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 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 | 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 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 29.07 | 29.07 | Fully Amortized | 7.625 | XXXXXX | 0 | 0 | DSCR | 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 |
| 245027 | XXXXXX | XXXXXX | XXXXXX | No | 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 | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 3% of UPB if amt ppd in 12 mos > 20% OPB | 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 | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 170 | 14500.00 | 2 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 785 | 743 | 782 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 755 | 732 | 749 | XXXXXX | XXXXXX | XXXXXX | 782 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 4.2 | 4.20 | Fully Amortized | 6.875 | XXXXXX | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A |
| 748452 | XXXXXX | XXXXXX | XXXXXX | Yes | 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 | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5%, 4%, 3%, 2%, 1% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | 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 | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2 Family | 2 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 87 | 30000.00 | 10 | (No Data) | (No Data) | (No Data) | 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 | 714 | 777 | 757 | XXXXXX | XXXXXX | XXXXXX | 757 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | 6.500 | XXXXXX | 0 | 0 | DSCR | 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 |
| 284061 | 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 | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 3% of UPB if amt ppd in 12 mos > 20% OPB | 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 | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 204 | 8000.00 | 20 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 772 | 787 | 779 | 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 | XXXXXX | XXXXXX | 779 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | 8.375 | XXXXXX | 0 | 0 | DSCR | 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 |
| 916019 | XXXXXX | XXXXXX | XXXXXX | Yes | 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 | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd in 12 mos if amt prepd is >20% of UPB | 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 | 1004C Manuf (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Manufactured (Dbl) | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 165 | 20000.00 | 5 | (No Data) | (No Data) | (No Data) | 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 | 763 | 790 | 765 | XXXXXX | XXXXXX | XXXXXX | 765 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 107.11 | 107.11 | Fully Amortized | 8.625 | XXXXXX | 0 | 0 | DSCR | 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 |
| 895392 | 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 | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 3% of UPB if amt ppd in 12 mos > 20% OPB | 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 | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 162 | 27000.00 | 10 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 637 | 586 | 656 | 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 | XXXXXX | XXXXXX | 637 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | 9.999 | XXXXXX | 0 | 0 | DSCR | 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 |
| 715222 | 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 | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 3% of UPB if amt ppd in 12 mos > 20% OPB | 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 | Vacant | As-Is | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 3 | No | Present | XXXXXX | 88 | 30.00 | 4 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 757 | 749 | 752 | 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 | XXXXXX | XXXXXX | 752 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 85.85 | 85.85 | Fully Amortized | 7.875 | XXXXXX | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A |
| 570967 | 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 | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of UPB if amt prepd in 12 mos is >20% of OPB | 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 | Urban | Vacant | As-Is | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 137 | 2800.00 | 8 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 600 | 605 | 601 | 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 | XXXXXX | XXXXXX | 601 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | 11.999 | XXXXXX | 0 | 0 | DSCR | 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 |
| 152701 | XXXXXX | XXXXXX | XXXXXX | Yes | 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 | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 24 | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | 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 | High Rise Condo (9+) | 1 | XXXXXX | Urban | Vacant | As-Is | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | Not Applicable | No | Not Applicable | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 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 | 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 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 9.26 | 9.26 | Fully Amortized | 6.750 | XXXXXX | 0 | 0 | DSCR | 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 |
| 560426 | 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 | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 3% of UPB if amt ppd in 12 mos > 20% OPB | 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 | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 3 Family | 3 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 48 | 4200.00 | 5 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 531 | 620 | 546 | 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 | XXXXXX | XXXXXX | 546 | XXXXXX | XXXXXX | 34.75 | 49.73 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1.92 | 1.92 | Fully Amortized | 12.125 | XXXXXX | 34.75 | 49.73 | Full Doc | 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 C | A B | A |
| 654368 | 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 | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of UPB if amt prepd in 12 mos is >20% of OPB | 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 | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Final Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 35 | 4400.00 | 2 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | 765 | 750 | 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 | XXXXXX | XXXXXX | 750 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | 7.500 | XXXXXX | 0 | 0 | DSCR | 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 |
| 624354 | XXXXXX | XXXXXX | XXXXXX | Yes | 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 | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5%, 4%, 3%, 2%, 1% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | 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 | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 300 | 42900.00 | 5 | (No Data) | (No Data) | (No Data) | 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 | 758 | 725 | 737 | XXXXXX | XXXXXX | XXXXXX | 737 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | 6.875 | XXXXXX | 0 | 0 | DSCR | 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 |
| 646232 | XXXXXX | XXXXXX | XXXXXX | Yes | 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 | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | 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 | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 0 | 0.00 | 0 | (No Data) | (No Data) | (No Data) | 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 | 799 | 791 | 806 | XXXXXX | XXXXXX | XXXXXX | 799 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | 6.875 | XXXXXX | 0 | 0 | DSCR | 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 |
| 228556 | XXXXXX | XXXXXX | XXXXXX | Yes | 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 | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 3% 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 | Subject to Completion(cert in file) | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | Not Applicable | No | Not Applicable | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 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 | 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 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 50.56 | 50.56 | Fully Amortized | 6.875 | XXXXXX | 0 | 0 | DSCR | 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 D | N/A | N/A |
| 413405 | 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 | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of UPB if amt prepd in 12 mos is >20% of OPB | 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 | Detached PUD | 1 | XXXXXX | Urban | Owner | As-Is | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 3 | No | Not Applicable | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 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 | 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 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0.28 | 0.28 | Fully Amortized | 6.875 | XXXXXX | 0 | 0 | DSCR | 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 |
| 979638 | 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 | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 3% of UPB if amt ppd in 12 mos > 20% OPB | 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 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Not Applicable | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 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 | 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 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 3.72 | 3.72 | Fully Amortized | 6.750 | XXXXXX | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A |
| 899695 | 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 Interest Only | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 300 | No | (No Data) | Yes | 60 | Yes | 12 | 3% of UPB if amt prepd >20% of OPB | 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 | Detached PUD | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 3 | No | Present | XXXXXX | 164 | 25000.00 | 2 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 734 | 715 | 722 | 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 | XXXXXX | XXXXXX | 722 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | 6.999 | XXXXXX | 0 | 0 | DSCR | 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 |
| 986957 | XXXXXX | XXXXXX | XXXXXX | No | 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 | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 3% of UPB if amt ppd in 12 mos > 20% OPB | 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 | 1004C Manuf (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Manufactured (Dbl) | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 3 | No | Present | XXXXXX | 367 | 18350.00 | 7 | 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 | 742 | 776 | 745 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 731 | 744 | 717 | XXXXXX | XXXXXX | XXXXXX | 731 | XXXXXX | XXXXXX | 36.14 | 46.3 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0.08 | 0.08 | Fully Amortized | 7.250 | XXXXXX | 36.14 | 46.3 | 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 |
| 155644 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | 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 | Detached PUD | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 3 | No | Present | XXXXXX | 373 | 71219.00 | 11 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 734 | 792 | 782 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 750 | 801 | 722 | XXXXXX | XXXXXX | XXXXXX | 750 | XXXXXX | XXXXXX | 5.13 | 28.77 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 44.39 | 44.39 | Fully Amortized | 6.750 | XXXXXX | 5.13 | 28.77 | 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 |
| 318685 | XXXXXX | XXXXXX | XXXXXX | Yes | 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 | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | 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 | Low Rise Condo (1-4) | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 185 | 25000.00 | 4 | (No Data) | (No Data) | (No Data) | 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 | 755 | 721 | 744 | XXXXXX | XXXXXX | XXXXXX | 744 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 17.52 | 17.52 | Fully Amortized | 8.250 | XXXXXX | 0 | 0 | DSCR | 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 |
| 638959 | XXXXXX | XXXXXX | XXXXXX | No | 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 | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 3% of UPB if amt ppd in 12 mos > 20% OPB | 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 | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | High Rise Condo (9+) | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 5 | No | Present | XXXXXX | 114 | 40000.00 | 8 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 754 | 714 | 750 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 798 | 779 | 790 | XXXXXX | XXXXXX | XXXXXX | 790 | XXXXXX | XXXXXX | 22.43 | 33.02 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 3.03 | 3.03 | Fully Amortized | 6.500 | XXXXXX | 22.43 | 33.02 | Full Doc | No | (No Data) | (No Data) | Present | XXXXXX | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A |
| 482730 | 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 | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of UPB if amt prepd in 12 mos is >20% of OPB | 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 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 136 | 5000.00 | 1 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 805 | 727 | 793 | 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 | XXXXXX | XXXXXX | 793 | XXXXXX | XXXXXX | 21.04 | 42.77 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2.54 | 2.54 | Fully Amortized | 7.500 | XXXXXX | 21.04 | 42.77 | 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 B | A B | A |
| 681352 | XXXXXX | XXXXXX | XXXXXX | No | 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 | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5%, 4%, 3%, 2%, 1% UPB if amt ppd in 12 mos > 20% OPB | 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 | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Short Form Limited Final | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 3 | No | Present | XXXXXX | 213 | 17500.00 | 10 | 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 | 699 | 747 | 718 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 737 | 718 | 703 | XXXXXX | XXXXXX | XXXXXX | 718 | XXXXXX | XXXXXX | 0 | 41.57 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | 7.125 | XXXXXX | 0 | 41.57 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt B | A B | A |
| 486732 | 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 Interest Only | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 300 | No | (No Data) | Yes | 60 | No | (No Data) | (No Data) | 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 | Attached PUD | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 204 | 32000.00 | 2 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 773 | 780 | 753 | 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 | XXXXXX | XXXXXX | 773 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 101.67 | 91.59 | Fully Amortized | 6.875 | XXXXXX | 0 | 0 | DSCR | 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 | A | A |
| 576345 | XXXXXX | XXXXXX | XXXXXX | No | 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 | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 3% of UPB if amt prepd >20% of OPB | 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 | Low Rise Condo (1-4) | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 60 | 25000.00 | 5 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 807 | 818 | 806 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 807 | 807 | 787 | XXXXXX | XXXXXX | XXXXXX | 807 | XXXXXX | XXXXXX | 14.58 | 23.68 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 3.64 | 3.64 | Fully Amortized | 6.875 | XXXXXX | 14.58 | 23.68 | Full Doc | 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 C | A | A |
| 332446 | XXXXXX | XXXXXX | XXXXXX | Yes | 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 | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 3% 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 | Vacant | As-Is | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 184 | 15200.00 | 6 | (No Data) | (No Data) | (No Data) | 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 | 781 | 754 | 800 | XXXXXX | XXXXXX | XXXXXX | 781 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 29.15 | 29.15 | Fully Amortized | 8.125 | XXXXXX | 0 | 0 | DSCR | 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 |
| 855093 | 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 | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | 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 | Vacant | As-Is | XXXXXX | Full Appraisal | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 324 | 54500.00 | 4 | (No Data) | (No Data) | (No Data) | 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 | Not Applicable | 764 | 757 | XXXXXX | XXXXXX | XXXXXX | 757 | XXXXXX | XXXXXX | 3.7 | 13.05 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 111.04 | 111.04 | Fully Amortized | 6.999 | XXXXXX | 3.7 | 13.05 | 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 B | N/A B | N/A |
| 379406 | XXXXXX | XXXXXX | XXXXXX | Yes | 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 | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of amt prepd in 12 mos >20% of OPB | 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 | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 3 Family | 3 | XXXXXX | Urban | Tenant | As-Is | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 57 | 20000.00 | 12 | (No Data) | (No Data) | (No Data) | 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 | 778 | 733 | 735 | XXXXXX | XXXXXX | XXXXXX | 735 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | 6.750 | XXXXXX | 0 | 0 | DSCR | 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 D | N/A | N/A |
| 105661 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | 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 | Detached PUD | 1 | XXXXXX | Suburban | Vacant | Subject to Completion(cert in file) | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 199 | 47000.00 | 21 | (No Data) | (No Data) | (No Data) | 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 | 783 | 782 | 754 | XXXXXX | XXXXXX | XXXXXX | 784 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 33.9 | 33.90 | Fully Amortized | 7.500 | XXXXXX | 0 | 0 | DSCR | 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 | N/A | N/A |
| 656334 | XXXXXX | XXXXXX | XXXXXX | Yes | 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 | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd in 12 mos >20% of OPB | 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 | Vacant | As-Is | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 142 | 20000.00 | 2 | (No Data) | (No Data) | (No Data) | 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 | 742 | 745 | 737 | XXXXXX | XXXXXX | XXXXXX | 742 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2.63 | 2.63 | Fully Amortized | 7.125 | XXXXXX | 0 | 0 | DSCR | 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 |
| 105068 | 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 | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of UPB if amt prepd in 12 mos is >20% of OPB | 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 | 3 Family | 3 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 4 | No | Present | XXXXXX | 332 | 20000.00 | 21 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 783 | 772 | 790 | 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 | XXXXXX | XXXXXX | 783 | XXXXXX | XXXXXX | 2.51 | 4.11 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 5.91 | 5.91 | Fully Amortized | 6.500 | XXXXXX | 2.51 | 4.11 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A |
| 741830 | XXXXXX | XXXXXX | XXXXXX | Yes | 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 | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | 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 | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 289 | 13500.00 | 13 | (No Data) | (No Data) | (No Data) | 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 | 604 | 598 | 636 | XXXXXX | XXXXXX | XXXXXX | 604 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | 12.875 | XXXXXX | 0 | 0 | DSCR | 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 |
| 775169 | XXXXXX | XXXXXX | XXXXXX | Yes | 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 | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 24 | 3%, 2% of amt prepd in year 1,2 | 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 | 1004C Manuf (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Manufactured (Dbl) | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 23 | 0.00 | 3 | (No Data) | (No Data) | (No Data) | 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 | 718 | 709 | 703 | XXXXXX | XXXXXX | XXXXXX | 709 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | 8.125 | XXXXXX | 0 | 0 | DSCR | 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 |
| 389996 | XXXXXX | XXXXXX | XXXXXX | Yes | 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 | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 24 | 3%, 2% of amt prepd in year 1,2 | 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 | 1004C Manuf (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Manufactured (Dbl) | 1 | XXXXXX | Rural | Tenant | As-Is | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 139 | 5500.00 | 13 | (No Data) | (No Data) | (No Data) | 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 | 718 | 709 | 703 | XXXXXX | XXXXXX | XXXXXX | 709 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | 8.875 | XXXXXX | 0 | 0 | DSCR | 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 D | N/A | N/A |
| 205610 | XXXXXX | XXXXXX | XXXXXX | Yes | 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 | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of amt prepd in 12 mos >20% of OPB | 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 | Urban | Vacant | As-Is | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 154 | 20100.00 | 15 | (No Data) | (No Data) | (No Data) | 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 | 659 | 634 | 677 | XXXXXX | XXXXXX | XXXXXX | 659 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 8.81 | 8.81 | Fully Amortized | 8.875 | XXXXXX | 0 | 0 | DSCR | 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 |
| 377340 | 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 | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of UPB if amt prepd in 12 mos is >20% of OPB | 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 | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2 Family | 2 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 102 | 22000.00 | 11 | 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 | 704 | 696 | 750 | 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 | XXXXXX | XXXXXX | 704 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | 6.625 | XXXXXX | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A |
| 246848 | 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 | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of UPB if amt prepd in 12 mos is >20% of OPB | 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 | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2 Family | 2 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 102 | 22000.00 | 6 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 704 | 696 | 750 | 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 | XXXXXX | XXXXXX | 704 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | 6.750 | XXXXXX | 0 | 0 | DSCR | 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 |
| 137416 | 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 | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of UPB if amt prepd in 12 mos is >20% of OPB | 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 | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 142 | 23000.00 | 5 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 724 | 726 | 743 | 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 | XXXXXX | XXXXXX | 726 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | 6.625 | XXXXXX | 0 | 0 | DSCR | 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 |
| 367885 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed Interest Only | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 300 | No | (No Data) | Yes | 60 | No | (No Data) | (No Data) | 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 | Vacant | As-Is | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 100 | 27850.00 | 7 | (No Data) | (No Data) | (No Data) | 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 | 609 | 652 | 619 | XXXXXX | XXXXXX | XXXXXX | 721 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 3.34 | 3.34 | Fully Amortized | 7.375 | XXXXXX | 0 | 0 | DSCR | 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 |
| 677560 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | 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 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 173 | 31600.00 | 14 | (No Data) | (No Data) | (No Data) | 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 | 714 | 719 | 716 | XXXXXX | XXXXXX | XXXXXX | 790 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0.7 | 0.70 | Fully Amortized | 6.750 | XXXXXX | 0 | 0 | DSCR | 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 |
| 820262 | 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 | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | 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 | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 215 | 45191.00 | 9 | (No Data) | (No Data) | (No Data) | 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 | 763 | 767 | 801 | XXXXXX | XXXXXX | XXXXXX | 767 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | 7.375 | XXXXXX | 0 | 0 | DSCR | 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 |
| 106384 | 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 | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of UPB if amt prepd in 12 mos is >20% of OPB | 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 | Attached PUD | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 36 | 17700.00 | 3 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 761 | 740 | 713 | 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 | XXXXXX | XXXXXX | 740 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20.22 | 20.22 | Fully Amortized | 7.375 | XXXXXX | 0 | 0 | DSCR | 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 B | A B | A |
| 997760 | XXXXXX | XXXXXX | XXXXXX | Yes | 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 | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of amt prepd in 12 mos >20% of OPB | 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 | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 177 | 13000.00 | 12 | (No Data) | (No Data) | (No Data) | 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 | 688 | 745 | 751 | XXXXXX | XXXXXX | XXXXXX | 745 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | 8.375 | XXXXXX | 0 | 0 | DSCR | 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 |
| 862417 | 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 | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of UPB if amt prepd in 12 mos is >20% of OPB | 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 | Detached PUD | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Not Applicable | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 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 | 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 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 64.61 | 64.61 | Fully Amortized | 6.750 | XXXXXX | 0 | 0 | DSCR | 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 C | A B | A |
| 486139 | XXXXXX | XXXXXX | XXXXXX | No | 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 | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 3% of UPB if amt ppd in 12 mos > 20% OPB | 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 | Detached PUD | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 72 | 26500.00 | 5 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 765 | 771 | 773 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 782 | 785 | 773 | XXXXXX | XXXXXX | XXXXXX | 782 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 46.21 | 46.21 | Fully Amortized | 6.625 | XXXXXX | 0 | 0 | DSCR | 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 |
| 159536 | 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 | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 3% of UPB if amt ppd in 12 mos > 20% OPB | 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 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Not Applicable | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 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 | 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 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0.01 | 0.01 | Fully Amortized | 6.750 | XXXXXX | 0 | 0 | DSCR | 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 |
| 991679 | 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 | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of UPB if amt prepd in 12 mos is >20% of OPB | 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 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Not Applicable | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 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 | 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 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2.39 | 2.39 | Fully Amortized | 8.999 | XXXXXX | 0 | 0 | DSCR | 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 |
| 303575 | XXXXXX | XXXXXX | XXXXXX | No | 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 | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 3% of UPB if amt ppd in 12 mos > 20% OPB | 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 | 1004C Manuf (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Manufactured (Dbl) | 1 | XXXXXX | Suburban | Owner | Subject to Completion(cert in file) | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 94 | 22000.00 | 4 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 793 | 779 | 797 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 787 | 787 | 808 | XXXXXX | XXXXXX | XXXXXX | 793 | XXXXXX | XXXXXX | 31 | 46.92 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 410.51 | 410.51 | Fully Amortized | 7.999 | XXXXXX | 31 | 46.92 | 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 |
| 616003 | 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 | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | 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 | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 3 Family | 3 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | Full Appraisal | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 112 | 16700.00 | 11 | (No Data) | (No Data) | (No Data) | 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 | 770 | 759 | 783 | XXXXXX | XXXXXX | XXXXXX | 778 | XXXXXX | XXXXXX | 6.33 | 23.94 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 3.41 | 3.41 | Fully Amortized | 7.999 | XXXXXX | 6.33 | 23.94 | 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 C | N/A B | N/A |
| 580300 | 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 | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 3% of UPB if amt prepd >20% of OPB | 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 | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 74 | 6076.00 | 4 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 640 | 607 | 601 | 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 | XXXXXX | XXXXXX | 607 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | 11.999 | XXXXXX | 0 | 0 | DSCR | 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 |
| 152123 | 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 | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 3% of UPB if amt ppd in 12 mos > 20% OPB | 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 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Final Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 4 | No | Present | XXXXXX | 149 | 11895.00 | 5 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 637 | 658 | 640 | 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 | XXXXXX | XXXXXX | 640 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 54.38 | 54.38 | Fully Amortized | 11.125 | XXXXXX | 0 | 0 | DSCR | 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 |
| 761623 | 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 | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of UPB if amt prepd in 12 mos is >20% of OPB | 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 | Urban | Tenant | As-Is | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 21 | 6000.00 | 4 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 741 | 666 | 628 | 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 | XXXXXX | XXXXXX | 666 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 74.83 | 74.83 | Fully Amortized | 10.500 | XXXXXX | 0 | 0 | DSCR | 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 |
| 874333 | XXXXXX | XXXXXX | XXXXXX | Yes | 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 | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | 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 | Retail | 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 | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2 Family | 2 | XXXXXX | Urban | Tenant | Subject to Completion(cert in file) | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 2 | 0.00 | 3 | 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 | 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 | 652 | 607 | 622 | XXXXXX | XXXXXX | XXXXXX | 622 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | 11.999 | XXXXXX | 0 | 0 | DSCR | 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 |
| 305956 | 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 | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of UPB if amt prepd in 12 mos is >20% of OPB | 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 | Urban | Vacant | As-Is | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 21 | 6000.00 | 4 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 741 | 666 | 628 | 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 | XXXXXX | XXXXXX | 666 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 115.42 | 115.42 | Fully Amortized | 8.999 | XXXXXX | 0 | 0 | DSCR | 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 |
| 724400 | 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 | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 3% of UPB if amt ppd in 12 mos > 20% OPB | 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 | Vacant | As-Is | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 390 | 48400.00 | 4 | 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 | 649 | 661 | 677 | 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 | XXXXXX | XXXXXX | 661 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 89.17 | 89.17 | Fully Amortized | 6.875 | XXXXXX | 0 | 0 | DSCR | 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 B | A B | A |
| 366419 | 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 | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of UPB if amt prepd in 12 mos is >20% of OPB | 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 | Vacant | Subject to Completion(cert in file) | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 4 | No | Present | XXXXXX | 176 | 20000.00 | 21 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 650 | 628 | 642 | 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 | XXXXXX | XXXXXX | 642 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 8.27 | 8.27 | Fully Amortized | 11.875 | XXXXXX | 0 | 0 | DSCR | 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 |
| 267578 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed Interest Only | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 300 | No | (No Data) | Yes | 60 | Yes | 60 | 5% of amt prepd in 12 mos >20% of OPB | 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 | Urban | Tenant | As-Is | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Final Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 94 | 30000.00 | 4 | (No Data) | (No Data) | (No Data) | 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 | 725 | 756 | 737 | XXXXXX | XXXXXX | XXXXXX | 737 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 6.41 | 6.41 | Fully Amortized | 6.999 | XXXXXX | 0 | 0 | DSCR | 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 | N/A B | N/A |
| 888919 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed Interest Only | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 300 | No | (No Data) | Yes | 60 | Yes | 12 | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | 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 | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 85 | 110118.00 | 2 | (No Data) | (No Data) | (No Data) | 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 | 772 | 733 | 775 | XXXXXX | XXXXXX | XXXXXX | 772 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 23.29 | 23.29 | Fully Amortized | 6.625 | XXXXXX | 0 | 0 | DSCR | 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 D | N/A | N/A |
| 920463 | 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 | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 3% of UPB if amt ppd in 12 mos > 20% OPB | 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 | Detached PUD | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 383 | 14500.00 | 4 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 724 | 721 | 720 | 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 | XXXXXX | XXXXXX | 721 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 23.72 | 23.72 | Fully Amortized | 6.875 | XXXXXX | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A |
| 578498 | 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 | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of UPB if amt prepd in 12 mos is >20% of OPB | 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 | Detached PUD | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 27 | 2000.00 | 7 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 742 | 748 | 707 | 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 | XXXXXX | XXXXXX | 742 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 7.19 | 7.19 | Fully Amortized | 6.500 | XXXXXX | 0 | 0 | DSCR | 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 B | A B | A |
| 965463 | XXXXXX | XXXXXX | XXXXXX | No | 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 | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | 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 | Vacant | As-Is | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 4 | No | Present | XXXXXX | 259 | 22500.00 | 11 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 793 | 790 | 772 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 796 | 786 | 801 | XXXXXX | XXXXXX | XXXXXX | 796 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 8.87 | 8.87 | Fully Amortized | 6.875 | XXXXXX | 0 | 0 | DSCR | 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 |
| 982533 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd in 12 mos >20% of OPB | 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 | Condotel | 1 | XXXXXX | Urban | Vacant | As-Is | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 350 | 55000.00 | 11 | (No Data) | (No Data) | (No Data) | 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 | 746 | 772 | 786 | XXXXXX | XXXXXX | XXXXXX | 771 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 89.1 | 89.10 | Fully Amortized | 6.625 | XXXXXX | 0 | 0 | DSCR | 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 B | N/A B | N/A |
| 448630 | 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 | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of UPB if amt prepd in 12 mos is >20% of OPB | 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 | Detached PUD | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 89 | 5500.00 | 2 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 744 | 760 | 730 | 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 | XXXXXX | XXXXXX | 744 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | 7.375 | XXXXXX | 0 | 0 | DSCR | 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 |
| 846795 | XXXXXX | XXXXXX | XXXXXX | No | 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 | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 24 | 3% of UPB if amt prepd >20% of OPB | 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 | Vacant | As-Is | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 3 | No | Present | XXXXXX | 192 | 14500.00 | 15 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 732 | 749 | 751 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | 721 | 739 | XXXXXX | XXXXXX | XXXXXX | 721 | XXXXXX | XXXXXX | 13.91 | 30.95 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 5.84 | 5.84 | Fully Amortized | 7.875 | XXXXXX | 13.91 | 30.95 | Full Doc | 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 |
| 399010 | 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 | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of UPB if amt prepd in 12 mos is >20% of OPB | 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 | Urban | Vacant | As-Is | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 177 | 46000.00 | 6 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 760 | 770 | 748 | 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 | XXXXXX | XXXXXX | 760 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 9.12 | 9.12 | Fully Amortized | 6.500 | XXXXXX | 0 | 0 | DSCR | 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 |
| 153611 | XXXXXX | XXXXXX | XXXXXX | No | 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 | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd in 12 mos >20% of OPB | 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 | Detached PUD | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 4 | No | Present | XXXXXX | 417 | 25000.00 | 5 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 793 | 788 | 798 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 797 | 783 | 799 | XXXXXX | XXXXXX | XXXXXX | 793 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | 6.999 | XXXXXX | 0 | 0 | DSCR | 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 |
| 755360 | 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 Interest Only | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 300 | No | (No Data) | Yes | 60 | Yes | 36 | 5% of UPB if amt prepd in 12 mos is >20% of OPB | 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 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 37 | 18900.00 | 12 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 714 | 712 | 743 | 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 | XXXXXX | XXXXXX | 714 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 5.62 | 5.62 | I/O Amount | 7.125 | XXXXXX | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A |
| 888049 | XXXXXX | XXXXXX | XXXXXX | No | 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 | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | 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 | 1004C Manuf (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Manufactured (Dbl) | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 274 | 27500.00 | 7 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 738 | 728 | 757 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 763 | 769 | 763 | XXXXXX | XXXXXX | XXXXXX | 763 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | 7.375 | XXXXXX | 0 | 0 | DSCR | 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 | A | A |
| 424587 | XXXXXX | XXXXXX | XXXXXX | No | 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 | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of UPB if amt prepd in 12 mos is >20% of OPB | 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 | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Not Applicable | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 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 | 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 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | 6.875 | XXXXXX | 0 | 0 | DSCR | 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 |
| 283237 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed Interest Only | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 300 | No | (No Data) | Yes | 60 | Yes | 12 | 3% of Amt PPPD if Amt PPD > 20% of OPB | 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 | Urban | Vacant | As-Is | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 227 | 40235.00 | 7 | (No Data) | (No Data) | (No Data) | 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 | 715 | 731 | 733 | XXXXXX | XXXXXX | XXXXXX | 731 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | 7.999 | XXXXXX | 0 | 0 | DSCR | 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 |
| 526601 | XXXXXX | XXXXXX | XXXXXX | Yes | 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 | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of amt prepd in 12 mos >20% of OPB | 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 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 163 | 10000.00 | 10 | (No Data) | (No Data) | (No Data) | 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 | 740 | 761 | 762 | XXXXXX | XXXXXX | XXXXXX | 761 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20.57 | 20.57 | Fully Amortized | 6.500 | XXXXXX | 0 | 0 | DSCR | 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 D | N/A | N/A |
| 678852 | XXXXXX | XXXXXX | XXXXXX | Yes | 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 | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 24 | 3%, 2% of amt prepd in year 1,2 | 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 | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 72 | 6100.00 | 2 | (No Data) | (No Data) | (No Data) | 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 | 753 | 771 | 739 | XXXXXX | XXXXXX | XXXXXX | 753 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 61.83 | 61.83 | Fully Amortized | 6.999 | XXXXXX | 0 | 0 | DSCR | 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 |
| 612085 | 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 | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | 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 | Vacant | As-Is | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Short Form Limited Final | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 93 | 8500.00 | 7 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 796 | 775 | 777 | 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 | XXXXXX | XXXXXX | 777 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 7.55 | 7.55 | Fully Amortized | 9.125 | XXXXXX | 0 | 0 | DSCR | 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 |
| 927615 | 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 | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 3% of UPB if amt prepd >20% of OPB | 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 | Vacant | As-Is | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 212 | 45000.00 | 6 | (No Data) | (No Data) | (No Data) | 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 | 756 | 814 | 761 | XXXXXX | XXXXXX | XXXXXX | 761 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 45.6 | 45.60 | Fully Amortized | 7.375 | XXXXXX | 0 | 0 | DSCR | 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 |
| 341573 | XXXXXX | XXXXXX | XXXXXX | No | 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 | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of UPB if amt prepd in 12 mos is >20% of OPB | 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 | Urban | Tenant | As-Is | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Final Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 108 | 35500.00 | 11 | 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 | 658 | 685 | 640 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 715 | 674 | 720 | XXXXXX | XXXXXX | XXXXXX | 715 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 13.02 | 13.02 | Fully Amortized | 7.125 | XXXXXX | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A |
| 269499 | XXXXXX | XXXXXX | XXXXXX | Yes | 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 | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd in 12 mos >20% of OPB | 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 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 133 | 10500.00 | 6 | (No Data) | (No Data) | (No Data) | 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 | 804 | 801 | 811 | XXXXXX | XXXXXX | XXXXXX | 804 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 17.97 | 17.97 | Fully Amortized | 6.750 | XXXXXX | 0 | 0 | DSCR | 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 |
| 625529 | XXXXXX | XXXXXX | XXXXXX | Yes | 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 | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | 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 | Rural | Tenant | As-Is | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 12 | 1459.00 | 7 | (No Data) | (No Data) | (No Data) | 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 | 716 | 711 | 722 | XXXXXX | XXXXXX | XXXXXX | 716 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | 6.999 | XXXXXX | 0 | 0 | DSCR | 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 D | N/A B | N/A |
| 682455 | 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 | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of UPB if amt prepd in 12 mos is >20% of OPB | 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 | Vacant | As-Is | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 119 | 27000.00 | 2 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 800 | 783 | 744 | 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 | XXXXXX | XXXXXX | 783 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 50.42 | 50.42 | Fully Amortized | 6.875 | XXXXXX | 0 | 0 | DSCR | 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 |
| 609751 | 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 | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | 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 | High Rise Condo (9+) | 1 | XXXXXX | Urban | Vacant | As-Is | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 158 | 25000.00 | 9 | (No Data) | (No Data) | (No Data) | 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 | 793 | 796 | 788 | XXXXXX | XXXXXX | XXXXXX | 793 | XXXXXX | XXXXXX | 26.92 | 43.37 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 94.49 | 94.49 | Fully Amortized | 6.625 | XXXXXX | 26.92 | 43.37 | Full Doc | 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 D | N/A B | N/A |
| 713712 | XXXXXX | XXXXXX | XXXXXX | Yes | 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 | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | 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 | Low Rise Condo (1-4) | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 115 | 20000.00 | 16 | (No Data) | (No Data) | (No Data) | 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 | 713 | 717 | 736 | XXXXXX | XXXXXX | XXXXXX | 717 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 22.28 | 22.28 | Fully Amortized | 10.125 | XXXXXX | 0 | 0 | DSCR | 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 |
| 405728 | XXXXXX | XXXXXX | XXXXXX | Yes | 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 | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | 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 | Rural | Tenant | As-Is | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 32 | 300.00 | 5 | (No Data) | (No Data) | (No Data) | 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 | 716 | 712 | 692 | XXXXXX | XXXXXX | XXXXXX | 712 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | 7.999 | XXXXXX | 0 | 0 | DSCR | 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 |
| 781722 | 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 | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of UPB if amt prepd in 12 mos is >20% of OPB | 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 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 4 | No | Present | XXXXXX | 125 | 15500.00 | 2 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 764 | 755 | 751 | 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 | XXXXXX | XXXXXX | 755 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 26.36 | 26.36 | Fully Amortized | 6.625 | XXXXXX | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A |
| 841822 | 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 | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd in 12 mos >20% of OPB | 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 | Vacant | As-Is | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 8 | No | Present | XXXXXX | 8 | 2500.00 | 1 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 785 | 792 | 782 | 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 | XXXXXX | XXXXXX | 785 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 30.87 | 30.87 | Fully Amortized | 6.875 | XXXXXX | 0 | 0 | DSCR | 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 | A | A |
| 161399 | 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 | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | 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 | Vacant | As-Is | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 89 | 16000.00 | 14 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 730 | 701 | 713 | 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 | XXXXXX | XXXXXX | 713 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 46.18 | 46.18 | Fully Amortized | 6.875 | XXXXXX | 0 | 0 | DSCR | 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 |
| 960817 | 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 | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of UPB if amt prepd in 12 mos is >20% of OPB | 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 | Vacant | As-Is | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 77 | 21800.00 | 2 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 757 | 778 | 767 | 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 | XXXXXX | XXXXXX | 767 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 39.84 | 39.84 | Fully Amortized | 6.999 | XXXXXX | 0 | 0 | DSCR | 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 |
| 223250 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 40 Yr Fixed Interest Only | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 480 | 360 | No | (No Data) | Yes | 120 | Yes | 36 | 3% of UPB if amt ppd in 12 mos > 20% OPB | 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 | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2 Family | 2 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 363 | 31700.00 | 3 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 786 | 799 | 801 | 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 | XXXXXX | XXXXXX | 799 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | 6.500 | XXXXXX | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A |
| 656209 | 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 | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | 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 | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 24 | 15000.00 | 4 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 648 | 731 | 660 | 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 | XXXXXX | XXXXXX | 660 | XXXXXX | XXXXXX | 0.35 | 3.29 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 292.04 | 292.04 | Fully Amortized | 8.250 | XXXXXX | 0.35 | 3.29 | 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 |
| 703746 | 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 | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | 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 | Attached PUD | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 118 | 20000.00 | 10 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 774 | 782 | 782 | 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 | XXXXXX | XXXXXX | 782 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 15.1 | 15.10 | Fully Amortized | 6.750 | XXXXXX | 0 | 0 | DSCR | 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 |
| 173663 | 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 | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 24 | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | 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 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 57 | 8000.00 | 15 | (No Data) | (No Data) | (No Data) | 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 | 703 | 731 | 698 | XXXXXX | XXXXXX | XXXXXX | 703 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 76.34 | 76.34 | Fully Amortized | 7.750 | XXXXXX | 0 | 0 | DSCR | 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 |
| 792899 | 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 | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 3% of UPB if amt ppd in 12 mos > 20% OPB | 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 | Retail | 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 | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2 Family | 2 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 193 | 5115.00 | 21 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 645 | 670 | 668 | 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 | XXXXXX | XXXXXX | 668 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | 8.750 | XXXXXX | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A |
| 579444 | XXXXXX | XXXXXX | XXXXXX | Yes | 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 | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | 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 | Retail | 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 | High Rise Condo (9+) | 1 | XXXXXX | Urban | Vacant | As-Is | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 448 | 15092.00 | 14 | (No Data) | (No Data) | (No Data) | 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 | 677 | 643 | 605 | XXXXXX | XXXXXX | XXXXXX | 643 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 28.37 | 28.37 | Fully Amortized | 12.999 | XXXXXX | 0 | 0 | DSCR | 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 C | N/A B | N/A |
| 159796 | 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 | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | 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 | Retail | 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) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 207 | 20931.00 | 21 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 648 | 655 | 672 | 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 | XXXXXX | XXXXXX | 655 | XXXXXX | XXXXXX | 10.52 | 24.22 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | 10.750 | XXXXXX | 10.52 | 24.22 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors D B | D B A | A |
| 390920 | 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 | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of UPB if amt prepd in 12 mos is >20% of OPB | 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 | Retail | 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 | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 4 | No | Present | XXXXXX | 187 | 58380.00 | 7 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 658 | 728 | 677 | 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 | XXXXXX | XXXXXX | 677 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | 8.625 | XXXXXX | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A |
| 143192 | XXXXXX | XXXXXX | XXXXXX | No | 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 | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | 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 | Retail | 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) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 265 | 33300.00 | 14 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 666 | 674 | 668 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 772 | 762 | 779 | XXXXXX | XXXXXX | XXXXXX | 772 | XXXXXX | XXXXXX | 16.79 | 37.74 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 42.77 | 42.77 | Fully Amortized | 6.625 | XXXXXX | 16.79 | 37.74 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A |
| 960510 | 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 | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | 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 | Retail | 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 | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 66 | 4800.00 | 5 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 755 | 761 | 747 | 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 | XXXXXX | XXXXXX | 755 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | 6.750 | XXXXXX | 0 | 0 | DSCR | 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 B | A B | A |
| 534180 | 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 | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | 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 | Retail | 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) | Primary | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 168 | 35000.00 | 15 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 710 | 701 | 724 | 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 | XXXXXX | XXXXXX | 710 | XXXXXX | XXXXXX | 5.9 | 12.34 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 33.15 | 33.15 | Fully Amortized | 7.125 | XXXXXX | 5.9 | 12.34 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors B | A B | A |
| 316351 | 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 | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | 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 | (No Data) | 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) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | BPO | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 707 | Not Applicable | 736 | 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 | XXXXXX | XXXXXX | 707 | XXXXXX | XXXXXX | 27.58 | 34.84 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 3.1 | 3.10 | Fully Amortized | 6.875 | XXXXXX | 27.58 | 34.84 | Alt Doc/Business Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors C | C B A | B |
| 496584 | 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 | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | 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) | Second Home | Cashout Refi | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Mid Rise Condo (5-8) | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 565 | 50762.00 | 9 | 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 | 784 | 837 | 812 | 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 | XXXXXX | XXXXXX | 812 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 186.14 | 186.14 | Fully Amortized | 6.500 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors C | A B | A |
| 832444 | 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 | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | 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) | Second Home | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 184 | 35000.00 | 5 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 784 | 837 | 812 | 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 | XXXXXX | XXXXXX | 812 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 254.19 | 254.19 | Fully Amortized | 6.500 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors B | A B | A |
| 393262 | XXXXXX | XXXXXX | XXXXXX | No | 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 | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | 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) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 3 | No | Present | XXXXXX | 216 | 50000.00 | 9 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 768 | 722 | 775 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | 749 | 777 | XXXXXX | XXXXXX | XXXXXX | 749 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 76.11 | 76.11 | Fully Amortized | 8.875 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors B | B A | B |
| 143174 | 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 | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | 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) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Attached PUD | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 100 | 30000.00 | 7 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 765 | 781 | 746 | 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 | XXXXXX | XXXXXX | 765 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 22.91 | 22.91 | Fully Amortized | 8.125 | XXXXXX | 0 | 0 | Asset Depletion | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors C | C A | A |
| 475718 | XXXXXX | XXXXXX | XXXXXX | No | 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 | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | 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) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 300 | 6800.00 | 2 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 810 | 828 | 818 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 784 | 807 | 775 | XXXXXX | XXXXXX | XXXXXX | 818 | XXXXXX | XXXXXX | 38.93 | 38.93 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 24.83 | 24.83 | Fully Amortized | 7.125 | XXXXXX | 38.93 | 38.93 | Full Doc | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors C | A B | A |
| 600686 | XXXXXX | XXXXXX | XXXXXX | No | 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 | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | 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) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 3 | No | Present | XXXXXX | 196 | 21618.00 | 8 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 709 | 742 | 718 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 743 | Not Applicable | 710 | XXXXXX | XXXXXX | XXXXXX | 710 | XXXXXX | XXXXXX | 43.24 | 45.38 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 46.94 | 46.94 | Fully Amortized | 7.500 | XXXXXX | 43.24 | 45.38 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors B | B A | B |
| 206815 | XXXXXX | XXXXXX | XXXXXX | No | 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 | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | 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) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 107 | 10046.00 | 7 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 690 | 767 | 710 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 735 | 760 | 750 | XXXXXX | XXXXXX | XXXXXX | 750 | XXXXXX | XXXXXX | 47.54 | 47.54 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | 6.750 | XXXXXX | 47.54 | 47.54 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors D | D B A | B |
| 956273 | 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 | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | 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) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 46 | 33400.00 | 1 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 798 | 810 | 780 | 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 | XXXXXX | XXXXXX | 798 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 357.88 | 357.88 | Fully Amortized | 8.250 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors B | A B | A |
| 360542 | 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 | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | 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) | Second Home | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 6 | No | Present | XXXXXX | 286 | 31500.00 | 8 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 781 | 770 | 786 | 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 | XXXXXX | XXXXXX | 781 | XXXXXX | XXXXXX | 13.09 | 28.92 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 16.75 | 16.75 | Fully Amortized | 7.375 | XXXXXX | 13.09 | 28.92 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors D | A | A |
| 720717 | 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 | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | 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) | Primary | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Urban | Owner | As-Is | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 5 | No | Present | XXXXXX | 24 | 5000.00 | 4 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 641 | Not Applicable | 650 | 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 | XXXXXX | XXXXXX | 641 | XXXXXX | XXXXXX | 14.06 | 18.65 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0.02 | 0.02 | Fully Amortized | 9.375 | XXXXXX | 14.06 | 18.65 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A |
| 950678 | XXXXXX | XXXXXX | XXXXXX | No | 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 | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | 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) | Second Home | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 4 | No | Present | XXXXXX | 37 | 18000.00 | 8 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 791 | 783 | 792 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 722 | 735 | 697 | XXXXXX | XXXXXX | XXXXXX | 722 | XXXXXX | XXXXXX | 1.27 | 9.68 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 110.29 | 110.29 | Fully Amortized | 6.750 | XXXXXX | 1.27 | 9.68 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors D | A | A |
| 593663 | 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 | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | 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) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 33 | 21500.00 | 6 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 740 | 737 | 740 | 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 | XXXXXX | XXXXXX | 740 | XXXXXX | XXXXXX | 37.45 | 45.48 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 91.36 | 91.36 | Fully Amortized | 7.125 | XXXXXX | 37.45 | 45.48 | Full Doc | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A |
| 818692 | 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 | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | 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) | Primary | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 0 | 0.00 | 0 | (No Data) | (No Data) | (No Data) | 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 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | Not Applicable | XXXXXX | XXXXXX | 23.37 | 23.37 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | 6.625 | XXXXXX | 23.37 | 23.37 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors B | A B | A |
| 300038 | 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 | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | 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) | Primary | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Urban | Owner | As-Is | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 69 | 22500.00 | 6 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 723 | 742 | 738 | 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 | XXXXXX | XXXXXX | 738 | XXXXXX | XXXXXX | 46.95 | 47.7 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 16.58 | 16.58 | Fully Amortized | 7.375 | XXXXXX | 46.96 | 47.7 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A |
| 370408 | 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 | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | 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) | Second Home | Purchase | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Urban | Vacant | As-Is | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 292 | 63900.00 | 14 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 778 | 798 | 806 | 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 | XXXXXX | XXXXXX | 798 | XXXXXX | XXXXXX | 6.28 | 19.23 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 21.46 | 21.46 | Fully Amortized | 7.125 | XXXXXX | 6.28 | 19.23 | Full Doc | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors D B | A B | A |
| 976810 | 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 | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | 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) | Second Home | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 5 | No | Present | XXXXXX | 121 | 24570.00 | 9 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 792 | 776 | 756 | 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 | XXXXXX | XXXXXX | 776 | XXXXXX | XXXXXX | 3.92 | 22.47 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 22.36 | 22.36 | Fully Amortized | 6.999 | XXXXXX | 3.92 | 22.47 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors B | A B | A |
| 684613 | XXXXXX | XXXXXX | XXXXXX | No | 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 | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | 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) | Second Home | Purchase | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 71 | 26000.00 | 4 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 809 | 822 | 811 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 804 | 809 | 811 | XXXXXX | XXXXXX | XXXXXX | 809 | XXXXXX | XXXXXX | 13.24 | 40.22 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 16.73 | 16.73 | Fully Amortized | 7.625 | XXXXXX | 13.24 | 40.22 | Full Doc | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A |
| 541105 | XXXXXX | XXXXXX | XXXXXX | No | 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 | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | 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) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 385 | 18500.00 | 8 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 743 | 757 | 741 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 804 | 803 | 799 | XXXXXX | XXXXXX | XXXXXX | 743 | XXXXXX | XXXXXX | 14.81 | 49.75 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 42.15 | 42.15 | Fully Amortized | 7.375 | XXXXXX | 14.81 | 49.75 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors D | A | A |
| 428242 | 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 | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | 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) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Attached PUD | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 110 | 25246.00 | 11 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 778 | 745 | 769 | 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 | XXXXXX | XXXXXX | 769 | XXXXXX | XXXXXX | 18.95 | 45.28 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 9.27 | 9.27 | Fully Amortized | 6.875 | XXXXXX | 18.95 | 45.28 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors B | A B | A |
| 948940 | 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 | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | 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) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | High Rise Condo (9+) | 1 | XXXXXX | Urban | Vacant | As-Is | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 109 | 15000.00 | 1 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 747 | 770 | 753 | 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 | XXXXXX | XXXXXX | 753 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 126.08 | 126.08 | Fully Amortized | 6.875 | XXXXXX | 0 | 0 | Asset Depletion | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A |
| 216227 | 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 | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | 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) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 4 | No | Present | XXXXXX | 38 | 8000.00 | 11 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 741 | 747 | 698 | 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 | XXXXXX | XXXXXX | 741 | XXXXXX | XXXXXX | 29.27 | 35.3 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 41.57 | 41.57 | Fully Amortized | 6.625 | XXXXXX | 29.27 | 35.3 | Full Doc | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors C | A | A |
| 190232 | 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 | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | 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) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 98 | 9159.00 | 9 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 758 | 707 | 760 | 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 | XXXXXX | XXXXXX | 758 | XXXXXX | XXXXXX | 23.85 | 40.98 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2.19 | 2.19 | Fully Amortized | 6.500 | XXXXXX | 23.85 | 40.98 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A |
| 357764 | XXXXXX | XXXXXX | XXXXXX | No | 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 | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | 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) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 141 | 15600.00 | 7 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 794 | 799 | 801 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 809 | 807 | 794 | XXXXXX | XXXXXX | XXXXXX | 799 | XXXXXX | XXXXXX | 27.04 | 38.07 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 33.2 | 33.20 | Fully Amortized | 7.000 | XXXXXX | 27.04 | 38.07 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A |
| 202445 | 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 | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | 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) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 3 | No | Present | XXXXXX | 235 | 22000.00 | 21 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 686 | 679 | 675 | 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 | XXXXXX | XXXXXX | 679 | XXXXXX | XXXXXX | 8.66 | 22.16 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | 7.990 | XXXXXX | 8.66 | 22.16 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors D | D A | A |
| 697186 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | 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) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004C Manuf (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Manufactured (Dbl) | 1 | XXXXXX | Rural | Owner | As-Is | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 3 | No | Present | XXXXXX | 162 | 29000.00 | 7 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 780 | 771 | 761 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 777 | 742 | 786 | XXXXXX | XXXXXX | XXXXXX | 777 | XXXXXX | XXXXXX | 10.33 | 43.4 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 3.84 | 3.84 | Fully Amortized | 7.999 | XXXXXX | 10.33 | 43.4 | Full Doc | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A |
| 623018 | XXXXXX | XXXXXX | XXXXXX | No | 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 | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | 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) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 4 | No | Present | XXXXXX | 257 | 46800.00 | 6 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 736 | 745 | 725 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 698 | 726 | 698 | XXXXXX | XXXXXX | XXXXXX | 736 | XXXXXX | XXXXXX | 22.12 | 42.36 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | 7.125 | XXXXXX | 22.12 | 42.36 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A |
| 549187 | 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 | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | 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) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 71 | 16000.00 | 5 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 764 | 744 | 741 | 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 | XXXXXX | XXXXXX | 744 | XXXXXX | XXXXXX | 30.95 | 44.67 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2.04 | 8.50 | Fully Indexed | (No Data) | XXXXXX | 30.95 | 44.67 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors D | C A | A |
| 118115 | 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 | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | 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) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 211 | 16311.00 | 12 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 749 | 611 | 736 | 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 | XXXXXX | XXXXXX | 736 | XXXXXX | XXXXXX | 19.14 | 47.6 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1.86 | 1.86 | Fully Amortized | 9.375 | XXXXXX | 19.14 | 47.6 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors C | A B | A |
| 149181 | 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 | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | 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) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 170 | 10122.00 | 1 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 788 | 791 | 781 | 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 | XXXXXX | XXXXXX | 788 | XXXXXX | XXXXXX | 52.7 | 52.7 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 44.4 | 44.40 | Fully Amortized | 6.625 | XXXXXX | 52.7 | 52.7 | Full Doc | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A |
| 300429 | 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 | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | 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) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 40 | 0.00 | 2 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 673 | 700 | 678 | 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 | XXXXXX | XXXXXX | 678 | XXXXXX | XXXXXX | 16.41 | 20.78 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | 7.625 | XXXXXX | 16.41 | 20.78 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A |
| 161174 | 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 | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | 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) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 92 | 15400.00 | 6 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 746 | 742 | 718 | 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 | XXXXXX | XXXXXX | 742 | XXXXXX | XXXXXX | 19.87 | 37.17 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 8.26 | 8.26 | Fully Amortized | 8.125 | XXXXXX | 19.87 | 37.17 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors B | A B | A |
| 892696 | 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 | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | 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) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Mid Rise Condo (5-8) | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 257 | 16500.00 | 10 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 738 | 744 | 767 | 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 | XXXXXX | XXXXXX | 744 | XXXXXX | XXXXXX | 29.48 | 42.08 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 62.72 | 62.72 | Fully Amortized | 8.999 | XXXXXX | 29.48 | 42.08 | Full Doc | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A |
| 310322 | XXXXXX | XXXXXX | XXXXXX | No | 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 | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | 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) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004C Manuf (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Manufactured (Dbl) | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 3 | No | Present | XXXXXX | 74 | 5096.00 | 16 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 658 | 597 | 661 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 705 | 699 | 700 | XXXXXX | XXXXXX | XXXXXX | 658 | XXXXXX | XXXXXX | 18.81 | 43.36 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | 10.375 | XXXXXX | 18.81 | 43.36 | Full Doc | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors B | A B | A |
| 944238 | 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 | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | 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) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Urban | Vacant | Subject to Completion(cert in file) | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 285 | 8000.00 | 8 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 756 | 765 | 790 | 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 | XXXXXX | XXXXXX | 765 | XXXXXX | XXXXXX | 41.09 | 41.09 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 5 | 5.00 | Fully Amortized | 6.750 | XXXXXX | 41.09 | 41.09 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A |
| 103191 | XXXXXX | XXXXXX | XXXXXX | No | 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 | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | 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) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Owner | Subject to Completion(cert in file) | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 6 | No | Present | XXXXXX | 150 | 20000.00 | 9 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 650 | 641 | 644 | XXXXXX | 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 | 644 | XXXXXX | XXXXXX | 8.27 | 11.38 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | 9.999 | XXXXXX | 8.27 | 11.38 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A |
| 479325 | 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 | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | 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) | Primary | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 3 | No | Present | XXXXXX | 34 | 2000.00 | 3 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 736 | 747 | 739 | 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 | XXXXXX | XXXXXX | 739 | XXXXXX | XXXXXX | 32.65 | 37.97 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 4.91 | 4.91 | Fully Amortized | 6.625 | XXXXXX | 32.65 | 37.97 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A |
| 248296 | 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 | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | 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) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 56 | 24000.00 | 5 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 771 | 777 | 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 | XXXXXX | XXXXXX | 771 | XXXXXX | XXXXXX | 19.08 | 27.9 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 16.31 | 16.31 | Fully Amortized | 7.875 | XXXXXX | 19.08 | 27.9 | Full Doc | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A |
| 223083 | XXXXXX | XXXXXX | XXXXXX | No | 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 | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | 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) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 3 | No | Present | XXXXXX | 50 | 19000.00 | 14 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 729 | 720 | 724 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 738 | 754 | 731 | XXXXXX | XXXXXX | XXXXXX | 724 | XXXXXX | XXXXXX | 27.91 | 39.8 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 26.76 | 26.76 | Fully Amortized | 6.875 | XXXXXX | 27.91 | 39.8 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors D | A B | A |
| 777587 | XXXXXX | XXXXXX | XXXXXX | No | 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 | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | 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) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 28 | 9000.00 | 1 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 703 | 753 | 715 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 713 | 757 | 662 | XXXXXX | XXXXXX | XXXXXX | 715 | XXXXXX | XXXXXX | 40.05 | 40.62 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 14.13 | 14.13 | Fully Amortized | 8.625 | XXXXXX | 40.05 | 40.62 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A |
| 665685 | XXXXXX | XXXXXX | XXXXXX | No | 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 | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | 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) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | Not Applicable | Not Applicable | 0 | (No Data) | (No Data) | (No Data) | 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 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | Not Applicable | XXXXXX | XXXXXX | 31.09 | 31.09 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | 6.750 | XXXXXX | 31.09 | 31.09 | Full Doc | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors B | A B | A |
| 279657 | XXXXXX | XXXXXX | XXXXXX | No | 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 | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | 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) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 5 | No | Present | XXXXXX | 109 | 17500.00 | 11 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 707 | 712 | 707 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 800 | 785 | 799 | XXXXXX | XXXXXX | XXXXXX | 707 | XXXXXX | XXXXXX | 33.5 | 47.53 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 10.22 | 10.22 | Fully Amortized | 7.250 | XXXXXX | 33.5 | 47.53 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A |
| 963848 | 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 | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | 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) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 149 | 28000.00 | 7 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 763 | 736 | 693 | 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 | XXXXXX | XXXXXX | 736 | XXXXXX | XXXXXX | 30.88 | 47.61 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 27.45 | 27.45 | Fully Amortized | 6.375 | XXXXXX | 30.88 | 47.61 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A |
| 334229 | 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 | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | 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) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 5 | No | Present | XXXXXX | 43 | 4000.00 | 3 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 672 | 715 | 722 | 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 | XXXXXX | XXXXXX | 715 | XXXXXX | XXXXXX | 28.85 | 29.03 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 16.76 | 16.76 | Fully Amortized | 8.625 | XXXXXX | 28.85 | 29.03 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A |
| 159079 | XXXXXX | XXXXXX | XXXXXX | No | 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 | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | 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) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 42 | 15500.00 | 2 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 780 | 779 | 769 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 722 | 746 | 760 | XXXXXX | XXXXXX | XXXXXX | 779 | XXXXXX | XXXXXX | 35.54 | 42.82 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 84.73 | 84.73 | Fully Amortized | 6.625 | XXXXXX | 35.54 | 42.82 | Full Doc | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A |
| 421798 | 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 | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | 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) | Primary | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 47 | 6400.00 | 7 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 643 | 679 | 689 | 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 | XXXXXX | XXXXXX | 679 | XXXXXX | XXXXXX | 19.34 | 46.99 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 14.84 | 14.84 | Fully Amortized | 7.999 | XXXXXX | 19.34 | 46.99 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors B | B A | B |
| 797817 | 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 | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | 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) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 400 | 21500.00 | 6 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 714 | 745 | 745 | 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 | XXXXXX | XXXXXX | 745 | XXXXXX | XXXXXX | 31.06 | 37.14 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 123.28 | 123.28 | Fully Amortized | 7.250 | XXXXXX | 31.06 | 37.14 | Full Doc | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A |
| 844924 | 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 | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | 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) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Urban | Owner | As-Is | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 3 | No | Present | XXXXXX | 29 | 16000.00 | 6 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 714 | 715 | 739 | 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 | XXXXXX | XXXXXX | 715 | XXXXXX | XXXXXX | 22.67 | 30.34 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 11.13 | 11.13 | Fully Amortized | 8.625 | XXXXXX | 22.67 | 30.34 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A |
| 374555 | XXXXXX | XXXXXX | XXXXXX | No | 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 | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | 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) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 9 | 16000.00 | 9 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 765 | 762 | 770 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 775 | 793 | 783 | XXXXXX | XXXXXX | XXXXXX | 765 | XXXXXX | XXXXXX | 36.83 | 48.49 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 9.6 | 9.60 | Fully Amortized | 7.250 | XXXXXX | 36.83 | 48.49 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A |
| 300235 | 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 | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | 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) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 123 | 24500.00 | 7 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 791 | 809 | 796 | 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 | XXXXXX | XXXXXX | 796 | XXXXXX | XXXXXX | 45.81 | 46.54 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 30.91 | 30.91 | Fully Amortized | 8.125 | XXXXXX | 45.81 | 46.54 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A |
| 275024 | 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 | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | 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) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 231 | 20300.00 | 7 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 787 | 772 | 791 | 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 | XXXXXX | XXXXXX | 787 | XXXXXX | XXXXXX | 49.75 | 49.75 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 72.1 | 72.10 | Fully Amortized | 6.750 | XXXXXX | 49.75 | 49.75 | Full Doc | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors C | C A | A |
| 113544 | 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 | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | 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) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 3 | No | Present | XXXXXX | 236 | 35000.00 | 4 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 724 | 728 | 739 | 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 | XXXXXX | XXXXXX | 728 | XXXXXX | XXXXXX | 3.99 | 5.11 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 31.82 | 31.82 | Fully Amortized | 7.875 | XXXXXX | 3.99 | 5.11 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A |
| 100040 | XXXXXX | XXXXXX | XXXXXX | No | 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 | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | 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) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 122 | 27000.00 | 20 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 666 | 685 | 643 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 727 | 718 | 705 | XXXXXX | XXXXXX | XXXXXX | 666 | XXXXXX | XXXXXX | 30.52 | 43.99 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | 8.625 | XXXXXX | 30.52 | 43.99 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A |
| 501376 | 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 | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | 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) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | High Rise Condo (9+) | 1 | XXXXXX | Urban | Vacant | As-Is | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 19 | 3000.00 | 1 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 714 | 739 | 709 | 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 | XXXXXX | XXXXXX | 714 | XXXXXX | XXXXXX | 16.06 | 16.22 | XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 8.56 | 8.56 | Fully Amortized | 6.750 | XXXXXX | 16.06 | 16.22 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A |

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| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **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** | **Appraiser First Name** | **Appraiser Last Name** | **Appraiser Certification/License #** |
| 859342 A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 151730 B A | N/A B | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 275940 B A | N/A B | N/A | DSCR - w/lease agreement - 0 months | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 326352 B A | N/A B | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 775559 C A | N/A B | N/A | DSCR - w/lease agreement - 0 months | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 159756 A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 594454 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) | XXXXXX | XXXXXX | XXXXXX |
| 404836 C A | A B | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 492134 A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 901184 A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 817528 A | N/A | N/A | DSCR - w/lease agreement - 0 months | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 165544 C A | N/A | N/A | DSCR - w/lease agreement - 0 months | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 279719 B A | N/A B | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 356396 C A | N/A B | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 894768 B | A B | A | Offer Letter - 1 months;<br> Paystub - 1 months;<br> W2 - 12 months | Award Letter - 1 months;<br> Business Bank Statements - 12 months;<br> CPA Letter without Income - 24 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 301771 B A | A B | A | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 305390 A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 650203 A | N/A | N/A | Business Bank Statements - 12 months | Business Bank Statements - 12 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 140893 A | N/A | N/A | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 132 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 958604 A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 413704 A | A | A | Business Bank Statements - 12 months;<br> CPA Letter - 48 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 182678 A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 985111 A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 144813 D A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 936237 A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 900547 B A | A B | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 700625 A | N/A | N/A | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 24 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 243661 A | A | A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 245027 A | A | A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 748452 A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 284061 A | A | A | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 916019 A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 895392 A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 715222 A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 570967 A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 152701 A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 560426 C A | A B | A | Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> Verbal VOE with Income - 16 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 654368 A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 624354 A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 646232 A | N/A | N/A | DSCR - w/lease agreement - 0 months | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 228556 D A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 413405 A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 979638 A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 899695 A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 986957 A | A | A | Paystub - 1 months;<br> W2 - 12 months | Paystub - 1 months;<br> W2 - 12 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 155644 A | A | A | (No Data) | CPA Letter without Income - 240 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 318685 A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 638959 A | A | A | Paystub - 1 months;<br> W2 - 12 months;<br> Written VOE - 12 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 12 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 482730 B A | A B | A | Business Bank Statements - 12 months;<br> CPA Letter without Income - 120 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 681352 B A | A B | A | CPA Letter without Income - 36 months;<br> P & L - 19 months;<br> Personal Bank Statements - 0 months | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 486732 D A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 576345 C A | A | A | Paystub - 1 months;<br> W2 - 24 months | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 332446 A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 855093 B A | N/A B | N/A | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 108 months | Business Bank Statements - 12 months;<br> CPA Letter - 108 months | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 379406 D A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 105661 A | N/A | N/A | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 656334 A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 105068 A | A | A | Business Bank Statements - 12 months;<br> CPA Letter - 60 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 741830 A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 775169 A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 389996 D A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 205610 A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 377340 A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 246848 A | A | A | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 137416 A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 367885 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) | XXXXXX | XXXXXX | XXXXXX |
| 677560 A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | XXXXXX | XXXXXX | XXXXXX |
| 820262 A | N/A | N/A | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 106384 B A | A B | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 997760 A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 862417 C A | A B | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 486139 A | A | A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 159536 A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 991679 A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 303575 A | A | A | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 616003 C A | N/A B | N/A | (No Data) | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 36 months | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 580300 A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 152123 A | A | A | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 761623 A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 874333 A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 305956 A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 724400 B A | A B | A | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 366419 A | A | A | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 267578 D A | N/A B | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 888919 D A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 920463 A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 578498 B A | A B | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 965463 A | A | A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 982533 B A | N/A B | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | XXXXXX | XXXXXX | XXXXXX |
| 448630 A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 846795 A | A | A | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 31 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 32 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 399010 A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 153611 A | A | A | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 755360 A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 888049 D A | A | A | DSCR - w/lease agreement - 0 months | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 424587 A | A | A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 283237 A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 526601 D A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 678852 A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 612085 A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 927615 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) | XXXXXX | XXXXXX | XXXXXX |
| 341573 A | A | A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 269499 A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 625529 D A | N/A B | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 682455 A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 609751 D A | N/A B | N/A | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 22 months;<br> W2 - 24 months;<br> Written VOE - 66 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 713712 A | N/A | N/A | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 405728 A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 781722 A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 841822 D A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 161399 A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 960817 A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 223250 A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 656209 A | A | A | Business Bank Statements - 12 months;<br> CPA Letter - 36 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 703746 A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 173663 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) | XXXXXX | XXXXXX | XXXXXX |
| 792899 A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 579444 C A | N/A B | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 159796 D B A | D B A | A | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 390920 A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 143192 A | A | A | Business Bank Statements - 12 months;<br> CPA Letter without Income - 24 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 29 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 960510 B A | A B | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 534180 B A | A B | A | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 316351 C A | C B A | B | CPA Letter with Income - 0 months;<br> Personal Bank Statements - 28 months;<br> Verbal VOE with Income - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 496584 C A | A B | A | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 832444 B A | A B | A | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 393262 B A | B A | B | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 143174 C A | C A | A | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 475718 C A | A B | A | Paystub - 1 months;<br> Personal Bank Statements - 3 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 600686 B A | B A | B | Business Bank Statements - 12 months;<br> CPA Letter without Income - 48 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 206815 D A | D B A | B | 1099 - 12 months | Business Bank Statements - 12 months;<br> CPA Letter - 96 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 956273 B | A B | A | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 360542 D A | A | A | Business Bank Statements - 12 months;<br> CPA Letter - 24 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 720717 A | A | A | Business Bank Statements - 12 months;<br> CPA Letter - 36 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 950678 D A | A | A | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 593663 A | A | A | Paystub - 1 months;<br> W2 - 12 months;<br> Written VOE - 5 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 818692 B A | A B | A | CPA Letter without Income - 24 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 300038 A | A | A | CPA Letter - 24 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 370408 D B | A B | A | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 976810 B A | A B | A | Business Bank Statements - 12 months;<br> CPA Letter - 24 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 684613 A | A | A | Paystub - 1 months;<br> W2 - 12 months | Paystub - 1 months;<br> W2 - 12 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 541105 D | A | A | P & L - 18 months | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 428242 B A | A B | A | CPA Letter - 48 months;<br> P & L - 19 months;<br> Personal Bank Statements - 3 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 948940 A | A | A | Personal Bank Statements - 2 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 216227 C A | A | A | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 190232 A | A | A | Business Bank Statements - 12 months;<br> CPA Letter without Income - 24 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 357764 A | A | A | Business Bank Statements - 12 months;<br> CPA Letter - 96 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 202445 D A | D A | A | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 697186 A | A | A | (No Data) | Award Letter - 12 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 623018 A | A | A | Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 549187 D A | C A | A | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 118115 C A | A B | A | CPA Letter - 84 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 149181 A | A | A | Award Letter - 12 months;<br> Personal Bank Statements - 2 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 300429 A | A | A | Business Bank Statements - 12 months;<br> CPA Letter - 24 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 161174 B A | A B | A | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 892696 A | A | A | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 31 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 310322 B A | A B | A | Paystub - 1 months;<br> Written VOE - 32 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 32 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 944238 A | A | A | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 103191 A | A | A | CPA Letter - 84 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 479325 A | A | A | Business Bank Statements - 12 months;<br> CPA Letter - 60 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 248296 A | A | A | Offer Letter - 1 months;<br> W2 - 12 months;<br> Written VOE - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 223083 D A | A B | A | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 777587 A | A | A | Business Bank Statements - 12 months;<br> CPA Letter - 24 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 665685 B A | A B | A | 1099 - 12 months | 1099 - 12 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 279657 A | A | A | Business Bank Statements - 12 months;<br> CPA Letter - 24 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 963848 A | A | A | Award Letter - 12 months;<br> Business Bank Statements - 12 months;<br> CPA Letter - 24 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 334229 A | A | A | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 159079 A | A | A | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 32 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 421798 B A | B A | B | Business Bank Statements - 12 months;<br> CPA Letter without Income - 36 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 797817 A | A | A | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 844924 A | A | A | Business Bank Statements - 12 months;<br> CPA Letter - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 374555 A | A | A | Business Bank Statements - 12 months;<br> CPA Letter - 48 months | Business Bank Statements - 12 months;<br> CPA Letter - 18 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 300235 A | A | A | Business Bank Statements - 12 months;<br> CPA Letter without Income - 24 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 275024 C A | C A | A | Paystub - 1 months;<br> Personal Tax Return - 24 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 113544 A | A | A | Business Bank Statements - 12 months;<br> CPA Letter - 228 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 100040 A | A | A | CPA Letter - 72 months;<br> P & L - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 501376 A | A | A | CPA Letter without Income - 36 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |

---

## Exhibit 99.3

**Exhibit 99.3**

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

**Overview**

Consolidated Analytics, Inc ("Consolidated Analytics"), a third-party due diligence provider, performed the review described below on newly originated mortgage loans acquired by Loan Funding Structure LLC through a bulk purchase. The review included a total of 140 newly originated residential mortgage loans, in connection with the securitization identified as BRAVO 2026-NQM1 (the "Securitization"). The Review was conducted from April 2025 through October 2025 on mortgage loans originated between March 2025 and October 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:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Consumer's current or reasonably expected income or assets (other than the value of the dwelling
that secures the loan;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o The consumer's debt obligations, alimony, child support; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o The monthly DTI or residual income.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Verification of Income and Assets:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Verification in compliance with one of the "safe harbor" guidelines will meet the QM verification
requirement. A creditor is allowed to "mix and match" provisions of the different guidelines rather than only apply one guideline
per loan.

The specific guidelines that the CFPB is designating for the safe harbor are: The GQM Rule provides that if the creditor verifies the consumer's income or assets, debt obligations, alimony, child support, and monthly DTI or residual income by meeting the standards of certain specified third-party underwriting manuals, then a creditor is presumed to have complied with the verification requirement. These specified manuals are:

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

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

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;

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

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

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. No t ice 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 r equired
parties to the transaction

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Confirm the correct Right of Rescission document was executed for the transaction
type

&nbsp;&nbsp;&nbsp;&nbsp;j. Confirm through NMLS the loan originator and o r i ginating
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 (140 loans in total):

Eighty-nine (89) loans had CU scores of 2.5 or less or were eligible for Collateral Rep and Warranty relief.

One (1) loan had an AVM, four (4) loans had a Secondary Appraisal, and ninety-two (92) loans had a Desk Review. Consolidated Analytics has independent access to the Desk Reviews ordered by the Aggregator.

If a Secondary Appraisal or Desk Review fell outside of a -10% tolerance, was inconclusive, or a PIW was present, then an additional valuation product was completed. There were zero (0) instances of this.

**Product totals may not sum due to multiple products for each loan**

**TAPE INTEGRITY REVIEW RESULTS SUMMARY** 

Of the one hundred forty (140) mortgage loans reviewed, fifty-four (54) unique mortgage loans (38.57% by loan count) had a total of eighty-six (86) discrepancies across nineteen (19) data fields. A blank or zero value on the data tape when an actual value was captured by Consolidated Analytics was not treated as a data variance.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fields Reviewed** | &nbsp;&nbsp;**Discrepancy <br> Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;Monthly Total Escrow Payment | &nbsp;&nbsp;22 | &nbsp;&nbsp;25.58% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;19 | &nbsp;&nbsp;22.09% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;13 | &nbsp;&nbsp;15.12% |
| &nbsp;&nbsp;Borrower 1 FTHB | &nbsp;&nbsp;6 | &nbsp;&nbsp;6.98% |
| &nbsp;&nbsp;Verified Doc Type | &nbsp;&nbsp;3 | &nbsp;&nbsp;3.49% |
| &nbsp;&nbsp;Borrower 1 Citizen | &nbsp;&nbsp;3 | &nbsp;&nbsp;3.49% |
| &nbsp;&nbsp;Calculated DSCR | &nbsp;&nbsp;3 | &nbsp;&nbsp;3.49% |
| &nbsp;&nbsp;Loan Type | &nbsp;&nbsp;3 | &nbsp;&nbsp;3.49% |
| &nbsp;&nbsp;Application Date | &nbsp;&nbsp;2 | &nbsp;&nbsp;2.33% |
| &nbsp;&nbsp;Qualifying Total Reserves Number of Months | &nbsp;&nbsp;2 | &nbsp;&nbsp;2.33% |
| &nbsp;&nbsp;Prepayment Penalty Calculation | &nbsp;&nbsp;2 | &nbsp;&nbsp;2.33% |
| &nbsp;&nbsp;Property Address | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.16% |
| &nbsp;&nbsp;Prepayment Penalty Total Term | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.16% |
| &nbsp;&nbsp;Originator DSCR | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.16% |
| &nbsp;&nbsp;Property Value | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.16% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.16% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.16% |
| &nbsp;&nbsp;Number of Units | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.16% |
| &nbsp;&nbsp;Prepayment Penalty Flag | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.16% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**86** | &nbsp;&nbsp;**100.00%** |

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**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 | 112 | $62464753.00 | 80.00% |
| Event Grade B | 28 | $10599400.00 | 20.00% |
| Event Grade C | 0 | $0.00 | 0% |
| Event Grade D | 0 | $0.00 | 0% |
| **Total Sample** | 140 | $73064153.00 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Credit Results:** | **Credit Results:** | |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 117 | 83.57% |
| Event Grade B | 23 | 16.43% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 140 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Compliance Results:** | **Compliance Results:** | |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 136 | 97.14% |
| Event Grade B | 4 | 2.86% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 140 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Valuation Results:** | **Valuation Results:** | |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 138 | 98.57% |
| Event Grade B | 2 | 1.43% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 140 | 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").

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| | | | |
|:---|:---|:---|:---|
| &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;78 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;All Interested Parties Not Checked with Exclusionary Lists | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Asset Qualification Does Not Meet Guideline Requirements | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower Non-US Citizen Identification Document Missing | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Fraud Report Shows Uncleared Alerts | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Housing History Does Not Meet Guideline Requirements | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 2 W2/1099 Missing | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing VOM or VOR | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Asset 4 Does Not Meet Guideline Requirements | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;The Deed of Trust is Not Executed | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Assets do not meet guideline requirements | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Income and Employment Do Not Meet Guidelines | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 1 3rd Party VOE Prior to Close Missing | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Property Title Issue | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 1 Gap Credit Report is Missing | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Third Party Fraud Report not Provided | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Purchase is not considered to be an Arm's Length Transaction | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Audited LTV Exceeds Guideline LTV | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing income documentation | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 1 CPA Letter Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Potential Fraud Reflected on Fraud Report | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 1 Deed of Trust Signature does not match Note | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Audited HCLTV Exceeds Guideline HCLTV | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;ATR: Reasonable Income or Assets Not Considered | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing Prepayment Rider | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 1 YTD Profit & Loss Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;OFAC Check Not Completed and/or Cleared | &nbsp;&nbsp;1 |

---

---

| | | |
|:---|:---|:---|
| | &nbsp;&nbsp;Borrower 2 Paystubs Missing | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;Purchase Contract is Incomplete | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;Audited CLTV Exceeds Guideline CLTV | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;The Deed of Trust is Incomplete | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;Asset 5 Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;Missing Certificate of Occupancy | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;Flood Insurance Expiration Date is before the Disbursement Date | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;Missing letter of explanation | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;Audited DTI Exceeds Guideline DTI | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;Missing Trust Agreement | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;The Final 1003 is Missing | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;Asset 2 Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;Asset 6 Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;Other Property Insurance Policy Missing | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;Audited FICO is less than Guideline FICO | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;Income 11 Months Income Verified is Missing | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;Purchase Contract is Missing | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;Income 12 Months Income Verified is Missing | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;Satisfactory Chain of Title not Provided | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;Income 2 Months Income Verified is Missing | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;Asset 7 Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;Income 3 Months Income Verified is Missing | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;The Total Hazard Coverage is LESS than the Required Coverage Amount | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;Title Document is Partially Present | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;Asset 3 Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;Approval/Underwriting Summary Partially Provided | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;Hazard Insurance Effective Date is after the Disbursement Date | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;Hazard Insurance Policy is Missing | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;***Total Credit Grade (A) Exceptions:*** | &nbsp;&nbsp;**171** |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Approval/Underwriting Summary Partially Provided | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Asset Qualification Does Not Meet Guideline Requirements | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Housing History Does Not Meet Guideline Requirements | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Audited Reserves are less than Guideline Required Reserves (Number of Months) | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Guideline Seasoning not Met | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Assets do not meet guideline requirements | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Purchase Contract is Incomplete | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Audited FICO is less than Guideline FICO | &nbsp;&nbsp;2 |

---

---

| | | | |
|:---|:---|:---|:---|
| | | &nbsp;&nbsp;Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | &nbsp;&nbsp;2 |
| | | &nbsp;&nbsp;Audited LTV Exceeds Guideline LTV | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;Audited Loan Amount is less than Guideline Minimum Loan Amount | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;Asset Documents are Incomplete | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;Missing Business Entity Formation Document | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;Delinquent Credit History Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;Purchase is not considered to be an Arm's Length Transaction | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;Excessive Seller Contributions | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;Audited CLTV Exceeds Guideline CLTV | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;Audited HCLTV Exceeds Guideline HCLTV | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;**35** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;No Compliance Findings | &nbsp;&nbsp;76 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Higher-Priced Mortgage Loan Test | &nbsp;&nbsp;25 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Initial Closing Disclosure Delivery Date Test | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;CA AB 260 Higher-Priced Mortgage Loan Test | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;NC Rate Spread Home Loan Test | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Charges That Cannot Increase Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;TILA Right of Rescission Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;The Note is Not Executed | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing Initial Escrow Disclosure | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;TRID: Missing Closing Disclosure | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;eSigned Documents Consent is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;CT Nonprime Home Loan Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;***Total Compliance Grade (A) Exceptions:*** | &nbsp;&nbsp;**115** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TILA Finance Charge Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Charges That Cannot Increase Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TILA Post-Consummation Revised Closing Disclosure Finance Charge Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Charges That In Total Cannot Increase More Than 10% Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Right of Rescission is Partially Provided | &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;133 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Property/Appraisal General | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Third Party Valuation Product Not Provided within 10% Tolerance | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;***Total Property Grade (A) Exceptions:*** | &nbsp;&nbsp;**138** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Second Appraisal is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;HOA Does Not Meet Guidelines | &nbsp;&nbsp;1 |

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| | |
|:---|:---|
| &nbsp;&nbsp;***Total Property Grade (B) Exceptions:*** | &nbsp;&nbsp;**2** |

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**Event Grade Definitions**

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

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

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

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

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## Exhibit 99.3

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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** |
| 996924 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/09/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. <br> Lender to provide the final fraud report to show the appraiser and <br> appraisal company verified as interested parties. | Client provided attached documents in response. | 06/11/2025 | All Interested Parties Checked against Exclusionary Lists; <br> Document Uploaded. | 06/13/2025 | Qualifying FICO is Greater than the Guideline Minimum - <br> Qualifying FICO of XXX is greater than Guideline minimum FICO of 660 B A |
| 996924 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/09/2025 | Acknowledged | FCRE5123 | Credit | Missing Business Entity Formation Document | The subject transaction is vested in an LLC; however, documentation to verify the status of the business is not in file. Lender to provide status documentation for XXX. |  |  | Exception is non-material and graded as level 2/B. | 06/10/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 660 B A |
| 996924 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/10/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 06/10/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 660 B A |
| 996924 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/09/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 06/10/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 660 B A |
| 911295 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/14/2025 | Acknowledged | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements The borrower is required to contribute XXX% of the purchase price: XXX A XXX gift was sent to closing. The borrowers did not meet the XXX% required contribution. Per GL's XX/XX/XXXX Limitations to Gift Funds | Uploading updated ULAW with comp factors. | 08/19/2025 | Lender exception approval provided - Ok per XXX for not meeting the required contribution. Comp factors XXX FICO, perfect mortgage history for XXX yrs, subject C3 well-maintained condition. | 08/20/2025 | C B A |
| 911295 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/14/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 08/15/2025 | C B A |
| 911295 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/15/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 08/15/2025 | C B A |
| 804673 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/26/2025 | Resolved | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements Bank checks; XXX and XXX for the earnest money and due diligence are in the file. Provide a copy of the certified escrow deposit receipts. GL's XX/XX/XXXX | Uploading earnest money receipt for both EMD's | 08/26/2025 | Asset Qualification Meets Guideline Requirements | 08/27/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of 50%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 620 A |
| 804673 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/26/2025 | Resolved | FCRE1964 | Credit | Missing income documentation | There is a CPA/Tax Preparer letter to verify the business. Provide verification of the tax preparers license from municipal, State or federal licensing boards or proof of their business existence. GL XX/XX/XXXX | Uploading tax preparer verification | 08/26/2025 | Tax preparer PTIN status document provided. | 08/27/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of 50%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 620 A |
| 804673 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/25/2025 | Resolved | finding-XXX | Compliance | NC Rate Spread Home Loan Test | This loan failed the NC rate spread home loan test. (NC GS §XXX-11F(a)(XXX) he loan is a rate spread home loan, as defined in the legislation. For more information please see the XXX Rate Spread Home Loan Article section of the full ComplianceAnalyzer report hile the XXX Rate Spread Home Loan provisions specify that lenders can legally make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy rate spread home loans even if the additional conditions are met. The loan is an HPML and meets appraisal and escrow requirements. |  |  | Compliant | 08/25/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of 50%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 620 A |
| 804673 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/26/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 08/26/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of 50%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 620 A |
| 804673 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/25/2025 | Resolved | finding-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 ##_CW_##, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an HPML and meets appraisal and escrow requirements. |  |  | Compliant | 08/25/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of 50%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 620 A |
| 927133 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/28/2025 | Resolved | finding-XXX | Compliance | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to one of the following findings:[[(12 CFR ##_DH_##(ii))]] The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. The initial CD dated XX/XX/XXXX was received by the borrower on XX/XX/XXXX which is less than XXX business days prior to consummation | Document Uploaded. LOE from borrower requesting timing waiver and management approval have been uploaded. | 09/04/2025 | Waiver of XXX days waiting period provided; Exception resolved; Waiver of XXX days waiting period provided; Exception resolved | 09/04/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of 50%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 620<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 927133 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/28/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 08/28/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of 50%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 620<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 927133 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/28/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 08/28/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of 50%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 620<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 389955 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/29/2025 | Resolved | FCOM3596 | Credit | Missing Prepayment Rider | The Loan Approval shows a XXX month XXX% pre-payment penalty. Provide a signed notarized pre-payment penalty. | Uploaded updated approval showing no PPP. | 09/12/2025 | XXX provided updated Loan Approval and ULAW with No PPP. | 09/15/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 721 D A |
| 389955 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/29/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | compliant | 08/29/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 721 D A |
| 389955 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/29/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | compliant | 08/29/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 721 D A |
| 976294 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/02/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 09/02/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 730 A |
| 976294 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/02/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 09/02/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 730 A |
| 976294 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/02/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 09/02/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 730 A |
| 953650 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/04/2025 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines The DSCR is calculated using the lessor of annual in place rent or market rent. Provide an executed Lease agreement for the subject property. GL XX/XX/XXXX | Market rent and annual in-place rent are both XXX considers this equivalent to "using the lesser of," so a lease agreement is not required in this case. | 09/09/2025 | Income and Employment Meet Guidelines | 09/10/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 600<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% A |
| 953650 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/04/2025 | Acknowledged | FCRE1183 | Credit | Approval/Underwriting Summary Partially Provided | Approval/Underwriting Summary Partially Provided. The Underwriting Loan Approval Worksheet (ULAW) dated XX/XX/XXXX has a DSCR of XXX. The property tax is XXX and the HI is XXX Provide the final ULAW. | Please acknowledge non-material finding, thank you.; Please acknowledge non-material finding, thank you. | 09/09/2025 | Acknowledged 2/B grading per client request. | 09/09/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 600<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% A |
| 953650 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/04/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 09/05/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 80%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 600<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 80% A |
| 204661 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/08/2025 | Resolved | FCRE1254 | Credit | Property Title Issue | Property Title Issue The final HUD provided is page XXX of XXX Provide page XXX of the final HUD-XXX dated XXX/XXX/XXX. | Uploading both pages of Final HUD | 09/11/2025 | Property Title Issue Resolved | 09/12/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 620<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 75%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 75% A |
| 204661 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/08/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 09/08/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 620<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 75%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 75% A |
| 204661 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/08/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 09/08/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 620<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 75%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 75% A |
| 710639 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/16/2025 | Acknowledged | FPRO1502 | Property | HOA Does Not Meet Guidelines | HOA Does Not Meet Guidelines The subject is a new condominium project. The appraisal shows XXX units in the subject phase and XXX sold. A Processor's cert shows total of XXX total Units, with XXX units sold/closed and XXX pre-sold. XXX% of the units in the subject's phase must be sold and conveyed to unit owners. HOA under developer or builder control will be considered on a case by case basis. Lender accepted HOA letter, builder to turn over HOA by XXX/XXX. Provide documentation to show XXX% of the subject's phase are sold (XXX units). GL's XX/XX/XXXX | Document Uploaded. Uploading updated ULAW with comp factors | 09/18/2025 | Lender exception approval provided - OK per SM to move forward with condo project as is. Ok per XXX for XXX% seller concessions. Comp factors XXX FICO, XXX DSCR, 60% LTV, XXX mos reserves. | 09/19/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 70%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 70% D A |
| 710639 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/16/2025 | Acknowledged | FCRE8705 | Credit | Excessive Seller Contributions | The Seller concession are limited to XXX% of the XXX. Lender exception to allow seller concessions up to XXX% Provide XXX compensating factors. | Uploading updated ULAW with comp factors | 09/18/2025 | Lender exception approval provided - Ok per XXX for XXX% seller concessions. Comp factors XXX FICO, XXX DSCR, 69.18% LTV, XXX mos reserves. | 09/19/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 70%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 70% D A |
| 710639 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/16/2025 | Resolved | FCRE1748 | Credit | Missing Certificate of Occupancy | Provide Cert of Occupancy. | Document Uploaded. Uploading CCO. | 09/17/2025 | XXX provided copy of Building Permit with inspection initials and Total payment made. Document is sufficient. | 09/18/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 70%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 70% D A |
| 137108 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/25/2025 | Resolved | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements A gift letter for XXX is in the file. Provide proof of receipt via incoming wire that matches gift letter. GL XX/XX/XXXX | Donor is borrowers' XXX who closed the sale of her home at the same Settlement Agent as our subject transaction. The Settlement Agent held the funds and applied them at closing – there was no wire. Uploading Final HUD from sale showing proceeds that were gifted. XXX allows gifts below the gift letter amount if the full gift is not necessary without an updated letter and without needing an exception. | 09/29/2025 | Asset Qualification Meets Guideline Requirements | 09/30/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of 50% A |
| 137108 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/25/2025 | Resolved | FCRE1197 | Credit | Audited FICO is less than Guideline FICO | Audited FICO of XXX is less than Guideline FICO of XXX The minimum FICO for a Rural property is XXX | XXX feels that the rural designation is not XXX and is treating this loan as suburban, so the FICO restriction is moot. | 09/29/2025 | Per pg XXX of XXX of the appraisal, the appraiser commented that comps XXX and XXX is located in the rural market of XXX. The subject property does not appear to be in a rural location.; Audited FICO of XXX is greater than or equal to Guideline FICO of XXX | 09/30/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of 50% A |
| 137108 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/25/2025 | Resolved | finding-XXX | Compliance | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation 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 ##_CS_##)The finance charge is $747, 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 | 09/25/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of 50% A |
| 137108 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/25/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 09/25/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of 50% A |
| 580091 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/26/2025 | Resolved | finding-XXX | Compliance | Initial Closing Disclosure Delivery Date Test | Documentation Required: Missing proof that the borrower received a copy of the Initial CD dated XX/XX/XXXX at least XXX days prior to consummation This loan failed the initial closing disclosure delivery date test due to one of the following findings:[[12 CFR ##_CS_##)The finance charge is $747,]] The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. | Document Uploaded. Signed initial CD has been uploaded. | 10/06/2025 | Initial CD receipt date provided; exception resolved; Initial CD receipt date provided; exception resolved | 10/07/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of 50.49%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 580091 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/26/2025 | Resolved | finding-XXX | Compliance | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation 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 ##_CS_##)The finance charge is $747, 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 | 10/07/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of 50.49%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 580091 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/29/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 09/29/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of 50.49%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 580091 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/29/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 09/29/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of 50.49%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 422526 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/26/2025 | Resolved | finding-XXX | Compliance | Initial Closing Disclosure Delivery Date Test | The initial CD does not have a signature and no documentation was found in the file to confirm the borrower received the initial CD at least XXX days prior to consummation This loan failed the initial closing disclosure delivery date test due to one of the following findings:[[12 CFR ##_CS_##)The finance charge is $747,]] The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. | Document Uploaded. Signed initial CD has been uploaded. | 10/06/2025 | Initial CD receipt date provided; Exception resolved; Initial CD receipt date provided; Exception resolved | 10/07/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of 50%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 422526 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/26/2025 | Resolved | finding-XXX | Compliance | Higher-Priced Mortgage Loan Test | HPML compliant This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation 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 ##_CS_##)The finance charge is $747, 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 | 10/07/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of 50%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 422526 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/29/2025 | Resolved | FCRE1254 | Credit | Property Title Issue | Property Title Issue The subject is vested in a business entity. Provide evidence signer is authorized to represent the business. | Uploading seller authorization. | 09/30/2025 | Property Title Issue Resolved | 10/01/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of 50%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 422526 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/29/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 09/29/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of 50%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 845330 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/29/2025 | Resolved | FCRE1183 | Credit | Approval/Underwriting Summary Partially Provided | Approval/Underwriting Summary Partially Provided. The Underwriting Loan Approval Worksheet, (ULAW) reflects property tax of XXX not XXX by the HUD or tax cert in the file. Provide final correct ULAW. |  |  | Approval/Underwriting Summary is fully present; Document Uploaded. Client provided attached updated ULAW correcting the tax payment. ; ; Acknowledged as 2/B grading per client request. | 10/02/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 640 B A |
| 845330 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/29/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 09/29/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 640 B A |
| 845330 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/29/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 09/29/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 640 B A |
| 932208 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/30/2025 | Resolved | finding-XXX | Compliance | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation 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 ##_CS_##)The finance charge is $747, 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 | 09/30/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of 50.49%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 620 A |
| 932208 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/30/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 09/30/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of 50.49%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 620 A |
| 932208 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/30/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 09/30/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of 50.49%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 620 A |
| 265105 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/01/2025 | Resolved | FCRE1255 | Credit | Other Property Insurance Policy Missing | The Final 1003 reflects a supplemental insurance payment of XXX included within the qualifying payment; however, there is no documentation in file to support this payment. Lender to provide documentation for supplemental insurance to verify a monthly payment of XXX | Uploading updated ULAW removing XXX payment which was erroneously added | 10/02/2025 | XXX provided updated ULAW removing XXX payment which was erroneously added. | 10/03/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of 50.49%<br> Borrower has stable job time - A |
| 265105 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/30/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 10/01/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of 50.49%<br> Borrower has stable job time - A |
| 265105 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/01/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 10/01/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of 50.49%<br> Borrower has stable job time - A |
| 258785 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/30/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 09/30/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 61.07% is less than Guideline LTV of 80%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.07% is less than Guideline CLTV of 80%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 640 A |
| 258785 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/30/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 09/30/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 61.07% is less than Guideline LTV of 80%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.07% is less than Guideline CLTV of 80%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 640 A |
| 258785 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/30/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 09/30/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 61.07% is less than Guideline LTV of 80%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.07% is less than Guideline CLTV of 80%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 640 A |
| 675897 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/01/2025 | Resolved | FCRE0382 | Credit | Assets do not meet guideline requirements | When the Total Qualified Asset Post Close field contains a negative value, the required assets do not meet guidelines. Verified assets with XXX #XXX, July'XXX, total $XXX. Funds required for closing total $XXX. Source & Seasoning of funds is required. Provide the August 'XXX Statement to verify XXX funds to close. GL XX/XX/XXXX & XX/XX/XXXX | Uploading July, Aug XXX Statements, Sept ledger and Final HUD from refi of XXX. Most recent Statement is good and unexpired. Ledger provided to show deposit of funds from refinance. Closing funds guidelines have been fully satisfied. | 10/02/2025 | Funds are found to meet guidelines. | 10/07/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 640 A |
| 675897 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/01/2025 | Resolved | FCRE9995 | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of $ are less than Guideline Required Reserves of $XXX. The Lender pricing exception requires XXX months reserves, $XXX. Provide XXX #XXX August'XXX Statement to reflect XXX months reserves post close. GL XX/XX/XXXX | Uploading July, Aug XXX Statements, Sept ledger and Final HUD from refi of XXX. Most recent Statement is good and unexpired. Ledger provided to show deposit of funds from refinance. Closing funds AND reserve guidelines have been fully satisfied. | 10/02/2025 | Audited Reserves of XXX are equal to or greater than AUS Required Reserves of $XXX. | 10/07/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 640 A |
| 675897 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/01/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. Check XXX and XXX with Exclusionary lists. | Document Uploaded. Uploaded DV for clearance | 10/06/2025 | All Interested Parties Checked against Exclusionary Lists | 10/07/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 640 A |
| 675897 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/01/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 10/01/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 640 A |
| 723272 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/01/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 10/01/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 723272 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/01/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 10/01/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 723272 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/01/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 10/01/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 644445 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/01/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 10/01/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 660 A |
| 644445 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/01/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 10/01/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 660 A |
| 644445 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/01/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 10/01/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 660 A |
| 966239 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/01/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 10/01/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 51.11% is less than Guideline LTV of 80%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.11% is less than Guideline CLTV of 80%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 700 A |
| 966239 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/01/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 10/01/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 51.11% is less than Guideline LTV of 80%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.11% is less than Guideline CLTV of 80%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 700 A |
| 966239 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/01/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 10/01/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 51.11% is less than Guideline LTV of 80%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.11% is less than Guideline CLTV of 80%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 700 A |
| 655522 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/01/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 10/01/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 50% is less than Guideline LTV of 70%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50% is less than Guideline CLTV of 70%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 640 A |
| 655522 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/01/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 10/01/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 50% is less than Guideline LTV of 70%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50% is less than Guideline CLTV of 70%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 640 A |
| 655522 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/01/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 10/01/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 50% is less than Guideline LTV of 70%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50% is less than Guideline CLTV of 70%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 640 A |
| 565551 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/01/2025 | Resolved | FCOM1232 | Credit | The Final 1003 is Missing | The Final 1003 is Missing In addition, confirmation for borrowers primary residence. The current initial 1003 shows XXX as the primary residence. | Uploading Final 1003 which indicates/confirms primary residence is XXX | 10/03/2025 | The Final 1003 is Present | 10/06/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 620<br> Original LTV is Below the Guideline Maximum - Calculated LTV of 59.91% is less than Guideline LTV of 80%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.91% is less than Guideline CLTV of 80%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of 43% A |
| 565551 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/01/2025 | Resolved | FCRE2900 | Credit | Borrower Non-US Citizen Identification Document Missing | Non XXX Borrower is missing Identification Document. | Uploading ITIN letters | 10/03/2025 | Borrower Identification Document provided. | 10/06/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 620<br> Original LTV is Below the Guideline Maximum - Calculated LTV of 59.91% is less than Guideline LTV of 80%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.91% is less than Guideline CLTV of 80%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of 43% A |
| 565551 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/01/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 10/02/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 620<br> Original LTV is Below the Guideline Maximum - Calculated LTV of 59.91% is less than Guideline LTV of 80%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.91% is less than Guideline CLTV of 80%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of 43% A |
| 827472 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/02/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 10/02/2025 | Borrower has stable job time - Borrower has XXX years on job. A |
| 827472 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/02/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 10/02/2025 | Borrower has stable job time - Borrower has XXX years on job. A |
| 827472 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/02/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 10/02/2025 | Borrower has stable job time - Borrower has XXX years on job. A |
| 776217 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/02/2025 | Cured | finding-XXX | Compliance | TILA Finance Charge Test | This loan failed the TILA finance charge test.[[(12 CFR ##_CS_##)The finance charge is $747,XXX. The disclosed finance charge of XXX is not considered accurate because it is underStated by more than XXX The following fees were included in testing: Attorney's Fee (Closing Agent and Other Title Services) paid by Borrower: XXX Electronic Recording Service Fee paid by Borrower: XXX Mortgage Broker Fee paid by Borrower: XXX Prepaid Interest paid by Borrower: XXX Settlement or Closing Fee paid by Borrower: XXX Title - XXX Guaranty Fee paid by Borrower: XXX Title Courier Fee paid by Borrower: XXX Title Tax Certification [Title Tax Search Fee] paid by Borrower: XXX Underwriting Fee paid by Borrower: XXX TILA 130b cure required in the amount of XXX with a PCCD, LOE, Copy of refund check, proof of delivery to the borrower and re-open rescission | Document Uploaded. Please review the correction of errors. | 10/16/2025 | Cure package provided to the borrower; exception downgraded to a 2/B; Cure package provided to the borrower; exception downgraded to a 2/B | 10/20/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 70%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 70%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of 50.49%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 640<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 776217 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/02/2025 | Resolved | finding-XXX | Compliance | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation 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 ##_DN_## , 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 | 10/20/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 70%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 70%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of 50.49%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 640<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 776217 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/02/2025 | Cured | finding-XXX | Compliance | TILA Post-Consummation Revised Closing Disclosure Finance Charge Test | This loan failed the TILA finance charge test.[[(12 CFR ##_DN_## , transferred from 12 CFR ##_CM_##)The finance charge is $747,XXX. The disclosed finance charge of XXX is not considered accurate because it is underStated by more than XXX The following fees were included in testing: Attorney's Fee (Closing Agent and Other Title Services) paid by Borrower: XXX Electronic Recording Service Fee paid by Borrower: XXX Mortgage Broker Fee paid by Borrower: XXX Prepaid Interest paid by Borrower: XXX Settlement or Closing Fee paid by Borrower: XXX Title - Tx Guaranty Fee paid by Borrower: XXX Title Courier Fee paid by Borrower: XXX Title Tax Certification [Title Tax Search Fee] paid by Borrower: XXX Underwriting Fee paid by Borrower: XXX TILA 130b cure required in the amount of XXX with a PCCD, LOE, Copy of refund check and proof of delivery to the borrower. | Document Uploaded. Please review the correction of errors. ; The fee "Title - reneal and extension" shows a credit to the borrower from the title company of $XXX. I do not believe that the TPR has properly included this in calculations. Please re-run numbers with this in mind. | 10/16/2025 | Cure package provided to the borrower; exception downgraded to a 2/B; Cure package provided to the borrower; exception downgraded to a 2/B; That fee is not considered a finance charge since it is a credit towards the title policy and therefore excluded from finance charge testing since it would not reduce the finance charges | 10/20/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 70%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 70%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of 50.49%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 640<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 776217 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/02/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 10/02/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 70%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 70%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of 50.49%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 640<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 776217 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/02/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 10/02/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 70%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 70%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of 50.49%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 640<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 802659 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/02/2025 | Resolved | finding-XXX | Compliance | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in LTV of 75% 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 | 10/02/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 75%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 75%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 620<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 802659 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/02/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 10/02/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 75%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 75%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 620<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 802659 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/02/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 10/02/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 75%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 75%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 620<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 719681 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/02/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 10/02/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 90%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 90% A |
| 719681 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/02/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 10/02/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 90%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 90% A |
| 719681 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/02/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 10/02/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 90%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 90% A |
| 997832 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/03/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 10/03/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of 55%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of 30% is less than Guideline LTV of 75%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 30% is less than Guideline CLTV of 75% A |
| 997832 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/03/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 10/03/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of 55%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of 30% is less than Guideline LTV of 75%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 30% is less than Guideline CLTV of 75% A |
| 997832 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/03/2025 | Acknowledged | FPRO1243 | Property | Second Appraisal is Missing | Second Appraisal Is Required and is Missing. The file contains an approved exception to allow only one appraisal for this transaction. Compensating factors include low LTV, low DTI, high FICO, large reserves. The file contains an approved exception to allow only one appraisal for this transaction. Compensating factors include low LTV, low DTI, high FICO, large reserves. |  |  | The file contains an approved exception to allow only one appraisal for this transaction. Compensating factors include low LTV, low DTI, high FICO, large reserves. | 10/03/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of 55%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of 30% is less than Guideline LTV of 75%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 30% is less than Guideline CLTV of 75% A |
| 672902 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/03/2025 | Resolved | FCRE0360 | Credit | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. The loan application reflects the borrower lives rent free. The property report shows owner is not the borrower. Provide a signed letter from the owner to verify the borrower has lived rent free for the previous XXX months. GL XX/XX/XXXX | XXX guidelines do not require a rent free letter, the 1003 merely needs to State so | 10/06/2025 | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. | 10/07/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 32% is less than Guideline LTV of 75%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 32% is less than Guideline CLTV of 75%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 640 A |
| 672902 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/03/2025 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: The review product is a Field Review completed on form XXX One Unit Residential. The subject has Three Unit's. Provide the Field Review completed on the appropriate form and to review the appraisal dated XXX/XXX/XXX. | Item #XXX if the report advises that there is not a UAD multifamily report form, so this form was used in order to provide the same dataset used by the original appraiser. XXX is agreeable to this practice for consistency. | 10/06/2025 | Property/Appraisal Meets Guidelines | 10/07/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 32% is less than Guideline LTV of 75%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 32% is less than Guideline CLTV of 75%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 640 A |
| 389814 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/03/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Provide a review product within XXX% of the appraised value. | Document Uploaded. Please review the CU report. | 10/06/2025 | Third party valuation product provided within tolerance. | 10/07/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 620<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of 50%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 17.54% is less than Guideline CLTV of 75%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of 17.54% is less than Guideline LTV of 75% A |
| 389814 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/03/2025 | Acknowledged | FCRE0360 | Credit | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. The subject's current mortgage pay-history from May-Aug XXX is documented with bank Statements. Proof of pay-history for the previous loan, (paid off XX/XX/XXXX), with XXX is required for XX/XX/XXXX - XX/XX/XXXX. Provide a copy of the Note and XXX months cancelled checks (front/back), or bank Statements which consistently show the payments made. GL XX/XX/XXXX & XX/XX/XXXX | Ok per XXX for missing previous mortgage history. Comp factors XXX% DTI, 17.54% LTV, S/E XXX yrs, subject C3 condition | 10/06/2025 | Lender exception approval provided - Ok per XXX for missing previous mortgage history. Comp factors XXX% DTI, 69.18% LTV, S/E XXX yrs, subject C3 condition | 10/07/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 620<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of 50%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 17.54% is less than Guideline CLTV of 75%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of 17.54% is less than Guideline LTV of 75% A |
| 389814 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/03/2025 | Resolved | finding-XXX | Compliance | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in LTV of 75% 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 | 10/03/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 620<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of 50%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 17.54% is less than Guideline CLTV of 75%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of 17.54% is less than Guideline LTV of 75% A |
| 564125 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/03/2025 | Resolved | FCRE0360 | Credit | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. The loan application reflects a NOO property at XXX #XXX. Provide a public record search (i.: SiteX or similar product) to establish there is not foreclosure action. GL XX/XX/XXXX | Also uploading proof borrower owns the business since a business owns the property.; Uploading DV report which is our report of record and no FC activities are noted in the last XXX yrs | 10/07/2025 | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present.; The REO for XXX #XXX is Not listed in the Real EState Owned Report section of the fraud report. Please provide an updated report to reflect the property search for XXX #XXX. | 10/08/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 640 D B A |
| 564125 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/03/2025 | Acknowledged | FCRE3843 | Credit | Guideline Seasoning not Met | The required number of months reserves are to be seasoned does not meet Guideline requirement. The Lender required XXX months reserves. Business accounts where the borrower is not XXX% owner are not an acceptable source of reserves. Provide XXX months bank Statements to verify XXX months reserves. GL XX/XX/XXXX | Uploading updated ULAW with comp factors. | 10/06/2025 | Lender exception approval provided - Ok per XXX for missing signed amendment and use of business account for reserves when not XXX% owner. Comp factors XXX FICO, XX/XX/XXXX DSCR, no negative credit whatsoever, subject C3 condition. | 10/07/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 640 D B A |
| 564125 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/03/2025 | Acknowledged | FCRE9785 | Credit | Purchase Contract is Incomplete | Loan Purpose is Purchase but Purchase Contract Doc is Incomplete Amendment #XXX to the purchase contract is not signed. Provide the signed Amendment #XXX. | Uploading updated ULAW with comp factors | 10/06/2025 | Lender exception approval provided - Ok per XXX for missing signed amendment and use of business account for reserves when not XXX% owner. Comp factors XXX FICO, XX/XX/XXXX DSCR, no negative credit whatsoever, subject C3 condition. | 10/07/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 640 D B A |
| 564125 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/03/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 10/03/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 640 D B A |
| 181376 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/06/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 10/06/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of 50.49%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 181376 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/06/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 10/06/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of 50.49%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 788215 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/06/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 10/06/2025 | A |
| 788215 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/06/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 10/06/2025 | A |
| 341532 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/06/2025 | Resolved | FCRE1440 | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements Primary home mortgage is with XXX. Mortgage Statements from XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX are in the file. Provide proof of XX/XX/XXXX payment to XXX. GL XX/XX/XXXX | Uploading proof of XX/XX/XXXX payment | 10/07/2025 | Housing History Meets Guideline Requirements | 10/09/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 640 B A |
| 341532 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/06/2025 | Resolved | FCRE1482 | Credit | Asset 4 Does Not Meet Guideline Requirements | Asset 4 Does Not Meet Guideline Requirements There is a gift letter for XXX from XXX. However, an XXX check from the donor is in the file. The funds must match the information on the gift letter. Provide evidence an additional XXX was given, or provide a gift letter which reflects funds received. GL XX/XX/XXXX | Additional XXX was not needed. XXX allows gifts below the gift letter amount if the full gift is not necessary without an updated letter and without needing an exception | 10/07/2025 | Asset 4 Meets Guideline Requirements Or XXX | 10/09/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 640 B A |
| 341532 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/06/2025 | Acknowledged | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements The HUD-XXX reflects a XXX EMD deposit. The purchase contract reflects XXX check #XXX received on XX/XX/XXXX. Provide a copy of the check or bank Statement showing the funds cleared the borrowers account. GL XX/XX/XXXX | There are XXX gifts. Uploading $20k and $225k gift letters and uploading updated ULAW with comp factors; EMD was a gift. Uploading gift letter | 10/09/2025 | Lender exception approval provided - Ok per XXX to accept the gifts and gift letters as is without any additional sourcing required. Comp factors XXX FICO, 69.18% LTV, no negative credit whatsoever, subject C1 condition by a reputable builder.;.; There is only one gift letter in the loan file for $20K dated XX/XX/XXXX, which was advised by XXX in the exception for Asset 4 Does Not Meet Guideline Requirements that $11K of the $20K gifts funds were used towards cash to close, so the same $20K gift letter cannot be used for the EMD from XX/XX/XXXX. Please provide a copy of the check or bank Statement showing the funds cleared the borrowers account. GL XXX.; Asset Qualification Does Not Meet Guideline Requirements | 10/09/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 640 B A |
| 341532 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/06/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 10/06/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 640 B A |
| 734338 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/06/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 10/06/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 620<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of 50.49%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.54% is less than Guideline CLTV of 75%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of 57.54% is less than Guideline LTV of 75%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 734338 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/06/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 10/06/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 620<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of 50.49%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.54% is less than Guideline CLTV of 75%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of 57.54% is less than Guideline LTV of 75%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 734338 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/06/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 10/06/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 620<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of 50.49%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.54% is less than Guideline CLTV of 75%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of 57.54% is less than Guideline LTV of 75%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 310660 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/06/2025 | Resolved | FCRE5116 | Credit | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. | Uploading credit report showing XXX rated thru XX/XX/XXXX along with Statements showing payments thru XX/XX/XXXX | 10/07/2025 | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing | 10/08/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 700<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.99% is less than Guideline CLTV of 80%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of 69.99% is less than Guideline LTV of 80% D A |
| 310660 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/06/2025 | Resolved | FCRE1480 | Credit | Asset 2 Does Not Meet Guideline Requirements | Asset Record XXX Does Not Meet G/L Requirements Need actual bank Statement to verify assets. | Per Sec XXX business purpose loans at 70% LTV and below, the closing funds need only be listed on the 1003. | 10/07/2025 | Asset Record XXX Meets G/L Requirements Or XXX | 10/08/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 700<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.99% is less than Guideline CLTV of 80%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of 69.99% is less than Guideline LTV of 80% D A |
| 310660 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/06/2025 | Resolved | FCRE1481 | Credit | Asset 3 Does Not Meet Guideline Requirements | Asset Record XXX Does Not Meet G/L Requirements Need actual bank Statement to verify assets. | Per Sec XXX business purpose loans at 75% LTV and below, the closing funds need only be listed on the 1003. | 10/07/2025 | Asset Record XXX Meets G/L Requirements Or XXX | 10/08/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 700<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.99% is less than Guideline CLTV of 80%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of 69.99% is less than Guideline LTV of 80% D A |
| 310660 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/06/2025 | Resolved | FCRE1482 | Credit | Asset 4 Does Not Meet Guideline Requirements | Asset 4 Does Not Meet Guideline Requirements Need actual bank Statement to verify assets. | Per Sec XXX business purpose loans at 75% LTV and below, the closing funds need only be listed on the 1003. | 10/07/2025 | Asset 4 Meets Guideline Requirements Or XXX | 10/08/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 700<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.99% is less than Guideline CLTV of 80%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of 69.99% is less than Guideline LTV of 80% D A |
| 310660 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/06/2025 | Resolved | FCRE1483 | Credit | Asset 5 Does Not Meet Guideline Requirements | Asset 5 Does Not Meet Guideline Requirements Need actual bank Statement to verify assets. | Per Sec XXX business purpose loans at 75% LTV and below, the closing funds need only be listed on the 1003. | 10/07/2025 | Asset 5 Meets Guideline Requirements Or XXX | 10/08/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 700<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.99% is less than Guideline CLTV of 80%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of 69.99% is less than Guideline LTV of 80% D A |
| 310660 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/06/2025 | Resolved | FCRE1484 | Credit | Asset 6 Does Not Meet Guideline Requirements | Asset 6 Does Not Meet Guideline Requirements Need actual bank Statement to verify assets. | Per Sec XXX business purpose loans at 75% LTV and below, the closing funds need only be listed on the 1003. | 10/07/2025 | Asset 6 Meets Guideline Requirements Or XXX | 10/08/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 700<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.99% is less than Guideline CLTV of 80%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of 69.99% is less than Guideline LTV of 80% D A |
| 310660 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/06/2025 | Resolved | FCRE1485 | Credit | Asset 7 Does Not Meet Guideline Requirements | Asset 7 Does Not Meet Guideline Requirements Need actual bank Statement to verify assets. | Per Sec XXX business purpose loans at 75% LTV and below, the closing funds need only be listed on the 1003. | 10/07/2025 | Asset 7 Meets Guideline Requirements Or XXX | 10/08/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 700<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.99% is less than Guideline CLTV of 80%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of 69.99% is less than Guideline LTV of 80% D A |
| 310660 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/06/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 10/06/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 700<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.99% is less than Guideline CLTV of 80%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of 69.99% is less than Guideline LTV of 80% D A |
| 398969 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/06/2025 | Resolved | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements Gift letters for XXX dated XX/XX/XXXX and XXX dated XX/XX/XXXX from the same donor are in the file. However, the funds received from the donor are $XXX. Provide the gift letter which matches gift funds received. GL XX/XX/XXXX | XXX is agreeable when the gifts provided are less than the amount on the gift letter, no need for an updated gift letter so long as the gifts are at or below the amount on the gift letter | 10/07/2025 | Asset Qualification Meets Guideline Requirements | 10/08/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 620<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of 43% A |
| 398969 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/06/2025 | Resolved | finding-XXX | Compliance | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in LTV of 75% 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 | 10/06/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 620<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of 43% A |
| 398969 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/06/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 10/06/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 620<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of 43% A |
| 930408 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/07/2025 | Acknowledged | FCRE1198 | Credit | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Audited Reserves of XXX month(s) are less than Guideline Required Reserves of XXX month(s) An approved exception is in file to allow XXX months reserves; however, no compensating factors are noted. Guidelines require XXX months reserves and the file only has XXX months documented. | Uploading updated ULAW with comp factors. | 10/08/2025 | Lender exception approval provided - Ok per XXX for XXX months reserves, comp factors, XXX FICO, borr S/E XXX years, subject in C3 condition… | 10/09/2025 | Borrower has stable job time - Borrower has XXX years on job. D C A |
| 930408 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/07/2025 | Acknowledged | FCRE9995 | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of XXX are less than Guideline Required Reserves of $XXX. An approved exception is in file to allow XXX months reserves; however, no compensating factors are noted. Guidelines require XXX months reserves, XXX but only XXX months, XXX is documented in file. | Uploading updated ULAW with comp factors. | 10/08/2025 | Lender exception approval provided - Ok per XXX for XXX months reserves, comp factors, XXX FICO, borr S/E XXX years, subject in C3 condition… | 10/09/2025 | Borrower has stable job time - Borrower has XXX years on job. D C A |
| 930408 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/07/2025 | Acknowledged | FCRE3843 | Credit | Guideline Seasoning not Met | The required number of months reserves are to be seasoned does not meet Guideline requirement. An approved exception is in file to allow XXX months of reserves; however, there are no compensating factors noted. Guidelines require XXX months reserves for LTVs exceeding XXX% The file contains XXX months of reserves. | Uploading updated ULAW with comp factors. | 10/08/2025 | Lender exception approval provided - Ok per XXX for XXX months reserves, comp factors, XXX FICO, borr S/E XXX years, subject in C3 condition… | 10/09/2025 | Borrower has stable job time - Borrower has XXX years on job. D A |
| 930408 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/07/2025 | Resolved | finding-XXX | Compliance | NC Rate Spread Home Loan Test | HPML Compliant and allowed per lender guidelines, therefore downgraded to an A This loan failed the XXX rate spread home loan test. (NC GS §XXX-11F(a)(XXX) he loan is a rate spread home loan, as defined in the legislation. For more information please see the XXX Rate Spread Home Loan Article section of the full ComplianceAnalyzer report hile the XXX Rate Spread Home Loan provisions specify that lenders can legally make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy rate spread home loans even if the additional conditions are met. |  |  | Compliant | 10/07/2025 | Borrower has stable job time - Borrower has XXX years on job. D A |
| 930408 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/07/2025 | Resolved | finding-XXX | Compliance | Higher-Priced Mortgage Loan Test | HPML Compliant and allowed per lender guidelines, therefore downgraded to an 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 LTV of 75% 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 | 10/07/2025 | Borrower has stable job time - Borrower has XXX years on job. D A |
| 930408 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/07/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 10/07/2025 | Borrower has stable job time - Borrower has XXX years on job. D A |
| 653371 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/07/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 10/07/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 620 A |
| 653371 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/07/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 10/07/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 620 A |
| 825728 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/07/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 10/07/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 700 A |
| 825728 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/07/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 10/07/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 700 A |
| 825728 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/07/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 10/07/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 700 A |
| 595186 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/07/2025 | Resolved | FCRE0360 | Credit | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. Lender used negative rental of XXX for subject property. Missing supporting documentation to reflect the amount the lender used. | UW noted ULAW only used subject rental income to wash the payment. Uploading revised ULAW with corrected subject rents matching proposed PITIA ($XXX), which now fully supports the payment wash | 10/08/2025 | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. | 10/09/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 620 A |
| 595186 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/07/2025 | Acknowledged | FCRE1200 | Credit | Audited Loan Amount is less than Guideline Minimum Loan Amount | Audited Loan Amount of XXX is less than the Guideline Minimum Loan Amount of XXX Guideline exception noted in the file for loan amount on loan approval. Exception approved by XXX to proceed with loan amount under $XXX with minimum permitted of $XXX. Missing two comp factors as required by guidelines. | Uploading updated ULAW with comp factors | 10/08/2025 | Lender exception approval provided - Exception approved by XXX to proceed with loan amount under $100k with minimum permitted of $92k.. Ok per XXX for $92k loan amount. Comp factors XXX FICO, XXX% DTI, subject C3 condition. | 10/09/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 620 A |
| 595186 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/07/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 10/07/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 620 A |
| 595186 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/07/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 10/07/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 620 A |
| 270870 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/06/2025 | Resolved | finding-XXX | Compliance | Higher-Priced Mortgage Loan Test | HPML compliant, downgraded to A This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in LTV of 75% 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 | 10/07/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 721<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 49.18% is less than Guideline CLTV of 75%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of 49.18% is less than Guideline LTV of 75% A |
| 270870 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/07/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 10/07/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 721<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 49.18% is less than Guideline CLTV of 75%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of 49.18% is less than Guideline LTV of 75% A |
| 270870 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/07/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 10/07/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 721<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 49.18% is less than Guideline CLTV of 75%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of 49.18% is less than Guideline LTV of 75% A |
| 714660 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/07/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. Provide a Third Party Fraud Report with all interested parties checked with Exclusionary lists. | Uploading Data Verify Report - see other exception. | 10/08/2025 | All Interested Parties Checked against Exclusionary Lists | 10/09/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 660 D A |
| 714660 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/07/2025 | Resolved | FCRE1205 | Credit | OFAC Check Not Completed and/or Cleared | OFAC Check Not Completed and/or Cleared Provide a Third Party Fraud Report with OFAC checked and cleared. | Uploading Data Verify Report | 10/08/2025 | OFAC Check Completed and Cleared | 10/09/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 660 D A |
| 714660 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/07/2025 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Provide a Third Party Fraud Report | Uploading Data Verify Report - see other exception. | 10/08/2025 | Third Party Fraud Report is provided | 10/09/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 660 D A |
| 714660 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/07/2025 | Acknowledged | FCRE1183 | Credit | Approval/Underwriting Summary Partially Provided | Approval/Underwriting Summary Partially Provided. The Underwriting Loan Approval Worksheet, (ULAW), reflects HI XXX per month. The HI documentation shows the HI is XXX per month. Provide the Final ULAW reflecting the correct HI and subject PITIA. |  |  | Acknowledged as 2/B grading per client request. | 10/07/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 660 D A |
| 714660 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/07/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 10/07/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 660 D A |
| 714660 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/07/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 10/07/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 660 D A |
| 470944 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/07/2025 | Resolved | FCRE0382 | Credit | Assets do not meet guideline requirements | All funds for closing came from a gift. Purchase of an investment property limits gift funds. The borrower is required to contribute sourced and seasoned funds for a minimum XXX% of the purchase price; $XXX. GL XX/XX/XXXX | Lender allowing gift funds without borrower contribution.; XXX does not have a specific guideline addressing this scenario. Per XXX policy, the company retains full discretion in interpreting situations not explicitly covered in the guidelines. In this instance, we are not applying the referenced guideline, as the funds are sourced from outside the XXX.; FN loans are not subject to this restriction so long as the funds do not originate in the XXX and these are also from XXX, XXX. | 10/16/2025 | ; Please cite what section of the guidelines that State XXX borrowers are not subject to minimum XXX% borrower contribution related to Gift Funds. | 10/16/2025 | C A |
| 470944 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/07/2025 | Resolved | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements Gift Letter from Spouse is for XXX The wire from the donor is for XXX The documentation evidencing transfer of funds must match the information on the gift letter. Provide gift letter for XXX GL XX/XX/XXXX | XXX allows gifts below the gift letter amount if the full gift is not necessary without an updated letter and without needing an exception. | 10/10/2025 | Asset Qualification Meets Guideline Requirements | 10/13/2025 | C A |
| 470944 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/07/2025 | Resolved | FCRE0360 | Credit | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. First Time Homebuyers are ineligible for DSCR. Provide proof the borrower has prior homeownership. Per: DSCR Program Summary | Borrower is an FN from XXX and is not subject to FTHB restrictions. | 10/10/2025 | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. | 10/13/2025 | C A |
| 470944 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/07/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 10/08/2025 | C A |
| 854422 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/08/2025 | Resolved | FCRE1146 | Credit | Title Document is Partially Present | Title Document is incomplete or only partially present. The Title in the file shows no Date of Policy and is incomplete. Provide Full ALTA Extended Policy (XX/XX/XXXX) with XXX month chain of title. | In XXX, title commitments are dated after closing because title insurance policies are finalized only once all documents are recorded. Uploading Attorney email stating "date will not be filled in until after closing." XXX acknowledges the Title Commitment was issued after the purchase contract signed on XX/XX/XXXX. XXX used the contract date as the effective date for the Title Policy, and the loan closed within XXX days, meeting XXX expiration guidelines. | 10/10/2025 | Title Document is fully Present. | 10/13/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 640 D B A |
| 854422 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/08/2025 | Acknowledged | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements The Hud-XXX reflects EMD XXX #XXX Statement reflects withdrawal for XXX on XX/XX/XXXX, and XXX #XXX Statement XXX on XX/XX/XXXX. Provide a certified Escrow deposit receipt. GL XX/XX/XXXX | Uploading updated ULAW with comp factors | 10/10/2025 | Lender exception approval provided - Ok per XXX to accept EMD documents as is. Comp factors XXX FICO, XXX DSCR, XXX LTV, significant reserves after closing.. | 10/13/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 640 D B A |
| 854422 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/08/2025 | Resolved | FPRO8998 | 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 640 D B A |
| 873121 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/07/2025 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report | Fraud report uploaded. ; Document Uploaded. | 10/10/2025 | Third Party Fraud Report is provided | 10/13/2025 | D A |
| 873121 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/07/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 10/08/2025 | D A |
| 856952 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/07/2025 | Resolved | FCRE1204 | Credit | Fraud Report Shows Uncleared Alerts | Fraud Report Shows Uncleared Alerts High alerts were not cleared on the Fraud reports for both borrowers. | Uploading B1 SS card and EAD card, QC watchlist clearance and B2 ITIN letter. Credit does not show any new loans and similar names is not indicative of fraud. XXX does not clear fraud alerts within the system like FNMA might do but the issues were addressed appropriately per XXX policies and procedures | 10/09/2025 | All Fraud Report Alerts have been cleared or None Exist | 10/09/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of 50.49% A |
| 856952 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/07/2025 | Resolved | FCRE2900 | Credit | Borrower Non-US Citizen Identification Document Missing | Non XXX Borrower is missing Identification Document. Missing B1 Non-XXX card, front and back. | B1 is a non-permanent resident priced as ITIN due to lack of VISA/employment authorization card. Uploading ITIN letter | 10/09/2025 | Borrower Identification Document provided. | 10/09/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of 50.49% A |
| 856952 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/07/2025 | Acknowledged | FCRE1198 | Credit | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Audited Reserves of XX/XX/XXXX month(s) are less than Guideline Required Reserves of XXX month(s) Missing asset documentation to support XXX months of reserves after closing. Lender exception in file; per XXX for only XXX months reserves: Comp factors Low DTI, High Fico, XXX years SE |  |  | Lender exception in file; per XXX for only XXX months reserves: Comp factors Low DTI, High Fico, XXX years SE | 10/08/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of 50.49% A |
| 856952 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/07/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 10/08/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of 50.49% A |
| 856952 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/08/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 10/08/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of 50.49% A |
| 847207 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/08/2025 | Resolved | FCRE1204 | Credit | Fraud Report Shows Uncleared Alerts | Fraud Report Shows Uncleared Alerts Fraud report reflects High alerts that were not cleared by the underwriter. | Uploading SSA-XXX results. XXX does not clear fraud alerts within the system like FNMA might do but the issues were addressed appropriately per XXX policies and procedures; Uploading SSA-XXX results. XXX does not clear fraud alerts within the system like FNMA might do but the issues were addressed appropriately per XXX policies and procedures | 10/10/2025 | All Fraud Report Alerts have been cleared or None Exist | 10/13/2025 | C A |
| 847207 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/08/2025 | Resolved | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements UW approval reflects that the borrower cannot get any funds back at closing. Gift letter to be updated to reflect actual funds to close. | XXX allows gifts below the gift letter amount if the full gift is not necessary without an updated letter and without needing an exception | 10/10/2025 | Asset Qualification Meets Guideline Requirements | 10/13/2025 | C A |
| 847207 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/08/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 10/08/2025 | C A |
| 959936 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/08/2025 | Acknowledged | FCRE1183 | Credit | Approval/Underwriting Summary Partially Provided | Approval/Underwriting Summary Partially Provided. Provide the Final Lender Loan Approval (Conditional Loan Approval). |  |  | Acknowledged as 2/B grading per client request. | 10/08/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 640<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of 50% A |
| 959936 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/08/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 10/08/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 640<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of 50% A |
| 959936 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/08/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 10/08/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 640<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of 50% A |
| 863518 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/08/2025 | Acknowledged | FCRE1197 | Credit | Audited FICO is less than Guideline FICO | Audited FICO of XXX is less than Guideline FICO of XXX An approved exception is in file to allow a FICO of XXX; however, no compensating factors are noted. Guidelines requires a minimum FICO of XXX for the Profit and Loss income documentation type. | Uploading updated ULAW with comp factors | 10/10/2025 | Lender exception approval provided - Ok per XXX for XXX FICO. Comp factors 36.67% LTV, significant reserves with cash out, subject C3 condition with recent upgrades, comparable sales have a very low average DOM | 10/13/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 36.67% is less than Guideline CLTV of 70%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of 36.67% is less than Guideline LTV of 70%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 863518 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/08/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 10/08/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 36.67% is less than Guideline CLTV of 70%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of 36.67% is less than Guideline LTV of 70%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 863518 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/08/2025 | Resolved | finding-XXX | Compliance | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in LTV of 75% 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 | 10/08/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 36.67% is less than Guideline CLTV of 70%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of 36.67% is less than Guideline LTV of 70%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 802969 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/08/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. Check XXX, XXX, XXX and XXX with exclusionary lists. | Uploaded updated DV for clearance; Uploaded DV for clearance | 10/15/2025 | All Interested Parties Checked against Exclusionary Lists; XXX is not reflected on the attached DV. Please provide an updated DV to include XXX. | 10/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 640 A |
| 802969 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/08/2025 | Resolved | FPRO8998 | 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 640 A |
| 810499 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/08/2025 | Resolved | FCRE1204 | Credit | Fraud Report Shows Uncleared Alerts | Fraud Report Shows Uncleared Alerts Fraud report provided reflect high alerts that have not been cleared by the underwriter. | Uploading QC watchlist clearance. Borrowers are XXXs so no Social Security numbers to verify. XXX does not clear fraud alerts within the system like FNMA might do but the issues were addressed appropriately per XXX policies and procedures | 10/09/2025 | All Fraud Report Alerts have been cleared or None Exist | 10/10/2025 | C A |
| 810499 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/08/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 10/08/2025 | C A |
| 166823 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/08/2025 | Resolved | finding-XXX | Compliance | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in LTV of 75% 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 | 10/09/2025 | Borrower has stable job time - Borrower has XXX years on job. A |
| 166823 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/08/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 10/09/2025 | Borrower has stable job time - Borrower has XXX years on job. A |
| 166823 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/08/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 10/09/2025 | Borrower has stable job time - Borrower has XXX years on job. A |
| 819481 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/10/2025 | Resolved | FCRE1193 | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% The audit DTI is XXX% and the lender DTI is XXX%. The lender used XXX% of the Stated rent amount, which is not allowed since none of the investment properties, where rent is used to qualify, are vacant. Therefore, the use of the lower rent amount caused the DTI to exceed the maximum allowed. | It's unclear which guideline the TPR is referencing for this finding. If they are referring to section XXX it appears there may be a misinterpretation. The subject property is not being purchased as an investment property. XXX followed the guidelines appropriately by applying XXX% of the Stated rental income for all non-owner-occupied properties, as rental agreements and signed Schedule E documents for the most recent two years were provided. | 10/14/2025 | Audited DTI of XXX% is less than or equal to Guideline DTI of XXX% | 10/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 680<br> Borrower has stable job time - A |
| 819481 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/10/2025 | Resolved | FCRE1497 | Credit | ATR: Reasonable Income or Assets Not Considered | ATR: XXX Income or Assets Not Considered | It's unclear which guideline the TPR is referencing for this finding. If they are referring to section XXX it appears there may be a misinterpretation. The subject property is not being purchased as an investment property. XXX followed the guidelines appropriately by applying XXX% of the Stated rental income for all non-owner-occupied properties, as rental agreements and signed Schedule E documents for the most recent two years were provided. | 10/14/2025 | ATR: XXX Income or Assets Was Considered; ATR: XXX Income or Assets Not Considered | 10/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 680<br> Borrower has stable job time - A |
| 819481 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/08/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 10/10/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 680<br> Borrower has stable job time - A |
| 819481 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/10/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 10/10/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 680<br> Borrower has stable job time - A |
| 992014 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/08/2025 | Resolved | finding-XXX | Compliance | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in LTV of 75% 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 | 10/09/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of 50.49%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 700 A |
| 992014 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/09/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 10/09/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of 50.49%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 700 A |
| 992014 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/09/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 10/09/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of 50.49%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 700 A |
| 601354 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/09/2025 | Resolved | FCRE0377 | Credit | The Total Hazard Coverage is LESS than the Required Coverage Amount | The hazard insurance dwelling coverage of XXX is insufficient, not meeting the required coverage amount of ($XXX). Provide a replacement cost estimator to verify HI coverage is sufficient. | Uploaded corrected EOI for clearance.; Uploaded Dec page for clearance | 10/27/2025 | The Total Hazard Coverage is greater than or equal to the Required Coverage Amount; Policy recently provided is for XXX, subject address is XXX. Please provide HOI for the subject that reflects sufficient coverage. Thank you. | 10/28/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 640 A |
| 601354 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/09/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 10/09/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 640 A |
| 852521 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/09/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 10/09/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.15% is less than Guideline CLTV of 75%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 59.15% is less than Guideline LTV of 75% A |
| 852521 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/09/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 10/09/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.15% is less than Guideline CLTV of 75%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 59.15% is less than Guideline LTV of 75% A |
| 420559 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/09/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 10/09/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 28.17% is less than Guideline CLTV of 80%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 620<br> Original LTV is Below the Guideline Maximum - Calculated LTV of 28.17% is less than Guideline LTV of 80% A |
| 420559 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/09/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 10/09/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 28.17% is less than Guideline CLTV of 80%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 620<br> Original LTV is Below the Guideline Maximum - Calculated LTV of 28.17% is less than Guideline LTV of 80% A |
| 420559 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/09/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 10/09/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 28.17% is less than Guideline CLTV of 80%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 620<br> Original LTV is Below the Guideline Maximum - Calculated LTV of 28.17% is less than Guideline LTV of 80% A |
| 622327 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/09/2025 | Acknowledged | FCRE1441 | Credit | Delinquent Credit History Does Not Meet Guideline Requirements | Delinquent Credit History Does Not Meet Guideline Requirements Credit report reflects an open collection with XXX dated XX/XX/XXXX for XXX Provide proof the collection has been paid. GL XX/XX/XXXX | Uploading updated ULAW with comp factors | 10/10/2025 | Lender exception approval provided -. Ok per XXX for collection remain unpaid. Comp factors HCLTV of 75%, XXX% DSCR, significant reserves with cash out, subject C3 condition. | 10/13/2025 | C B A |
| 622327 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/09/2025 | Acknowledged | FCRE1197 | Credit | Audited FICO is less than Guideline FICO | Audited FICO of XXX is less than Guideline FICO of XXX The Minimum Fico for an ITIN loan is XXX A Lender exception with compensating factors of high DSCR and reserves is provided. |  |  | A Lender exception with compensating factors of high DSCR and reserves is provided.; Audited FICO of XXX is less than Guideline FICO of XXX The Minimum Fico for an ITIN loan is XXX A Lender exception with compensating factors of high DSCR and reserves is provided. | 10/09/2025 | C B A |
| 622327 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/09/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 10/09/2025 | C B A |
| 636238 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/09/2025 | Resolved | FCRE0360 | Credit | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. A VOM for primary residence mortgage pay-history, name and address of Creditor is left blank. Provide a completed VOM, cancelled Checks (front/back) or bank Statements to document the payment history. GL XX/XX/XXXX XX/XX/XXXX | Uploading broker's credit report to reflect mortgage payment history. While broker credit reports are not eligible for underwriting purposes, this is provided solely to document the required mortgage history | 10/10/2025 | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. | 10/13/2025 | D B C A |
| 636238 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/09/2025 | Resolved | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements The HUD shows XXX due at closing. Assets verified total $XXX. Lender exception requires XXX months reserves ($XXX). Provide bank Statements to verify an additional XXX funds to close. GL XX/XX/XXXX | Uploading XXX Statement for #XXX with an additional XXX | 10/10/2025 | Asset Qualification Meets Guideline Requirements | 10/13/2025 | D B C A |
| 636238 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/09/2025 | Acknowledged | FCRE3843 | Credit | Guideline Seasoning not Met | The required number of months reserves are to be seasoned does not meet Guideline requirement. Lender exception requires XXX months reserves. Provide personal bank Statements showing XXX or above to be in the Applicant's accounts for a period of at least XXX days. GL XX/XX/XXXX | Uploading XXX Statement for #XXX with an additional $XXX. Uploading updated ULAW with comp factors | 10/10/2025 | Lender exception approval provided - >DSCR, XXX months reserves. Ok per XXX for missing additional XXX days of seasoning. Comp factors XXX FICO, XXX% DSCR, comparable sales have a low average DOM. | 10/13/2025 | D B A |
| 636238 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/09/2025 | Acknowledged | FCRE1194 | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV of 75% exceeds Guideline LTV of 70% The Maximum CLTV/LTV/HLTV for an ITIN purchase with XXX Fico of greater is XXX% A Lender exception with compensating factors DSCR > XXX and XXX months reserves. |  |  | A Lender exception with compensating factors DSCR > XXX and XXX months reserves. | 10/09/2025 | D B C A |
| 636238 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/09/2025 | Acknowledged | FCRE1196 | Credit | Audited HCLTV Exceeds Guideline HCLTV | Audited HLTV of 75% exceeds Guideline HCLTV of 70% The Maximum CLTV/LTV/HLTV for an ITIN purchase with XXX Fico of greater is XXX% A Lender exception with compensating factors DSCR > XXX and XXX months reserves. Audited CLTV of 75% exceeds Guideline CLTV of 75% The Maximum CLTV/LTV/HLTV for an ITIN purchase with XXX Fico of greater is XXX% A Lender exception with compensating factors DSCR > XXX and XXX months reserves. |  |  | A Lender exception with compensating factors DSCR > XXX and XXX months reserves. | 10/09/2025 | D B C A |
| 636238 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/09/2025 | Acknowledged | FCRE1195 | Credit | Audited CLTV Exceeds Guideline CLTV | Audited CLTV of 75% exceeds Guideline CLTV of 70% The Maximum CLTV/LTV/HLTV for an ITIN purchase with XXX Fico of greater is XXX% A Lender exception with compensating factors DSCR > XXX and XXX months reserves. Audited 12 CFR ##_DL_##(ii)) exceeds Guideline HCLTV of 70% The Maximum CLTV/LTV/HLTV for an ITIN purchase with XXX Fico of greater is XXX% A Lender exception with compensating factors DSCR > XXX and XXX months reserves. |  |  | A Lender exception with compensating factors DSCR > XXX and XXX months reserves. | 10/09/2025 | D B C A |
| 636238 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/09/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 10/09/2025 | D B A |
| 332867 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/09/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 10/09/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.2% is less than Guideline CLTV of 80%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 620<br> Original LTV is Below the Guideline Maximum - Calculated LTV of 63.2% is less than Guideline LTV of 80%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 332867 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/09/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 10/09/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.2% is less than Guideline CLTV of 80%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 620<br> Original LTV is Below the Guideline Maximum - Calculated LTV of 63.2% is less than Guideline LTV of 80%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 332867 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/09/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 10/09/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.2% is less than Guideline CLTV of 80%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 620<br> Original LTV is Below the Guideline Maximum - Calculated LTV of 63.2% is less than Guideline LTV of 80%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 293974 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/09/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 10/10/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 720 A |
| 293974 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/09/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 10/10/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 720 A |
| 694703 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/10/2025 | Resolved | FCRE1195 | Credit | Audited CLTV Exceeds Guideline CLTV | Audited 12 CFR ##_DL_##(ii)) exceeds Guideline 12 CFR ##_DL_##(ii)) The CLTV/LTV/HCLT for purchase of a property with DSCR < XXX and in a declining market is XXX% | Loan closed within guidelines. Uploading program summary from XX/XX/XXXX showing at time loan was approved allowed for 75% LTV. The LTV reductions are not cumulative, and all reductions are taken from the main LTV overlay and not from the individual limitations posted. | 10/14/2025 | Audited HCLTV of 75% is less than or equal to Guideline HCLTV of 75% | 10/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 700 A |
| 694703 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/10/2025 | Resolved | FCRE1196 | Credit | Audited HCLTV Exceeds Guideline HCLTV | Audited 12 CFR ##_DL_##(ii)) exceeds Guideline 12 CFR ##_DL_##(ii)) The CLTV/LTV/HCLT for purchase of a property with DSCR < XXX and in a declining market is XXX% | Document Uploaded. Loan closed within guidelines. Uploading program summary from XX/XX/XXXX showing at time loan was approved allowed for ##XXX##. The LTV reductions are not cumulative, and all reductions are taken from the main LTV overlay and not from the individual limitations posted. | 10/14/2025 | Audited HCLTV of 75% is less than or equal to Guideline HCLTV of 75% | 10/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 700 A |
| 694703 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/10/2025 | Resolved | FCRE1194 | Credit | Audited LTV Exceeds Guideline LTV | Audited 12 CFR ##_DL_##(ii)) exceeds Guideline 12 CFR ##_DL_##(ii)) The CLTV/LTV/HCLT for purchase of a property with DSCR < XXX and in a declining market is XXX% | Uploading program summary from XX/XX/XXXX showing at time loan was approved allowed for ##XXX##. The LTV reductions are not cumulative, and all reductions are taken from the main LTV overlay and not from the individual limitations posted. | 10/14/2025 | Audited ##XXX## is less than or equal to Guideline ##XXX## | 10/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 700 A |
| 694703 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/10/2025 | Resolved | FCRE1203 | Credit | Potential Fraud Reflected on Fraud Report | Potential Fraud Reflected on Fraud Report The MERS report on Data Verify reflects an active lien with XXX for XXX open date XX/XX/XXXX secured by XXX which was not disclosed on the loan application. Provide verification the XX/XX/XXXX payment was made with a copy of the cancelled check (front/back), bank Statement or credit supplement. Include the lien on an updated loan application. | Uploading updated 1003 adding the XXX mortgage. Verification of XX/XX/XXXX mtg payment is not required due to housing history over the last XXX-month period is 0x30 per the credit report. Rating is good through XX/XX/XXXX | 10/14/2025 | Potential Fraud Reflected on Fraud Report is Resolved or None Exists | 10/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 700 A |
| 694703 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/10/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 10/10/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 700 A |
| 356561 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/10/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 10/10/2025 | A |
| 356561 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/10/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 10/10/2025 | A |
| 427969 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/09/2025 | Resolved | finding-XXX | Compliance | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation 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 ##_DL_##(ii)) 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 | 10/10/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of 50.49%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 427969 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/10/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 10/10/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of 50.49%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 427969 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/10/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 10/10/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of 50.49%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 260685 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/10/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 10/10/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 730<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of 40% A |
| 260685 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/10/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 10/10/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 730<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of 40% A |
| 263943 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/10/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. Check XXX and XXX with Exclusionary lists. | Uploaded DV for clearance | 10/15/2025 | All Interested Parties Checked against Exclusionary Lists | 10/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 640 B A |
| 263943 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/10/2025 | Acknowledged | FCRE1248 | Credit | Purchase is not considered to be an Arm's Length Transaction | Purchase is not considered to be an Arm's Length Transaction There is a relationship between the buyer and seller. A gift of equity from the selling entity to the buying entity. GL XX/XX/XXXX | Uploading updated ULAW with comp factors | 10/14/2025 | Lender exception approval provided -. Ok per XXX to revise loan to non-arms length transaction. Ok per XXX for missing most recent Statement with sufficient funds to close. Comp factors XXX FICO, positive DSCR, ##XXX##, no negative credit whatsoever | 10/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 640 B A |
| 263943 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/10/2025 | Resolved | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements A gift of equity letter from the selling entity to the buying entity for approximately XXX is provided. The HUD reflects the gift of equity was $XXX. The donor of the gift of equity must be from a family member. No Family relationship between the selling entity and buying entity is established. In addition, the amount of the gift of equity on the letter does not match the actual gift shown on the HUD. Provide proof of a family relationship between the members of the selling entity and the buying entity. The gift of equity on the letter must match the amount on the HUD. GL XX/XX/XXXX | Uploading gift letter stating relationship between selling entity and buying entity (XXX is XXX to borrower and other sellers are her siblings). Please refer to item XXX in the letter. Same gift letter States "The Sellers are gifting equity to the Borrower in the amount necessary to cover Real EState Taxes, Costs, etc. for the buyer." Please refer to item XXX in the letter. This general Statement was deemed acceptable by XXX to avoid the need for multiple revised gift letters | 10/14/2025 | Asset Qualification Meets Guideline Requirements | 10/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 640 B A |
| 263943 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/10/2025 | Acknowledged | FCRE0382 | Credit | Assets do not meet guideline requirements | When the Total Qualified Asset Post Close field contains a negative value, the required assets do not meet guidelines. Hud shows XXX was due from the borrower at closing. The XXX Statements in the file do not reflect the borrower as account holder. Provide borrowers most recent bank Statement with sufficient funds for closing. GL XX/XX/XXXX | Uploading updated ULAW with comp factors | 10/14/2025 | Lender exception approval provided -. Ok per XXX to revise loan to non-arms length transaction. Ok per XXX for missing most recent Statement with sufficient funds to close. Comp factors XXX FICO, positive DSCR, ##XXX##, no negative credit whatsoever | 10/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 640 B A |
| 263943 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/10/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 10/10/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 640 B A |
| 672223 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/10/2025 | Resolved | FCRE1360 | Credit | Borrower 2 Paystubs Missing | Borrower 2 Paystubs Missing Income documents are missing for Borrower 2. Income was used to qualify. | Uploading paystubs | 10/15/2025 | Borrower 2 Paystubs Provided or XXX (Number of Borrowers equals XXX) | 10/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 720<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 70%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 70% D A |
| 672223 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/10/2025 | Resolved | FCRE1358 | Credit | Borrower 2 W2/1099 Missing | Borrower 2 W2/XXX Missing. Income documents are missing for Borrower 2. Income was used to qualify. | Uploading W2's | 10/15/2025 | Borrower 2 W2/XXX Provided or XXX (Number of Borrowers equals XXX) | 10/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 720<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 70%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 70% D A |
| 672223 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/09/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 10/13/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 720<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 70%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 70% D A |
| 672223 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/10/2025 | Resolved | FPRO8998 | 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 720<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 70%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 70% D A |
| 436056 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/10/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 10/13/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 640 A |
| 436056 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/13/2025 | Resolved | FCRE8999 | 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 640 A |
| 436056 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/13/2025 | Resolved | FPRO8998 | 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 640 A |
| 128886 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/13/2025 | Resolved | FCRE0360 | Credit | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. The loan application schedule of REO for XXX reflects XXX Monthly Insurance, Taxes, Assoc Dues not included in the monthly mortgage payment. Provide documentation to verify the payment. GL XX/XX/XXXX & XX/XX/XXXX | Uploading "no HOA" LOE and mortgage Statement for 1st lien and HELOC. T&I are escrowed. Uploading updated 1003 and ULAW correcting the REO to remove XXX erroneous payment and reflecting correct rental income | 10/15/2025 | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. | 10/16/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50% is less than Guideline CLTV of 65%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 700<br> Original LTV is Below the Guideline Maximum - Calculated LTV of 50% is less than Guideline LTV of 65%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 128886 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/13/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. Check XXX with Exclusioanry lists. | Uploaded DV for clearance | 10/15/2025 | All Interested Parties Checked against Exclusionary Lists | 10/16/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50% is less than Guideline CLTV of 65%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 700<br> Original LTV is Below the Guideline Maximum - Calculated LTV of 50% is less than Guideline LTV of 65%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 128886 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/10/2025 | Resolved | FCOM8997 | 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% is less than Guideline CLTV of 65%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 700<br> Original LTV is Below the Guideline Maximum - Calculated LTV of 50% is less than Guideline LTV of 65%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 128886 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/13/2025 | Resolved | FPRO8998 | 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% is less than Guideline CLTV of 65%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 700<br> Original LTV is Below the Guideline Maximum - Calculated LTV of 50% is less than Guideline LTV of 65%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 826422 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/13/2025 | Resolved | FCRE8999 | 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. A |
| 826422 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/13/2025 | Resolved | FPRO8998 | 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. A |
| 826422 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/13/2025 | Resolved | finding-XXX | Compliance | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation 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 ##_DL_##(ii)) 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 | 10/13/2025 | Borrower has stable job time - Borrower has XXX years on job. A |
| 826422 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/13/2025 | Resolved | finding-XXX | Compliance | XXX nonprime Home Loan Test | HPML Compliant This loan failed the XXX nonprime home loan test he loan is a nonprime home loan, as defined in the legislation. For more information please see the XXX Nonprime Home Loan Article section of the full ComplianceAnalyzer report hile the XXX Nonprime Home Loan provisions specify that lenders may lawfully make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy nonprime home loans even if the additional conditions are met. |  |  | Compliant | 10/13/2025 | Borrower has stable job time - Borrower has XXX years on job. A |
| 674753 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/13/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 10/13/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of 50.49%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of 62.86% is less than Guideline LTV of 80%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.86% is less than Guideline CLTV of 80%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 674753 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/13/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 10/13/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of 50.49%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of 62.86% is less than Guideline LTV of 80%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.86% is less than Guideline CLTV of 80%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 674753 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/13/2025 | Resolved | finding-XXX | Compliance | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation 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 ##_DL_##(ii)) 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 | 10/13/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of 50.49%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of 62.86% is less than Guideline LTV of 80%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.86% is less than Guideline CLTV of 80%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 441354 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/13/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. Check XXX with Exclusionary lists. | Document Uploaded. Uploaded DV for clearance | 10/15/2025 | All Interested Parties Checked against Exclusionary Lists | 10/16/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 620<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 25.97% is less than Guideline CLTV of 70%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of 50%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of 25.97% is less than Guideline LTV of 70% A |
| 441354 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/13/2025 | Resolved | finding-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 ##_DL_##(ii)) 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 | 10/13/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 620<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 25.97% is less than Guideline CLTV of 70%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of 50%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of 25.97% is less than Guideline LTV of 70% A |
| 441354 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/13/2025 | Resolved | FPRO8998 | 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.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 620<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 25.97% is less than Guideline CLTV of 70%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of 50%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of 25.97% is less than Guideline LTV of 70% A |
| 656390 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/13/2025 | Cured | finding-XXX | Compliance | Charges That In Total Cannot Increase More Than 10% Test | TILA 130b Cure Required. Refund in the amount of XXX cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The XXX% tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Recording Fee On PCCD dated XX/XX/XXXX This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR ##_DL_##(ii))]] The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). | Document Uploaded. Please review the correction of errors. | 10/16/2025 | Cure package provided to the borrower; exception downgraded to a 2/B; Cure package provided to the borrower; exception downgraded to a 2/B | 10/20/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 90%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of 40%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 90%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 656390 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/13/2025 | Resolved | FCRE1241 | Credit | Purchase Contract is Missing | Loan Purpose is Purchase but Purchase Contract Doc is Missing | Uploading escrow instructions and LOE stating "escrow instructions serve as the contract" | 10/15/2025 | Purchase Contract Doc is not Missing, or is XXX. | 10/16/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 90%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of 40%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 90%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 656390 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/13/2025 | Resolved | FPRO8998 | 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 60% is less than Guideline CLTV of 90%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of 40%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 90%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 656390 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/13/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 10/13/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 90%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of 40%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 90%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 213718 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/13/2025 | Resolved | FCRE2900 | Credit | Borrower Non-US Citizen Identification Document Missing | Non XXX Borrower is missing Identification Document. Non-permanent resident must have proof of legal residency. Provide an unexpired Employment Authorization document (EAD), or valid VISA. GL XX/XX/XXXX | Uploading EAD | 10/17/2025 | Borrower Identification Document provided. | 10/21/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of 50% A |
| 213718 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/13/2025 | Resolved | FCRE1204 | Credit | Fraud Report Shows Uncleared Alerts | Fraud Report Shows Uncleared Alerts Verify the social security number belongs to the borrower. Provide SSA-XXX results. |  |  | All Fraud Report Alerts have been cleared or None Exist | 10/21/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of 50% A |
| 213718 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/13/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. Check XXX with Exclusionary lists. | Uploaded DV for clearance | 10/15/2025 | All Interested Parties Checked against Exclusionary Lists | 10/21/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of 50% A |
| 213718 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/13/2025 | Acknowledged | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements A 65% LTV permits Stated assets. However, the loan application assets section is blank. The source of funds for closing and EMD should be reflected on the loan application. Provide the source of funds used for EMD and closing. If a business account is listed, provide a letter stating impact on business. GL XX/XX/XXXX & XX/XX/XXXX | Uploading updated 1003 reflecting assets and EMD. Uploading updated ULAW with comp factors. | 10/17/2025 | Lender exception approval provided - Ok per XXX for missing business impact LOE. Comp factors XXX% DTI, ##XXX##, XXX yrs S/E, perfect mortgage history for XXX yrs.. | 10/21/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of 50% A |
| 213718 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/13/2025 | Resolved | FPRO8998 | 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.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of 50% A |
| 213718 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/13/2025 | Acknowledged | FCRE9785 | Credit | Purchase Contract is Incomplete | Loan Purpose is Purchase but Purchase Contract Doc is Incomplete The contract reflects XXX as Buyer. Provide the contract addendum to reflect XXX as buyer. |  |  | Acknowledged as 2/B grading per client request | 10/13/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of 50% A |
| 277877 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/13/2025 | Resolved | FCRE1303 | Credit | Income 12 Months Income Verified is Missing | Income 1XXX Months Income Verified is Missing Need taxes for XXX | Uploading tax cert and APN screen shot for XXX | 10/15/2025 | Income 1XXX Months Income Verified is Present Or XXX | 10/16/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of 50.49% A |
| 277877 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/13/2025 | Resolved | FCRE1157 | Credit | Hazard Insurance Policy is Missing | Missing Hazard Insurance Policy Need policy that shows annual premium | Uploading HOI policy for subject | 10/15/2025 | Hazard Insurance Policy is fully present | 10/16/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of 50.49% A |
| 277877 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/13/2025 | Resolved | FCRE1302 | Credit | Income 11 Months Income Verified is Missing | Income 1XXX Months Income Verified is Missing Need HOI and taxes for XXX | Uploading tax cert and APN screen shot for XXX. Property is vacant land, so no insurance is required | 10/15/2025 | Income 1XXX Months Income Verified is Present Or XXX | 10/16/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of 50.49% A |
| 277877 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/13/2025 | Resolved | FPRO8998 | 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.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of 50.49% A |
| 949173 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/16/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 10/16/2025 | A |
| 949173 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/16/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 10/16/2025 | A |
| 676809 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/16/2025 | Resolved | FCRE2900 | Credit | Borrower Non-US Citizen Identification Document Missing | Non XXX Borrower is missing Identification Document. Need work visa or EAD per guidelines | Loan is for an ITIN borrower, not an XXX. ITIN borrowers need only provide validation of the ITIN and picture ID and both have been satisfied. | 10/17/2025 | Borrower Identification Document provided. | 10/21/2025 | Borrower has stable job time - Borrower has XXX years on job. D A |
| 676809 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/16/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 10/16/2025 | Borrower has stable job time - Borrower has XXX years on job. D A |
| 676809 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/16/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 10/16/2025 | Borrower has stable job time - Borrower has XXX years on job. D A |
| 794742 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/16/2025 | Resolved | FCOM1207 | Compliance | The Note is Not Executed | The Note is Not Executed | Uploaded closing package for clearance | 10/17/2025 | The Note is Executed | 10/21/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of 50.49%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 794742 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/16/2025 | Resolved | FCRE1118 | Credit | Borrower 1 Deed of Trust Signature does not match Note | Borrower 1 Signature does not match Note | Uploaded Closing packages for clearance | 10/17/2025 | Borrower 1 Signature matches Note | 10/21/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of 50.49%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 794742 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/16/2025 | Resolved | FCOM1223 | Credit | The Deed of Trust is Not Executed | The Deed of Trust is Not Executed | Uploaded closing package for clearance | 10/17/2025 | The Deed of Trust is Executed | 10/21/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of 50.49%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 794742 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/16/2025 | Resolved | FCRE1440 | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements | Uploading credit supp for XXX and XXX, the latter only rated for XXX months since it was only recently purchased. | 10/17/2025 | Housing History Meets Guideline Requirements | 10/21/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of 50.49%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 794742 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/16/2025 | Resolved | FCRE5116 | Credit | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. | Uploading credit supp for XXX and XXX, the latter only rated for XXX months since it was only recently purchased. | 10/17/2025 | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing | 10/21/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of 50.49%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 794742 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/16/2025 | Resolved | FCRE1293 | Credit | Income 2 Months Income Verified is Missing | Income 2 Months Income Verified is Missing Need documentation that supports full PITIA of property. Note, deed or CD hasnt been fully executed | t appears the closing documents were not sent to reviewer, sending the full package for review with full PITIA validated. | 10/17/2025 | Income 2 Months Income Verified is Present Or XXX | 10/21/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of 50.49%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 794742 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/16/2025 | Resolved | FCRE1294 | Credit | Income 3 Months Income Verified is Missing | Income 3 Months Income Verified is Missing Need documentation that supports full PITIA of property. | It appears the closing documents were not sent to reviewer, sending the full package for review with full PITIA validated. | 10/17/2025 | Income 3 Months Income Verified is Present Or XXX | 10/21/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of 50.49%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 794742 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/16/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 10/16/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of 50.49%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 370731 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/16/2025 | Resolved | FCRE0360 | Credit | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. A VOR from the property manager is in the file. The VOR section: Account in the name of, is blank. Provide a VOR showing name the account is held in completed. GL XX/XX/XXXX XX/XX/XXXX | Uploading rental payment ledger | 10/20/2025 | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. | 10/21/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 640<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 370731 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/16/2025 | Acknowledged | FCRE1198 | Credit | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Audited Reserves of XXX month(s) are less than Guideline Required Reserves of XXX month(s) Gifts totaling XXX were deposited into XXX #XXX; XXX on XX/XX/XXXX and XXX on XX/XX/XXXX. The Lender included the remaining gift funds in the total reserves. However, gift funds are not eligible for reserves. XXX shows XXX available for reserves. Provide proof via XXX months bank Statements, (of borrowers own funds), available to meet XXX months required reserves. GL XX/XX/XXXX | Uploading updated ULAW with comp factors | 10/20/2025 | Lender exception approval provided - Ok per XXX for shortage of required reserves. Comp factors XXX FICO, XXX% DTI, same employer XXX yrs, subject C3 condition. | 10/21/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 640<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 370731 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/16/2025 | Acknowledged | FCRE9995 | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of XXX are less than Guideline Required Reserves of $XXX. Gifts totaling XXX were deposited into XXX #XXX; XXX on XX/XX/XXXX and XXX on XX/XX/XXXX. The Lender included the remaining gift funds in the total reserves. However, gift funds are not eligible for reserves. XXXshows XXX available for reserves. Provide proof via XXX months bank Statements, (of borrowers own funds), available to meet XXX months required reserves. GL XX/XX/XXXX | Uploading updated ULAW with comp factors | 10/20/2025 | Lender exception approval provided - Ok per XXX for shortage of required reserves. Comp factors XXX FICO, XXX% DTI, same employer XXX yrs, subject C3 condition. | 10/21/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 640<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 370731 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/16/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/17/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 640<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 370731 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/16/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/17/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 640<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 984065 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/17/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Document Uploaded. Please review the attached CDA. | 10/17/2025 | Third party valuation product provided within tolerance. | 10/21/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 85%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 85% A |
| 984065 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/17/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/17/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 85%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 85% A |
| 515948 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/17/2025 | Acknowledged | FCRE3605 | Credit | Asset Documents are Incomplete | Asset Documents are Incomplete: The gift letter reflects XXX to be given from XXX #XXX. A cashiers check for XXX was sent to closing. The receipt for the gift does not show the account number with XXX. The July XXX #XXX is in the file. The donor must provide account Statements covering the most recent XXX months to establish her ability to provide the gift. In addition, the donor's funds must be seasoned a minimum of XXX days and proof the funds were withdrawn. Provide donor XXX #XXX Statement showing XXX withdrawn. GL XX/XX/XXXX | The exception did cover the gift funds as-is, this means we are accepting everything we have for all the requirements for gift funds.; Uploading updated ULAW with comp factors | 10/21/2025 | Lender exception to accept receipt of gift funds as is approved by XXX. Seasoning/Source of gift funds falls under same section as Receipt of Gift Funds and exception applies to both per Lender.; The ULAW uploaded to the other exception does not address the seasoning and proof of XXX gift funds. The donor must provide account Statements covering the most recent XXX months to establish her ability to provide the gift. In addition, the donor's funds must be seasoned a minimum of XXX days and proof the funds were withdrawn. Provide donor XXX #XXX Statement showing XXX withdrawn. GL XX/XX/XXXX | 10/22/2025 | D B A |
| 515948 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/17/2025 | Acknowledged | FCRE0382 | Credit | Assets do not meet guideline requirements | When the Total Qualified Asset Post Close field contains a negative value, the required assets do not meet guidelines. The borrower deposited XXX to closing with certified check. However, borrowers verified assets are $XXX. There is a shortage of $XXX. XXX funds must be seasoned a minimum of XXX days. Provide borrowers bank Statement or transaction printout to verify available assets totaling $XXX. GL XX/XX/XXXX | Uploading updated ULAW with comp factors | 10/20/2025 | Lender exception approval provided - Ok per XXX for shortage of XXX AND to accept receipt of gift funds as is. Comp factors ##XXX##, XXX FICO, subject C3 condition.. | 10/21/2025 | D B C A |
| 515948 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/17/2025 | Acknowledged | FCRE1183 | Credit | Approval/Underwriting Summary Partially Provided | Approval/Underwriting Summary Partially Provided. The Underwriting Loan Approval Worksheet (ULAW) reflects HI as XXX per month and DSCR of XXX. Provide the Final ULAW with the correct HI of XXX and DSCR XXX |  |  | Acknowledged as 2/B grading per client request. | 10/17/2025 | D B A |
| 515948 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/17/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/17/2025 | D B A |
| 597538 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/13/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 09/19/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 71.33% is less than Guideline LTV of 90%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 71.33% is less than Guideline CLTV of 90%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 597538 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/13/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/19/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 71.33% is less than Guideline LTV of 90%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 71.33% is less than Guideline CLTV of 90%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 753969 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/06/2025 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The eSigned documents consent is missing. Provide eConsent dated on or before XX/XX/XXXX. | Document Uploaded. Please see econsent | 08/07/2025 | Evidence of eConsent is provided.; The eSigned consent disclosure is missing. The eSigned documents consent is missing. Provide eConsent dated on or before XX/XX/XXXX. | 08/08/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 720<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of 55% A |
| 753969 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/05/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 08/06/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 720<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of 55% A |
| 753969 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/05/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 08/06/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 720<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of 55% A |
| 281669 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/06/2025 | Cured | finding-XXX | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XXX CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure required: Cure of XXX required for increase in transfer taxes. The COC indicates additional service necessary such as survey, however, this is insufficient for increase in transfer taxes. Transfer taxes normally are determined by the loan amount. If the survey required an increase in transfer taxes, please provide explanation as to how or cure. Cure requires PCCD, LOE, and copy of refund check. | Document Uploaded. Please see attached revised PCCD, LOE, and proof of refund delivery | 08/13/2025 | Cure package provided to the borrower; Exception downgraded to a 2/B | 08/15/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 56.21% is less than Guideline LTV of 70%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.21% is less than Guideline CLTV of 70%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of 55%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 660 A |
| 281669 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/06/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 08/06/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 56.21% is less than Guideline LTV of 70%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.21% is less than Guideline CLTV of 70%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of 55%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 660 A |
| 281669 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/06/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 08/06/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 56.21% is less than Guideline LTV of 70%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.21% is less than Guideline CLTV of 70%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of 55%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 660 A |
| 255026 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/20/2025 | Resolved | FCRE1316 | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing - An internet search of the business is required with documentation to be included in the credit file to support the existence of the business. | Document Uploaded. | 08/25/2025 | Documentation is sufficient. Business Search provided. Exception resolved.; Borrower 1 3rd Party VOE Prior to Close Was Provided | 08/26/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 740<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of 55%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 255026 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/21/2025 | Resolved | finding-XXX | Compliance | Higher-Priced Mortgage Loan Test | HPML escrow established, appraisal requirement 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 ##_DD_## , 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 escrow established, appraisal requirement 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 ##_DD_## , some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. | 08/21/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 740<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of 55%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 255026 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/20/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 08/21/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 740<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of 55%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 501093 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/20/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 08/20/2025 | A |
| 501093 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/20/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 08/20/2025 | A |
| 501093 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/20/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 08/20/2025 | A |
| 555898 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/25/2025 | Cured | FCOM1263 | Compliance | Right of Rescission is Partially Provided | Right of Rescission is Partially Provided The notice of right to cancel is signed on the cancel line by the borrower but not executed on the line where it States the borrower has received the disclosure. | Document Uploaded. | 09/02/2025 | Cure package provided to the borrower; exception downgraded to a 2/B | 09/04/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.26% is less than Guideline CLTV of 90%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of 57.8% is less than Guideline LTV of 90%<br> Borrower has stable job time - Borrower has XXX years on job. D A |
| 555898 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/22/2025 | Resolved | FCRE1170 | Credit | Flood Insurance Expiration Date is before the Disbursement Date | Flood Insurance Expiration Date of XX/XX/XXXX is prior to the Disbursement Date of XX/XX/XXXX The renewal flood insurance required with an effective date of XX/XX/XXXX. | Document Uploaded. Property is not in flood zone, we do not require flood insurance. We did not impound. Not required. | 08/26/2025 | Documentation is sufficient. Flood Insurance coverage not required. Exception resolved.; Flood Insurance Expiration Date of XX/XX/XXXX is equal to or after the Disbursement Date of XX/XX/XXXX Or Flood Insurance Expiration Date Is Not Provided | 08/27/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.26% is less than Guideline CLTV of 90%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of 57.8% is less than Guideline LTV of 90%<br> Borrower has stable job time - Borrower has XXX years on job. D A |
| 555898 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/22/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 08/25/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.26% is less than Guideline CLTV of 90%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of 57.8% is less than Guideline LTV of 90%<br> Borrower has stable job time - Borrower has XXX years on job. D A |
| 225019 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/22/2025 | Resolved | FCOM1223 | Credit | The Deed of Trust is Not Executed | The Deed of Trust is Not Executed | Document Uploaded. | 08/26/2025 | Documentation is sufficient. Updated Deed provided. Exception resolved.; The Deed of Trust is Executed | 08/27/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of 55%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 225019 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/25/2025 | Resolved | finding-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 ##_DD_## , 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 escrow established, appraisal requirement 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 ##_DD_## , 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 escrow established, appraisal requirement met |  | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. | 08/25/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of 55%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 225019 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/22/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 08/25/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of 55%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 551619 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/22/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 08/25/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of 50% A |
| 551619 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/22/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 08/25/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of 50% A |
| 551619 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/23/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 08/25/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of 50% A |
| 154148 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/22/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 08/25/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 740 A |
| 154148 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/22/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 08/25/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 740 A |
| 154148 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/22/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 08/25/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 740 A |
| 333210 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/22/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 08/25/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.19% is less than Guideline CLTV of 70%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 56.19% is less than Guideline LTV of 70% A |
| 333210 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/22/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 08/25/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.19% is less than Guideline CLTV of 70%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 56.19% is less than Guideline LTV of 70% A |
| 333210 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/22/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 08/25/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.19% is less than Guideline CLTV of 70%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 56.19% is less than Guideline LTV of 70% A |
| 388246 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/23/2025 | Resolved | finding-XXX | Compliance | Higher-Priced Mortgage Loan Test | HML escrow established, appraisal requirement 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 ##_DD_## , some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | HML escrow established, appraisal requirement 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 ##_DD_## , some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Informational |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 700<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of 50%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 388246 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/22/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 08/25/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 700<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of 50%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 388246 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/22/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 08/25/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 700<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of 50%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 184458 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/22/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 08/25/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 740<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 44.59% is less than Guideline CLTV of 70%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of 44.59% is less than Guideline LTV of 70% A |
| 184458 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/22/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 08/25/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 740<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 44.59% is less than Guideline CLTV of 70%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of 44.59% is less than Guideline LTV of 70% A |
| 184458 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/22/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 08/25/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 740<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 44.59% is less than Guideline CLTV of 70%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of 44.59% is less than Guideline LTV of 70% A |
| 295697 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/22/2025 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: Appraisal: ADU box is checked. Appraiser did not provide XXX comparables with an ADU as one was a listing, not a closed sale. Appraisal pictures State it's an enclosed patio/rec room w/bath. Appraiser to confirm it's an ADU. ADU Lender guidelines require XXX comparable sales, and a Statement that the Property is typical, readily acceptable, and common in the subject's market area, and conforms to all zoning laws and regulations. | Document Uploaded. | 09/15/2025 | Documentation is sufficient. Updated appraisal provided. Exception resolved. ; Property/Appraisal Meets Guidelines | 09/16/2025 | Borrower has stable job time - Borrower has XXX years on job. D A C |
| 295697 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/22/2025 | Resolved | FCRE0360 | Credit | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. - a legible signed and dated VOM is required, one in file is not legible. | Document Uploaded. | 09/10/2025 | Documentation is sufficient. VOM provided. Exception resolved.; Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. | 09/11/2025 | Borrower has stable job time - Borrower has XXX years on job. D A C |
| 295697 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/22/2025 | Resolved | FCRE1316 | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing - guidelines require documentation confirming XXX years of self-employment in the current profession. |  |  | Borrower 1 3rd Party VOE Prior to Close Was Provided | 08/28/2025 | Borrower has stable job time - Borrower has XXX years on job. D A C |
| 295697 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/22/2025 | Resolved | FCRE1325 | Credit | Borrower 1 CPA Letter Missing | Borrower 1 CPA Letter Missing - Guidelines require documentation reflecting the CPA is currently licensed in their State, or the EA/CTEC/PTIN and is currently active. | Document Uploaded. | 08/27/2025 | Borrower 1 CPA Letter Provided | 08/28/2025 | Borrower has stable job time - Borrower has XXX years on job. D A C |
| 295697 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/22/2025 | Resolved | FCRE1326 | Credit | Borrower 1 YTD Profit & Loss Missing | Borrower 1 YTD Profit & Loss Missing Profit & Loss is not dated within XXX days of the Note. P&L ending date is XX/XX/XXXX compared to the Note date of XX/XX/XXXX, which is XXX days. |  |  | Borrower 1 YTD Profit & Loss Provided | 08/28/2025 | Borrower has stable job time - Borrower has XXX years on job. D A C |
| 295697 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/25/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 08/25/2025 | Borrower has stable job time - Borrower has XXX years on job. D A C |
| 922979 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/22/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 08/25/2025 | A |
| 922979 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/22/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 08/25/2025 | A |
| 922979 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/22/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 08/25/2025 | A |
| 818269 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/22/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 08/25/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 720 A |
| 818269 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/22/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 08/25/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 720 A |
| 818269 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/22/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 08/25/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 720 A |
| 848823 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/25/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 08/26/2025 | A |
| 848823 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/25/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 08/26/2025 | A |
| 848823 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/25/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 08/26/2025 | A |
| 392073 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/25/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 08/26/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 740 A |
| 392073 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/25/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 08/26/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 740 A |
| 392073 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/26/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 08/26/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 740 A |
| 899127 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/25/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 08/26/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 740<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of 55% A |
| 899127 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/25/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 08/26/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 740<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of 55% A |
| 899127 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/26/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 08/26/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 740<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of 55% A |
| 542274 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/25/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 08/26/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 85%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 85% A |
| 542274 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/25/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 08/26/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 85%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 85% A |
| 542274 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/25/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 08/26/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 85%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 85% A |
| 230145 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/25/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 08/26/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 740<br> Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 230145 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/25/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 08/26/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 740<br> Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 230145 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/26/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 08/26/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 740<br> Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 144379 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/25/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 08/26/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 740 A |
| 144379 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/25/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 08/26/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 740 A |
| 144379 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/25/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 08/26/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 740 A |
| 726690 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/25/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 08/26/2025 | Borrower has stable job time - Borrower has XXX years on job. A |
| 726690 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/25/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 08/26/2025 | Borrower has stable job time - Borrower has XXX years on job. A |
| 726690 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/25/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 08/26/2025 | Borrower has stable job time - Borrower has XXX years on job. A |
| 804349 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/26/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 08/27/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 41.45% is less than Guideline LTV of 85%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 41.45% is less than Guideline CLTV of 85% A |
| 804349 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/26/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 08/27/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 41.45% is less than Guideline LTV of 85%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 41.45% is less than Guideline CLTV of 85% A |
| 804349 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/26/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 08/27/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 41.45% is less than Guideline LTV of 85%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 41.45% is less than Guideline CLTV of 85% A |
| 470481 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/26/2025 | Rescinded | FCRE1248 | Credit | Purchase is not considered to be an Arm's Length Transaction | Purchase is not considered to be an Arm's Length Transaction Missing letter of explanation from the borrower as to the nature of the borrowers relationship to the seller whether it is family or business. Per guidelines a non-arm's length transaction is permitted but is not intended to bail out a family member who has had difficulties making their mortgage payment. Therefore a thorough review of the title report is these cases is required as well as the payment history patter on the seller's mortgage. | Please point out where in the file it is indicated that the borrower and seller are not arm's length. | 08/28/2025 | Documentation is sufficient. Arm's length transaction, per Appraisal. Exception rescinded.; Purchase is considered to be an Arm's Length Transaction, or XXX | 08/29/2025 | A |
| 470481 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/26/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 08/27/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 740 A |
| 470481 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/26/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 08/27/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 740 A |
| 544895 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/26/2025 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Missing evidence of existence of the borrowers additional XXX/XXX as indicated on the Invoice provided for the secondary income identified on the bank Statements - guidelines require evidence of existence of the business within XXX days of note date. | Document Uploaded. | 08/29/2025 | Documentation is sufficient. Explanation provided is acceptable. Exception resolved.; Income and Employment Meet Guidelines | 09/02/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.49% is less than Guideline CLTV of 90%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 740<br> Original LTV is Below the Guideline Maximum - Calculated LTV of 63.49% is less than Guideline LTV of 90% A |
| 544895 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/26/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 08/27/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.49% is less than Guideline CLTV of 90%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 740<br> Original LTV is Below the Guideline Maximum - Calculated LTV of 63.49% is less than Guideline LTV of 90% A |
| 544895 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/27/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 08/27/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.49% is less than Guideline CLTV of 90%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 740<br> Original LTV is Below the Guideline Maximum - Calculated LTV of 63.49% is less than Guideline LTV of 90% A |
| 668678 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/26/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 08/27/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of 55%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 740<br> Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% A |
| 668678 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/26/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 08/27/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of 55%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 740<br> Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% A |
| 668678 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/27/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 08/27/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of 55%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 740<br> Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% A |
| 681412 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/26/2025 | Resolved | FCOM1221 | Credit | The Deed of Trust is Incomplete | The Deed of Trust is Incomplete Missing borrower's signature on the Deed of Trust. Borrower signed as the trust settlor but the individual signature line is blank. | Document Uploaded. | 09/03/2025 | Documentation is sufficient. Updated Deed of Trust provided. Exception resolved.; The Deed of Trust is Present and Complete | 09/04/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 85%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 740<br> Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 85% D A |
| 681412 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/26/2025 | Resolved | FCRE9814 | Credit | Missing Trust Agreement | Missing Trust Agreement Missing executed Certificate of Trust. | Document Uploaded. | 08/28/2025 | Documentation is sufficient. Trust provided. Exception resolved.; Trust Agreement Meets Guideline Requirements | 08/29/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 85%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 740<br> Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 85% D A |
| 681412 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/26/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 08/27/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 85%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 740<br> Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 85% D A |
| 681412 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/26/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 08/27/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 85%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 740<br> Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 85% D A |
| 791614 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/26/2025 | Resolved | FCRE1159 | Credit | Hazard Insurance Effective Date is after the Disbursement Date | Hazard Insurance Effective Date of XX/XX/XXXX is after the Disbursement Date of XX/XX/XXXX. | Document Uploaded. | 08/28/2025 | Documentation is sufficient. Updated policy provided. Exception resolved.; Hazard Insurance Effective Date of XX/XX/XXXX is prior to or equal to the Disbursement Date of XX/XX/XXXX Or Hazard Insurance Effective Date Is Not Provided. | 08/29/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of 55% A |
| 791614 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/26/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 08/27/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of 55% A |
| 791614 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/27/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 08/27/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of 55% A |
| 231278 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/26/2025 | Resolved | FCRE1151 | Credit | Satisfactory Chain of Title not Provided | Unsatisfactory Chain of Title provided Missing 24 Month Chain Of Title. | Document Uploaded. | 09/05/2025 | Documentation is sufficient. Chain of Title provided. Exception resolved. ; Satisfactory Chain of Title has been provided | 09/08/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 740 A |
| 231278 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/26/2025 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: Sales contract reflects a mold issue in the attic that seller was to correct, install proper ventilation, and provide proper documentation, including but not limited to, before and after report, photo evidence that the mold issue has been addressed. No documentation was found in file. | Document Uploaded. | 09/03/2025 | Documentation is sufficient. Completion invoice provided. Exception resolved.; Property/Appraisal Meets Guidelines | 09/04/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 740 A |
| 231278 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/27/2025 | Resolved | finding-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 ##_DD_## , 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 escrow established, appraisal requirement 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 ##_DD_## , 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 escrow established, appraisal requirement met |  | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. | 08/27/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 740 A |
| 198220 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/27/2025 | Resolved | FCOM1621 | Compliance | Missing Initial Escrow Disclosure | Initial Escrow Account Disclosure is Missing Documentation Required Missing initial escrow account disclosure from the file | Document Uploaded. | 08/28/2025 | Initial Escrow Account Disclosure is Resolved | 08/28/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of 55% A |
| 198220 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/27/2025 | Resolved | finding-XXX | Compliance | Higher-Priced Mortgage Loan Test | HPML escrow established, appraisal requirement 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 ##_DD_## , 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 escrow established, appraisal requirement 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 ##_DD_## , some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. | 08/27/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of 55% A |
| 198220 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/26/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 08/27/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of 55% A |
| 198220 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/27/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 08/27/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of 55% A |
| 348165 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/26/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 08/27/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% A |
| 348165 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/26/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 08/27/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% A |
| 348165 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/26/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 08/27/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% A |
| 894234 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/27/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 08/28/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 66.32% is less than Guideline LTV of 80%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.32% is less than Guideline CLTV of 80% A |
| 894234 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/27/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 08/28/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 66.32% is less than Guideline LTV of 80%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.32% is less than Guideline CLTV of 80% A |
| 894234 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/28/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 08/28/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 66.32% is less than Guideline LTV of 80%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.32% is less than Guideline CLTV of 80% A |
| 212857 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/30/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 09/03/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% A |
| 212857 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/30/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/03/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% A |
| 212857 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/03/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 09/03/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% A |
| 533477 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/03/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 09/08/2025 | A |
| 533477 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/03/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 09/08/2025 | A |
| 533477 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/03/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/08/2025 | A |
| 460936 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/03/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 09/08/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 740 A |
| 460936 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/03/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 09/08/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 740 A |
| 460936 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/03/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/08/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 740 A |
| 179029 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/03/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/08/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 740 A |
| 179029 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/03/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 09/08/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 740 A |
| 179029 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/03/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 09/08/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 740 A |
| 255937 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/03/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 09/08/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 740 A |
| 255937 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/03/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 09/08/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 740 A |
| 255937 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/03/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/08/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 740 A |
| 288403 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/04/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 09/08/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 700<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of 55%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 288403 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/04/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/08/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 700<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of 55%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 288403 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/05/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 09/08/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 700<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of 55%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 630866 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/04/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 09/08/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 45.91% is less than Guideline LTV of 90%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 740<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 45.91% is less than Guideline CLTV of 90% A |
| 630866 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/04/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/08/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 45.91% is less than Guideline LTV of 90%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 740<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 45.91% is less than Guideline CLTV of 90% A |
| 630866 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/05/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 09/08/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 45.91% is less than Guideline LTV of 90%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 740<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 45.91% is less than Guideline CLTV of 90% A |
| 299306 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/04/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 09/08/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 740 A |
| 299306 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/04/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/08/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 740 A |
| 299306 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/04/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 09/08/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 740 A |
| 412969 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/05/2025 | Rescinded | finding-XXX | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XXX CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to 12 CFR ##_DD_## , is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130B Cure Required, refund in the amount of XXX for Appraisal Inspection fee, Cure package requires PCCD, LOE, copy of refund check, proof of delivery or valid coc. The Appraisal Inspection fee was added to the LE issued XX/XX/XXXX without a valid reason. | Document Uploaded. | 09/11/2025 | Valid COC provided in file; Exception resolved; Valid COC provided in file; Exception resolved | 09/12/2025 | C A |
| 412969 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/04/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/08/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of 50%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 412969 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/04/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 09/08/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of 50%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 958171 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/05/2025 | Resolved | finding-XXX | Compliance | TILA Right of Rescission Test | This loan failed the TILA right of rescission test losed-end [[(12 CFR ##_DD_## , transferred from 12 CFR ##_CL_##), Open-end [[(12 CFR ##_DO_## , transferred from XXX CFR §226.15(a)(3) he funding date is before the third business day following consummation he consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR ##_DE_## or §1026.15, or delivery of all material disclosures, whichever occurs last. Per the CD issued XX/XX/XXXX the disbursement date is XX/XX/XXXX; however, the loan didn't close until XX/XX/XXXX; therefore, the loan should not have disbursed prior to XX/XX/XXXX. Documentation required: Final CD signed at closing or PCCD with LOE, copy of refund and proof of delivery. | Document Uploaded. | 09/09/2025 | Final CD provided; Exception resolved; Final CD provided; Exception resolved | 09/09/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 71.43% is less than Guideline CLTV of 85%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of 71.43% is less than Guideline LTV of 85% D A |
| 958171 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/04/2025 | Resolved | FCOM1544 | Compliance | TRID: Missing Closing Disclosure | TRID: Missing Final Closing Disclosure Documentation Required The fully-executed final CD is missing. | Document Uploaded. | 09/09/2025 | TRID: Final Closing Disclosure Provided | 09/09/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 71.43% is less than Guideline CLTV of 85%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of 71.43% is less than Guideline LTV of 85% D A |
| 958171 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/04/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/08/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 71.43% is less than Guideline CLTV of 85%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of 71.43% is less than Guideline LTV of 85% D A |
| 958171 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/04/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 09/08/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 71.43% is less than Guideline CLTV of 85%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of 71.43% is less than Guideline LTV of 85% D A |
| 812439 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/04/2025 | Rescinded | FCRE9785 | Credit | Purchase Contract is Incomplete | Loan Purpose is Purchase but Purchase Contract Doc is Incomplete The fully-executed addendum, extending the closing date to XX/XX/XXXX, is missing. | Not required per our GLs or FNMA. Deed has been signed, deed becomes the controlling document for ownership. | 09/08/2025 | Documentation is sufficient. Transaction completed. Addendum not required. Exception rescinded.; Purchase Contract Doc is complete. | 09/10/2025 | A |
| 812439 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/04/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/08/2025 | A |
| 812439 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/05/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 09/08/2025 | A |
| 401877 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/04/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/08/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.5% is less than Guideline CLTV of 80%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of 62.5% is less than Guideline LTV of 80% A |
| 401877 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/04/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 09/08/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.5% is less than Guideline CLTV of 80%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of 62.5% is less than Guideline LTV of 80% A |
| 401877 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/05/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 09/08/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.5% is less than Guideline CLTV of 80%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of 62.5% is less than Guideline LTV of 80% A |
| 171201 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/05/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 09/08/2025 | A |
| 171201 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/05/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 09/08/2025 | A |
| 171201 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/05/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/08/2025 | A |
| 873658 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/05/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 09/08/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of 55%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 90%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 720<br> Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 90% A |
| 873658 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/05/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/08/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of 55%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 90%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 720<br> Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 90% A |
| 873658 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/06/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 09/08/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of 55%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 90%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 720<br> Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 90% A |
| 702627 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/05/2025 | Resolved | FCRE1358 | Credit | Borrower 2 W2/1099 Missing | Borrower 2 W2/XXX Missing. Missing XXX W2 for co-borrower. | Document Uploaded. | 09/09/2025 | Documentation is sufficient. W-2 provided. Exception resolved.; Borrower 2 W2/XXX Provided or XXX (Number of Borrowers equals XXX) | 09/10/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 740<br> Borrower has stable job time - Borrower has XXX years on job. D A |
| 702627 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/05/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/08/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 740<br> Borrower has stable job time - Borrower has XXX years on job. D A |
| 702627 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/06/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 09/08/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 740<br> Borrower has stable job time - Borrower has XXX years on job. D A |
| 658258 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/05/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 09/08/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 700 A |
| 658258 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/05/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/08/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 700 A |
| 658258 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/05/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 09/08/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 700 A |
| 819793 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/05/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 09/08/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 740<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 85%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 85% A |
| 819793 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/05/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 09/08/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 740<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 85%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 85% A |
| 819793 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/05/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/08/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 740<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 85%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 85% A |
| 334094 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/05/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 09/08/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 740 A |
| 334094 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/05/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/08/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 740 A |
| 334094 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/05/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 09/08/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 740 A |
| 812748 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/05/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 09/08/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of 55% A |
| 812748 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/05/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/08/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of 55% A |
| 812748 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/06/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 09/08/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of 55% A |
| 186758 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/05/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 09/08/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of 55%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 680<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 186758 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/05/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/08/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of 55%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 680<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 186758 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/05/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 09/08/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of 55%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 680<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 812114 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/06/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 09/08/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 85%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 740<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 85% A |
| 812114 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/06/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/08/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 85%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 740<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 85% A |
| 812114 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/07/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 09/08/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 85%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 740<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 85% A |
| 658854 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/10/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 09/11/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 740<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 658854 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/10/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/11/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 740<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 658854 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/10/2025 | Resolved | finding-XXX | Compliance | Higher-Priced Mortgage Loan Test | HPML escrow established, appraisal requirement 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 ##XXX## 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 escrow established, appraisal requirement 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 ##XXX## some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Informational | 09/11/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 740<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 658854 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/10/2025 | Resolved | finding-XXX | Compliance | CA AB 260 Higher-Priced Mortgage Loan Test | HPML escrow established, appraisal requirement met This loan failed the CA AB 260 higher-priced mortgage loan test. (CA AB 260, XXX Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | HPML escrow established, appraisal requirement met This loan failed the CA AB 260 higher-priced mortgage loan test. (CA AB 260, XXX Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Informational | 09/11/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 740<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 356113 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/11/2025 | Resolved | finding-XXX | Compliance | CA AB 260 Higher-Priced Mortgage Loan Test | HPML escrow established, appraisal requirement met This loan failed the CA AB 260 higher-priced mortgage loan test. (CA AB 260, XXX Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | HPML escrow established, appraisal requirement met This loan failed the CA AB 260 higher-priced mortgage loan test. (CA AB 260, XXX Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Informational | 09/12/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 740 A |
| 356113 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/11/2025 | Resolved | finding-XXX | Compliance | Higher-Priced Mortgage Loan Test | HPML escrow established, appraisal requirement 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 ##LG## 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 escrow established, appraisal requirement 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 ##LG## some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Informational | 09/12/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 740 A |
| 356113 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/11/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/12/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 740 A |
| 356113 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/11/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 09/12/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 740 A |
| 423911 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/27/2025 | Resolved | FCRE3653 | Credit | Missing letter of explanation | Missing purpose of cash out proceeds - guidelines require the borrower to indicate the purpose of cash out proceeds. | Document Uploaded. | 09/04/2025 | Documentation is sufficient. LOE provided. Exception resolved. | 09/05/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 60.36% is less than Guideline LTV of 80%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60.36% is less than Guideline CLTV of 80%<br> Borrower has stable job time - Borrower has XXX years on job. D A |
| 423911 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/27/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 08/28/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 60.36% is less than Guideline LTV of 80%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60.36% is less than Guideline CLTV of 80%<br> Borrower has stable job time - Borrower has XXX years on job. D A |
| 423911 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/28/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 08/28/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 60.36% is less than Guideline LTV of 80%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60.36% is less than Guideline CLTV of 80%<br> Borrower has stable job time - Borrower has XXX years on job. D A |
| 786004 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/07/2025 | Resolved | FCRE5782 | Credit | Borrower 1 Gap Credit Report is Missing | Borrower 1 Gap Credit Report is Missing Missing gap credit report, as required by guidelines, dated XX/XX/XXXX. | is a XXX loan and doesn't require this | 04/10/2025 | Borrower 1 Gap Credit Report is not missing.; Loan is DSCR – gap credit report is not required. | 04/10/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 700 D B A |
| 786004 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/07/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 700 D B A |
| 786004 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/07/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 700 D B A |
| 786004 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/07/2025 | Acknowledged | FCRE1440 | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements The lender approved exception: XXX loans for this borrower. This is a XXX borrower with free and clear investment properties who does not have a current mortgage or rental history to provide. Additionally, the credit references are bank account references in XXX and the XXX References from his country of origin (the XXX) are not available. The borrower currently lives in XXX. The request6 is to allow all six loans to proceed without a mortgage history and sing XXX bank references outside of the country of origin Compensating Factors: XXX months reserves; DTI / DSCR >XXX; Experienced Investor |  |  | The request is to allow all six loans to proceed without a mortgage history and sing XXX bank references outside of the country of origin Compensating Factors: XXX months reserves; DTI / DSCR >XXX; Experienced Investor |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 700 D B A |
| 681479 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/08/2025 | Resolved | FCRE5782 | Credit | Borrower 1 Gap Credit Report is Missing | Borrower 1 Gap Credit Report is Missing Missing gap credit report as required by guidelines, dated XX/XX/XXXX. | Borrower is a XXX | 04/14/2025 | Borrower 1 Gap Credit Report is not missing.; Loan is DSCR – gap credit report is not required. | 04/15/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 700 D B A |
| 681479 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/08/2025 | Acknowledged | FCRE1440 | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements Exception request: Accepting the Borrower owning all free and clear properties with no current mortgage or rental history. Compensating factors: XXX months reserves greater than program requirement, DSCR > XXX and experienced investor. Exception approved. |  |  | Accepting the Borrower owning all free and clear properties with no current mortgage or rental history. Compensating factors: XXX months reserves greater than program requirement, DSCR > XXX and experienced investor. Exception approved. |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 700 D B A |
| 681479 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/08/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 700 D B A |
| 681479 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/08/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 700 D B A |
| 807627 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/08/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 700 B A |
| 807627 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/08/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | Transaction meets BP guidelines. Transaction is a cash out refinance and is exempt from TRID/QM. According to the BP letter on pages XXX and XXX that no part of the proceeds of the loan will be used for consumer purpose. The loan is in compliance with all applicable laws and regulations. |  |  | Informational |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 700 B A |
| 807627 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/08/2025 | Acknowledged | FCRE1440 | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements The lender approved exception: XXX loans for this borrower. This is a XXX borrower with free and clear investment properties who does not have a current mortgage or rental history to provide. Additionally, the credit references are bank account references in XXX and the XXX. References from his country of origin (the XXX) are not available. The borrower currently lives in XXX. The request is to allow all six loans to proceed without a mortgage history and sing XXX bank references outside of the country of origin Compensating Factors: XXX months reserves; DTI / DSCR >XXX; Experienced Investor |  |  | The request is to allow all six loans to proceed without a mortgage history and sing XXX bank references outside of the country of origin Compensating Factors: XXX months reserves; DTI / DSCR >XXX; Experienced Investor |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 700 B A |

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## Exhibit 99.3

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| Loan Number | **Seller Loan Number** | **ULI** | **Settlement Date** | **QM Type** | **Guideline Name** | **UW Guideline Author** | **UW Guideline Version Date** | **UW Guideline Matrix Name** | **UW Guideline Matrix Date** | **QM Regulation Failures** | **Bedroom Count** | **Approval Status** | **Correspondent Name** | **Pool** | **Application Date** | **Note Date** | **Maturity Date** | **Loan Status** | **Loan Type** | **Product Type** | **Agency ID** | **TRID** | **ARM Hybrid Period** | **Number of Borrowers** | **Borrower 1 First Name** | **Borrower 1 Middle Name** | **Borrower 1 Last Name** | **Borrower 2 First Name** | **Borrower 2 Middle Name** | **Borrower 2 Last Name** | **Borrower 3 First Name** | **Borrower 3 Middle Name** | **Borrower 3 Last Name** | **Borrower 4 First Name** | **Borrower 4 Middle Name** | **Borrower 4 Last Name** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Borrower 1 Job** | **Job Yrs Borrower 1** | **Borrower 2 Job** | **Job Yrs Borrower 2** | **Borrower 3 Job** | **Job Yrs Borrower 3** | **Borrower 4 Job** | **Job Yrs Borrower 4** | **Borrower 1 Occupation** | **Borrower 1 Years In Field** | **Borrower 2 Occupation** | **Borrower 2 Years In Field** | **Borrower 3 Occupation** | **Borrower 3 Years In Field** | **Borrower 4 Occupation** | **Borrower 4 Years In Field** | **Borrower 3 Income Verification Level** | **Borrower 4 Income Verification Level** | **Borrower 3 Employment Verification Level** | **Borrower 4 Employment Verification level** | **Borrower 1 First Time Buyer** | **Borrower 2 First Time Buyer** | **Borrower 3 First Time Buyer** | **Borrower 4 First Time Buyer** | **Representative Decision FICO Score** | **Borrower 3 Original FICO Equifax** | **Borrower 3 Original FICO Experian** | **Borrower 3 Original FICO Transunion** | **Borrower 4 Original FICO Equifax** | **Borrower 4 Original FICO Experian** | **Borrower 4 Original FICO Transunion** | **Borrower 1 Citizenship** | **Borrower 2 Citizenship** | **Borrower 3 Citizenship** | **Borrower 4 Citizenship** | **Documentation Type** | **Delayed Financing Flag** | **Asset Depletion Flag** | **Bank Statements Flag** | **Number of Statements** | **Type of Statements** | **Percent of Income From Statements** | **Months of Personal Bank Statements** | **Months of Business Bank Statements** | **Months of Business & Personal Bank Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **P&L Type** | **Months of Profit and Loss Statements** | **CPA Letter Flag** | **Expense letter Flag** | **Number of Months CPA Verified Income** | **WVOE Flag** | **Number of Months WVOE** | **Borrower Years of W2s** | **CoBorrower Years of W2s** | **1- year Tax Return Flag** | **Years of Tax Transcripts** | **Years of Personal Tax Returns** | **Years of Business Tax Returns** | **Years of 4506T** | **Front HTI Ratio** | **Back DTI Ratio** | **Borrower 3 Asset Verification Level** | **Borrower 4 Asset Verification Level** | **Liquid Assets** | **Total Assets** | **Reserves** | **Property Street Address** | **City** | **State** | **County** | **Zip** | **MI Company Name** | **Mortgage Insurance** | **MI Coverage Amount** | **MI Certificate Number** | **Flood Insurance Provided** | **Flood Policy Amount** | **Flood Expiration Date** | **Name of Flood Insurer** | **Flood Policy Number** | **Monthly Flood Payment** | **Flood Coverage Amount** | **Flood Policy Active** | **Flood Coverage Adeq** | **Flood Map Panel** | **Flood Mapped Date** | **Flood Certificate Number** | **Flood Certificate Date** | **Flood Vendor Name** | **Flood Zone** | **Flood Community** | **Flood Contract Type** | **Flood Program Type** | **Hazard Policy Amount** | **Hazard Expiration Date** | **Hazard Insurer Name** | **Hazard Policy Number** | **Hazard Coverage Amount** | **Hazard Coverage Active** | **Hazard Coverage Adeq** | **Times 30 Days DQ on Prior Mortgage** | **Times 60 Days DQ on Prior Mortgage** | **Times 90 Days DQ on Prior Mortgage** | **Prior Bankruptcy Flag** | **Bankruptcy Filing Date** | **Prior Bankruptcy Chapter** | **Prior bankruptcy Discharge Date** | **Ever In Foreclosure** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Most Recent Deed in Lieu Date** | **Number of Deed in Lieu Events** | **Months Deed in Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Origination Lender** | **Late Charge Type** | **Late Charges Percent** | **APR** | **Temporary Buydown Flag** | **T4506 Income Supported** | **Total Subject Housing Fully Indexed** | **Qualifying Fully Indexed P&I** | **Total Subject Housing** | **Original P&I** | **PITI** | **T&I** | **HOA** | **Primary Housing Payment** | **Second Mortgage Payment** | **Months Reserves** | **Other Liens Payment** | **Silent Second Lien Flag** | **Second Lien Amount** | **Lease in Place 1007/Lease in file** | **Market Rents** | **Subject Rental Income** | **Approved DSCR** | **Investment/No Ratio DSCR** | **LLC Flag** | **LLC Name** | **Short Term Rental** | **Declining Market** | **Guarantor** | **Units** | **Borrower SSN** | **Co Borrower SSN** | **Tax Payment** | **Residual Income** | **Times 30 Days DQ on 12 Prior Months of Current Mortgage History** | **Times 60 Days DQ on 12 Prior Months of Current Mortgage History** | **Times 90 Days DQ on 12 Prior Months of Current Mortgage History** | **Condo Project Classification** | **Default Note Rate Provision** | **MERS Number** |
| 996924 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | No |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | Yes | XXX | No | No | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 911295 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX | XXX |  | 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 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | No |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | No | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 804673 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 100.00 |  |  |  | Yes | Yes | 108 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | No |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 4.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 927133 | XXXXX |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 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 |  |  |  | 100.00 |  |  |  | Yes | Yes | 211 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | No |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 389955 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 5/1 or 5/6 Mos ARM |  | 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 | Yes | 2 | Personal | 100.00 |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 2 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | No |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 976294 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | No |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 953650 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | No |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | No | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 204661 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX | XXX | XXX | 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 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | No |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX | XXX | XXX | XXX | 1 | 0 | 0 |  | No | XXX |
| 710639 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 40 Year Fixed IO |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | No |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | No | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 | Non-Warrantable | No | XXX |
| 137108 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 13 | 2 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 1 | 0 | 0 | No |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 2 | 0 | 0 |  | No | XXX |
| 580091 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 100.00 |  |  |  | Yes | No | 24 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | Yes | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 422526 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 70.00 |  |  |  | No | Yes | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | No |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | Yes |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 | Warrantable | No | XXX |
| 845330 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | No |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | No | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 | Non-Warrantable | No | XXX |
| 932208 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 100.00 |  |  |  | Yes | No | 87 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | No |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 265105 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 100.00 |  |  |  | Yes | No | 29 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | No |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 258785 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Asset Depletion – Total Asset Calculation | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | No |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 675897 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX | XXX | XXX | 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 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | Yes | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | 1 | Yes | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | No |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | No | XXX | XXX | XXX |  | Yes | XXX | No | No | XXX | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 723272 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 100.00 |  |  |  | Yes | Yes | 24 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | No |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 644445 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | No |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | Yes | XXX | No | No | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 966239 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | No |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | Yes | XXX | No | No | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 655522 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | Yes | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | 1 | 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 | 0 | 0 | 0 | No |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | No | XXX | XXX | XXX |  | No |  | Yes | Yes |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 | Unable to Determine | No | XXX |
| 565551 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX | XXX |  | 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 |  |  |  | 100.00 |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | No |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 827472 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | No |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | Yes | XXX | No | No | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 776217 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 100.00 |  |  |  | Yes | No | 380 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | No |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 802659 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 24 | Business and Personal | 100.00 | 12 | 12 |  | 100.00 |  |  |  | Yes | No | 12 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | No |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 719681 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 1 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | No |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 | Non-Warrantable | No | XXX |
| 997832 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 1YR Business P&L | No | No | No |  |  |  |  |  |  | 100.00 |  | Audited | 18 | Yes | No | 24 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | No |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 672902 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | No |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 389814 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 100.00 |  |  |  | Yes | No | 24 | No |  | 2 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | Yes | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | 1 | Yes | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | No |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 564125 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | Yes | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | 1 | 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 | 0 | 0 | 0 | No |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | No | XXX | XXX | XXX |  | No |  | Yes | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 | Non-Warrantable | No | XXX |
| 181376 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 100.00 |  |  |  | Yes | Yes | 60 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | Yes | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | 1 | 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 | 0 | 0 | 0 | No |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 | Warrantable | No | XXX |
| 788215 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | No |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | No | XXX | XXX | XXX |  | Yes | XXX | No | No | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 341532 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | No |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | No | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 734338 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 50.00 |  |  |  | Yes | No | 12 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | No |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 310660 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | No |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | No | XXX | XXX | XXX |  | Yes | XXX | No | No | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 398969 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Business P&L | No | No | No |  |  |  |  |  |  | 100.00 |  | Third-Party Prepared (Unaudited) | 19 | Yes | No | 48 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | No |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 930408 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 100.00 |  |  |  | Yes | No | 96 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | No |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 4.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 653371 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | No |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | Yes | XXX | No | No | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 825728 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | Yes | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | 1 | Yes | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | No |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | Yes | XXX | No | No | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 595186 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 27 | 2 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX | 3 - Verified<2Mos |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | No |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 | N/A | No | XXX |
| 270870 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | 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 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | No |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 714660 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Business P&L | No | No | No |  |  |  |  |  |  | 100.00 |  | Borrower Prepared | 20 | Yes | No | 24 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | No |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 470944 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | No |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | No | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 854422 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 1 | 0 | 0 | 0 | No |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | No | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 873121 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | No |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | Yes | XXX | No | No | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 856952 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 2 | No | 0 | 0 | 0 | 0 | XXX | XXX | 3 - Verified<2Mos |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | No |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 847207 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | Yes | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | 1 | Yes | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | No |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | Yes | XXX | No | No | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 959936 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 100.00 |  |  |  | Yes | No | 32 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | No |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 863518 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Business P&L | No | No | No |  |  |  |  |  |  | 100.00 |  | Audited | 12 | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 1 | 2 | 0 | 0 | No |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 802969 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | No |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | No | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 | Warrantable | No | XXX |
| 810499 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX |  | XXX | 1 | 1 | 0 | 0 | 0 | No |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 166823 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | No |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | Yes |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 819481 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX | XXX |  | 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 | 57 | 2 | 2 | No | 2 | 2 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | No |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 992014 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 100.00 |  |  |  | Yes | No | 80 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | No |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 601354 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Not Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Curative | DSCR | 30 Year Fixed IO |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | No |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 852521 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | No |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | Yes | XXX | No | No | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 420559 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | No |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 622327 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | No |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 636238 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX | XXX | XXX | 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 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | No |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | No | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 332867 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Personal | 100.00 |  |  |  | 100.00 |  |  |  | Yes | No | 24 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | No |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 293974 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | No |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | No | XXX | XXX | XXX |  | Yes | XXX | No | No | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 694703 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed IO |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | Yes | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | 1 | 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 | 0 | 0 | 0 | No |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | Yes | XXX | No | Yes | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 | Warrantable | No | XXX |
| 356561 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | No |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | No | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 427969 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 100.00 |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | No |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 260685 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 13 | Business | 100.00 |  |  |  | 100.00 |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | No |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 | Warrantable | No | XXX |
| 263943 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | Yes | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | 1 | Yes | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | No |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | Yes | XXX | No | No | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 672223 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 100.00 |  |  |  | Yes | No | 120 | No |  | 0 | 2 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | Yes | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | 1 | 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 | 0 | 0 | 0 | No |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | Non-Warrantable | No | XXX |
| 436056 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 17 | 1 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | Yes | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | 1 | Yes | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | No |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 128886 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 25.00 |  |  |  | No | Yes | 0 | No |  | 1 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | No |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 826422 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | No |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 | Warrantable | No | XXX |
| 674753 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Personal | 100.00 |  |  |  | 100.00 |  |  |  | Yes | No | 58 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | No |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 441354 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 100.00 |  |  |  | No | Yes | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | No |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 656390 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 100.00 |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | No |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 213718 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 100.00 |  |  |  | Yes | Yes | 60 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | No |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | Yes | XXX |  | No | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 277877 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 100.00 |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | No |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 949173 | XXXXX |  | 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 |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | No |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | No | XXX | XXX | XXX |  | Yes | XXX | No | No | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 | Warrantable | No | XXX |
| 676809 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 50.00 |  |  |  | Yes | No | 433 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | No |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 794742 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 100.00 |  |  |  | Yes | No | 94 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | No |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | Yes | XXX |  | No | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 370731 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 206 | 2 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | No |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 | Warrantable | No | XXX |
| 984065 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX | XXX | XXX | 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 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | No |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 515948 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | No |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | No | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 | Warrantable | No | XXX |
| 597538 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Personal | 100.00 |  |  |  | 100.00 |  |  |  | Yes | No | 27 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | No |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 753969 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Business P&L | No | No | No |  |  |  |  |  |  | 100.00 |  | Third-Party Prepared (Unaudited) | 12 | Yes | No | 175 | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | No |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 281669 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Business P&L | No | No | No |  |  |  |  |  |  | 100.00 |  | Third-Party Prepared (Unaudited) | 12 | Yes | No | 12 | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | Yes | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | 1 | Yes | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | No |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 255026 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Business P&L | No | No | No |  |  |  |  |  |  | 100.00 |  | Third-Party Prepared (Unaudited) | 12 | Yes | No | 36 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | No |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 501093 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | No |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 555898 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 100.00 |  |  |  | No | Yes | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | Yes | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | 1 | Yes | 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 | 1 | 0 | 0 | No |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 225019 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | W2/1099 Verified | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 1 | 0 | No | 1 | 1 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | No |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 551619 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Curative | 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 |  |  |  | 100.00 |  |  |  | Yes | Yes | 30 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | No |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 154148 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed IO |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | No |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | No | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 333210 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | No |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 388246 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Business P&L | No | No | No |  |  |  |  |  |  | 100.00 |  | Audited | 12 | Yes | No | 60 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | No |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 184458 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | 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 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | No |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | No |  | No | Yes |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 295697 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Business P&L | No | No | No |  |  |  |  |  |  | 100.00 |  | Audited | 12 | Yes | No | 12 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | No |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 922979 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | No |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | No | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 818269 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | No |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | No | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 848823 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 - Not Stated, Not Verified |  | 1 - Not Stated, Not Verified |  | XXX | XXX | No |  | 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 | XXX | XXX | 1 - Not Stated Not Verified |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | Yes | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | 1 | Yes | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | No |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | Yes | XXX | No | No | XXX | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 392073 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX | XXX | XXX | 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 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | No |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 899127 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed IO |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | W2/1099 Verified | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 1 | 0 | No | 1 | 1 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | No |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 542274 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed IO |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | No |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | No |  | Yes | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 230145 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 1YR Business P&L | No | No | No |  |  |  |  |  |  | 50.00 | 50.00 | Audited | 12 | Yes | No | 274 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | No |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 144379 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | 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 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | Yes | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | 0 | 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 | 0 | 0 | 0 | No |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | No |  | Yes | No |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | N/A | No | XXX |
| 726690 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Business P&L | No | No | No |  |  |  |  |  |  | 100.00 |  | Audited | 12 | Yes | No | 296 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | No |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 804349 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | Yes | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | 1 | Yes | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | No |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | No |  | Yes | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 470481 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | No |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | No | XXX | XXX | XXX |  | Yes | XXX | No | No | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 544895 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Personal | 100.00 |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | No |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 668678 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Asset Depletion – Debt Ratio Calculation | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | No |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  | 0 | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 681412 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | No |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | No | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 791614 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 1 | 0 | No | 1 | 1 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | No |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 231278 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Business P&L | No | No | No |  |  |  |  |  |  | 100.00 |  | Third-Party Prepared (Unaudited) | 12 | Yes | No | 24 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | No |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 198220 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 100.00 |  |  |  | No | Yes | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | No |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 348165 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | No |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | No |  | Yes | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 894234 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Curative | 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 |  |  | W2/1099 Verified | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 1 | 1 | No | 1 | 1 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | No |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | Warrantable | No | XXX |
| 212857 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business and Personal | 100.00 | 12 | 12 |  |  | 32.00 |  |  | Yes | Yes | 22 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | No |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 533477 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | 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 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | No |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | No | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 460936 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | No |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | No | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 179029 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | No |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | No | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 255937 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | No |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | No | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 288403 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 1YR Business P&L | No | No | No |  |  |  |  |  |  | 51.00 | 49.00 | Audited | 12 | Yes | No | 24 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | No |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | Yes |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 00 |  | No | XXX |
| 630866 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Asset Depletion – Debt Ratio Calculation | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | No |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  | 0 | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 299306 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | No |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | No |  | Yes | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 412969 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Business P&L | No | No | No |  |  |  |  |  |  | 100.00 |  | Third-Party Prepared (Unaudited) | 12 | Yes | No | 24 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | No |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 | Warrantable | No | XXX |
| 958171 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Business P&L | No | No | No |  |  |  |  |  |  | 100.00 |  | Third-Party Prepared (Unaudited) | 12 | Yes | No | 56 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | No |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 812439 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | No |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | No | XXX | XXX | XXX |  | No |  | No | No |  | XXX |  |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 401877 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Personal | 100.00 |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | No |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 171201 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed IO |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | No |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | No | XXX | XXX | XXX |  | No |  | No | Yes |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 873658 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | 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 | 65 | 2 | 2 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | No |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 702627 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | W2/1099 Verified | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 1 | 1 | No | 1 | 1 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | No |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 658258 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | 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 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 1 | 0 | 0 | 0 | No |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 819793 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | No |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | No | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 334094 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | No |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | No | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 812748 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Business P&L | No | No | No |  |  |  |  |  |  | 100.00 |  | Audited | 12 | Yes | No | 119 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | No |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 186758 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 1YR Business P&L | No | No | No |  |  |  |  |  |  | 100.00 | 100.00 | Third-Party Prepared (Unaudited) | 12 | Yes | No | 204 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | No |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 812114 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | W2/1099 Verified | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 1 | 0 | No | 1 | 1 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | No |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 658854 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | 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 |  |  |  | 100.00 |  |  |  | Yes | Yes | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | Yes | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | 1 | Yes | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | No |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 356113 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Business P&L | No | No | No |  |  |  |  |  |  | 100.00 |  | Third-Party Prepared (Unaudited) | 12 | Yes | No | 108 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | No |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 423911 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Business P&L | No | No | No |  |  |  |  |  |  | 100.00 |  | Third-Party Prepared (Unaudited) | 12 | Yes | No | 24 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | No |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 786004 | XXXXX |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | No |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  |  | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | Yes | XXX | No | No | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 | Warrantable | Yes | XXX |
| 681479 | XXXXX |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | No |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  |  | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | Yes | XXX | No | No | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 | Warrantable | Yes | XXX |
| 807627 | XXXXX |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | No |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  |  | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | Yes | XXX | No | No | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 | Warrantable | Yes | XXX |

---

## Exhibit 99.3

---

| | | | |
|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| 996924 | XXXXX |  | $XXXXXX C A B |
| 911295 | XXXXX |  | $XXXXXX C A B |
| 804673 | XXXXX |  | $XXXXXX D C A |
| 927133 | XXXXX |  | $XXXXXX A C |
| 389955 | XXXXX |  | $XXXXXX D A |
| 976294 | XXXXX |  | $XXXXXX A |
| 953650 | XXXXX |  | $XXXXXX C A B |
| 204661 | XXXXX |  | $XXXXXX C A |
| 710639 | XXXXX |  | $XXXXXX D A C B |
| 137108 | XXXXX |  | $XXXXXX C A |
| 580091 | XXXXX |  | $XXXXXX A C |
| 422526 | XXXXX |  | $XXXXXX C A |
| 845330 | XXXXX |  | $XXXXXX B A |
| 932208 | XXXXX |  | $XXXXXX A |
| 265105 | XXXXX |  | $XXXXXX D A |
| 258785 | XXXXX |  | $XXXXXX A |
| 675897 | XXXXX |  | $XXXXXX C A |
| 723272 | XXXXX |  | $XXXXXX A |
| 644445 | XXXXX |  | $XXXXXX A |
| 966239 | XXXXX |  | $XXXXXX A |
| 655522 | XXXXX |  | $XXXXXX A |
| 565551 | XXXXX |  | $XXXXXX D A |
| 827472 | XXXXX |  | $XXXXXX A |
| 776217 | XXXXX |  | $XXXXXX A C B |
| 802659 | XXXXX |  | $XXXXXX A |
| 719681 | XXXXX |  | $XXXXXX A |
| 997832 | XXXXX |  | $XXXXXX A D B |
| 672902 | XXXXX |  | $XXXXXX C A |
| 389814 | XXXXX |  | $XXXXXX C A B |
| 564125 | XXXXX |  | $XXXXXX D A B |
| 181376 | XXXXX |  | $XXXXXX A |
| 788215 | XXXXX |  | $XXXXXX A |
| 341532 | XXXXX |  | $XXXXXX C A B |
| 734338 | XXXXX |  | $XXXXXX A |
| 310660 | XXXXX |  | $XXXXXX D A |
| 398969 | XXXXX |  | $XXXXXX C A |
| 930408 | XXXXX |  | $XXXXXX D A B |
| 653371 | XXXXX |  | $XXXXXX A |
| 825728 | XXXXX |  | $XXXXXX A |
| 595186 | XXXXX |  | $XXXXXX C A B |
| 270870 | XXXXX |  | $XXXXXX A |
| 714660 | XXXXX |  | $XXXXXX D A B |
| 470944 | XXXXX |  | $XXXXXX C A |
| 854422 | XXXXX |  | $XXXXXX D A B |
| 873121 | XXXXX |  | $XXXXXX D A |
| 856952 | XXXXX |  | $XXXXXX D A B |
| 847207 | XXXXX |  | $XXXXXX C A |
| 959936 | XXXXX |  | $XXXXXX B A |
| 863518 | XXXXX |  | $XXXXXX C A B |
| 802969 | XXXXX |  | $XXXXXX C A |
| 810499 | XXXXX |  | $XXXXXX C A |
| 166823 | XXXXX |  | $XXXXXX A |
| 819481 | XXXXX |  | $XXXXXX C A |
| 992014 | XXXXX |  | $XXXXXX A |
| 601354 | XXXXX |  | $XXXXXX C A |
| 852521 | XXXXX |  | $XXXXXX A |
| 420559 | XXXXX |  | $XXXXXX A |
| 622327 | XXXXX |  | $XXXXXX C A B |
| 636238 | XXXXX |  | $XXXXXX D A B |
| 332867 | XXXXX |  | $XXXXXX A |
| 293974 | XXXXX |  | $XXXXXX A |
| 694703 | XXXXX |  | $XXXXXX C A |
| 356561 | XXXXX |  | $XXXXXX A |
| 427969 | XXXXX |  | $XXXXXX A |
| 260685 | XXXXX |  | $XXXXXX A |
| 263943 | XXXXX |  | $XXXXXX C A B |
| 672223 | XXXXX |  | $XXXXXX D A |
| 436056 | XXXXX |  | $XXXXXX A |
| 128886 | XXXXX |  | $XXXXXX C A |
| 826422 | XXXXX |  | $XXXXXX A |
| 674753 | XXXXX |  | $XXXXXX A |
| 441354 | XXXXX |  | $XXXXXX C A |
| 656390 | XXXXX |  | $XXXXXX D C A B |
| 213718 | XXXXX |  | $XXXXXX D A B |
| 277877 | XXXXX |  | $XXXXXX D A |
| 949173 | XXXXX |  | $XXXXXX A |
| 676809 | XXXXX |  | $XXXXXX D A |
| 794742 | XXXXX |  | $XXXXXX D C A |
| 370731 | XXXXX |  | $XXXXXX C A B |
| 984065 | XXXXX |  | $XXXXXX A C |
| 515948 | XXXXX |  | $XXXXXX D A B |
| 597538 | XXXXX |  | $XXXXXX A |
| 753969 | XXXXX |  | $XXXXXX A B |
| 281669 | XXXXX |  | $XXXXXX A C B |
| 255026 | XXXXX |  | $XXXXXX D A |
| 501093 | XXXXX |  | $XXXXXX A |
| 555898 | XXXXX |  | $XXXXXX C D A B |
| 225019 | XXXXX |  | $XXXXXX D A |
| 551619 | XXXXX |  | $XXXXXX A |
| 154148 | XXXXX |  | $XXXXXX A |
| 333210 | XXXXX |  | $XXXXXX A |
| 388246 | XXXXX |  | $XXXXXX A |
| 184458 | XXXXX |  | $XXXXXX A |
| 295697 | XXXXX |  | $XXXXXX D A C |
| 922979 | XXXXX |  | $XXXXXX A |
| 818269 | XXXXX |  | $XXXXXX A |
| 848823 | XXXXX |  | $XXXXXX A |
| 392073 | XXXXX |  | $XXXXXX A |
| 899127 | XXXXX |  | $XXXXXX A |
| 542274 | XXXXX |  | $XXXXXX A |
| 230145 | XXXXX |  | $XXXXXX A |
| 144379 | XXXXX |  | $XXXXXX A |
| 726690 | XXXXX |  | $XXXXXX A |
| 804349 | XXXXX |  | $XXXXXX A |
| 470481 | XXXXX |  | $XXXXXX A |
| 544895 | XXXXX |  | $XXXXXX C A |
| 668678 | XXXXX |  | $XXXXXX A |
| 681412 | XXXXX |  | $XXXXXX D A |
| 791614 | XXXXX |  | $XXXXXX C A |
| 231278 | XXXXX |  | $XXXXXX C A |
| 198220 | XXXXX |  | $XXXXXX A B |
| 348165 | XXXXX |  | $XXXXXX A |
| 894234 | XXXXX |  | $XXXXXX A |
| 212857 | XXXXX |  | $XXXXXX A |
| 533477 | XXXXX |  | $XXXXXX A |
| 460936 | XXXXX |  | $XXXXXX A |
| 179029 | XXXXX |  | $XXXXXX A |
| 255937 | XXXXX |  | $XXXXXX A |
| 288403 | XXXXX |  | $XXXXXX A |
| 630866 | XXXXX |  | $XXXXXX A |
| 299306 | XXXXX |  | $XXXXXX A |
| 412969 | XXXXX |  | $XXXXXX A C |
| 958171 | XXXXX |  | $XXXXXX A D |
| 812439 | XXXXX |  | $XXXXXX A |
| 401877 | XXXXX |  | $XXXXXX A |
| 171201 | XXXXX |  | $XXXXXX A |
| 873658 | XXXXX |  | $XXXXXX A |
| 702627 | XXXXX |  | $XXXXXX D A |
| 658258 | XXXXX |  | $XXXXXX A |
| 819793 | XXXXX |  | $XXXXXX A |
| 334094 | XXXXX |  | $XXXXXX A |
| 812748 | XXXXX |  | $XXXXXX A |
| 186758 | XXXXX |  | $XXXXXX A |
| 812114 | XXXXX |  | $XXXXXX A |
| 658854 | XXXXX |  | $XXXXXX A |
| 356113 | XXXXX |  | $XXXXXX A |
| 423911 | XXXXX |  | $XXXXXX D A |
| 786004 | XXXXX |  | $XXXXXX D A B |
| 681479 | XXXXX |  | $XXXXXX D A B |
| 807627 | XXXXX |  | $XXXXXX B A |

---

## Exhibit 99.3

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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** | **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** |
| 996924 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 74.97 | 74.97 | $XXX | $XXX | -.0909 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0909 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 911295 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 804673 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 927133 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.8 |  |
| 389955 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 72.41 | 72.41 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 |  |
| 976294 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 953650 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 34.72 | 34.72 | $XXX | $XXX | -.0139 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0139 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 204661 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 34.29 | 34.29 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 710639 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 60.0 | 60.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |  |
| 137108 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 580091 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | -.0155 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0155 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 422526 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 845330 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 69.95 | 69.95 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 |  |
| 932208 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 265105 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 258785 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 61.07 | 61.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 675897 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 74.99 | 74.99 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 |  |
| 723272 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 644445 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 966239 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 51.11 | 51.11 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.3 |  |
| 655522 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 50.0 | 50.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Supported | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.4 |  |
| 565551 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 59.91 | 59.91 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.1 |  |
| 827472 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 776217 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 60.0 | 60.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | 0.0 | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 802659 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004C Manufactured Home | $XXX | 60.0 | 60.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 719681 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 997832 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 30.0 | 30.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 672902 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 32.0 | 32.0 | $XXX | $XXX | .0000 | 2000 One Unit Appraisal Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .000 | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 389814 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 17.54 | 17.54 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 564125 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 181376 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 |  |
| 788215 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 341532 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 69.18 | 69.18 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 734338 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 57.54 | 57.54 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Excellent | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.7 |  |
| 310660 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 69.99 | 69.99 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 398969 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 69.98 | 69.98 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 930408 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 |  |
| 653371 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 62.56 | 62.56 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 825728 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |  |
| 595186 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 270870 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004C Manufactured Home | $XXX | 49.18 | 49.18 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 714660 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.1 |  |
| 470944 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 69.99 | 69.99 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.2 |  |
| 854422 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0154 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0154 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 873121 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 60.0 | 60.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 856952 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 847207 | 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 | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 959936 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004C Manufactured Home | $XXX | 60.0 | 60.0 | $XXX | $XXX | -.0377 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0377 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 863518 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 36.67 | 36.67 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 802969 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 |  |
| 810499 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0657 | 93.0 | 0.07 | XXX | XXX | XX/XX/XXXX | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 166823 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 819481 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 |  |
| 992014 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  | $XXX | $XXX | .0134 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.6 |  |
| 601354 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 60.0 | 60.0 | $XXX | $XXX | .0078 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0078 | XXX | Excellent | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 852521 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 59.15 | 59.15 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 420559 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 28.17 | 28.17 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 622327 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 60.0 | 60.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 636238 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 332867 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 63.2 | 63.2 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 293974 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 694703 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 356561 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 427969 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  | $XXX | $XXX | .0444 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 260685 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 69.99 | 69.99 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0008 | XXX | Reasonable | XX/XX/XXXX | $XXX | 0.00% | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 263943 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 672223 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 60.0 | 60.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 436056 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 | $XXX | $XXX | .0812 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0812 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 |  |
| 128886 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 50.0 | 50.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  | $XXX | $XXX | .0070 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 |  |
| 826422 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 674753 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 62.86 | 62.86 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Excellent | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.3 |  |
| 441354 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 25.97 | 25.97 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 656390 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004C Manufactured Home | $XXX | 60.0 | 60.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 213718 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 65.0 | 65.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 277877 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 949173 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 676809 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 794742 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 74.59 | 74.59 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 370731 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 984065 | 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 | N/A | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 515948 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |  |
| 597538 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 71.33 | 71.33 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 753969 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 281669 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 56.21 | 56.21 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 255026 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 501093 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |  |
| 555898 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 57.8 | 66.26 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 225019 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 65.0 | 65.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 551619 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.3 |  |
| 154148 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 333210 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 56.19 | 56.19 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 388246 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 184458 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 44.59 | 44.59 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 295697 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.4 |  |
| 922979 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 818269 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 848823 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 74.48 | 74.48 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 392073 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.9 |  |
| 899127 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.9 |  |
| 542274 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 230145 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 144379 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | 0.0 | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 726690 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  | $XXX | $XXX | .0000 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX | $XXX | 0.00% | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 804349 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 41.45 | 41.45 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.4 |  |
| 470481 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 544895 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 63.49 | 63.49 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 668678 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 681412 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Nuquest | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 791614 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.7 |  |
| 231278 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 198220 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 74.58 | 74.58 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 348165 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | 2000 One Unit Appraisal Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .000 | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 894234 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 66.32 | 66.32 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.9 |  |
| 212857 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.8 |  |
| 533477 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 460936 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 179029 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible |  |  |
| 255937 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 288403 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 630866 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 45.91 | 45.91 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 299306 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 412969 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 79.99 | 79.99 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 958171 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 71.43 | 71.43 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.4 |  |
| 812439 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.6 |  |
| 401877 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 62.5 | 62.5 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 171201 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 873658 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 702627 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.9 |  |
| 658258 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 819793 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 334094 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 812748 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.2 |  |
| 186758 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 812114 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.7 |  |
| 658854 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 356113 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | 0.0 | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 423911 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 60.36 | 60.36 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.9 |  |
| 786004 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 65.0 | 65.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risks | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 681479 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 65.0 | 65.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 807627 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 65.0 | 65.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |

---

## Exhibit 99.3

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 804673 | XXXXX | Qualifying Total Debt Income Ratio | XXX | XXX | Income difference due to Audit excluding XXX transfer of XX/XX/XXXX. The XXX Rev debt had no payment on the credit report. Lender used XXX payment, GL's require greater of XXX or XXX% Audit used XXX |
| 389955 | XXXXX | Prepayment Penalty Calculation | XXX | XXX | The Mortgage/Deed of Trust did not have a pre-payment Rider. |
| 389955 | XXXXX | Prepayment Penalty Total Term | XXX | XXX | No evidence of pre-payment penalty at closing. |
| 976294 | XXXXX | Monthly Total Escrow Payment | XXX | XXX | Per escrow waiver |
| 580091 | XXXXX | Monthly Total Escrow Payment | XXX | XXX | Per tax and HOI docs |
| 580091 | XXXXX | Qualifying Total Debt Income Ratio | XXX | XXX | Per Final 1003 income and CBR |
| 422526 | XXXXX | Qualifying Total Debt Income Ratio | XXX | XXX | Lender did not include payments for XXX charge off showing open and in repayment status. GLs require XXX% payment for Installment and XXX% payment for revolving debts. |
| 932208 | XXXXX | Monthly Total Escrow Payment | XXX | XXX | Monthly escrow is correct per CD |
| 265105 | XXXXX | Monthly Total Escrow Payment | XXX | XXX | Per HOI and tax docs |
| 265105 | XXXXX | Qualifying Total Debt Income Ratio | XXX | XXX | Lender provided updated ULAW removing the XXX per monthnth additional insurance payment resulting in revised DTI of XXX. |
| 723272 | XXXXX | Monthly Total Escrow Payment | XXX | XXX | Per HOI and tax docs |
| 966239 | XXXXX | Prepayment Penalty Calculation | XXX | XXX | prepayment penalty is correct per note. |
| 966239 | XXXXX | Monthly Total Escrow Payment | XXX | XXX | No monthly escrow, final CD not in file. |
| 565551 | XXXXX | Qualifying FICO | XXX | XXX | FICO score is correct |
| 565551 | XXXXX | Qualifying Total Debt Income Ratio | XXX | XXX | DTI is different from lenders, need Final 1003 and lease agreements to confirm rental income amounts. |
| 802659 | XXXXX | Qualifying FICO | XXX | XXX | credit score is correct, updated credit report is on file |
| 802659 | XXXXX | Qualifying Total Debt Income Ratio | XXX | XXX | DTI is higher due to negative rental income being higher than what lender had on Final 1003. All totals were verified using tax certs on file. |
| 719681 | XXXXX | Monthly Total Escrow Payment | XXX | XXX | Per HOI and tax docs |
| 997832 | XXXXX | Qualifying Total Debt Income Ratio | XXX | XXX | Audit DTI is XXX% and lender DTI is XXX%. This variance is due to the lender using a XXX payment for the XXX revolving debt for B2 instead of the audit XXX payment reflected on the credit report. |
| 672902 | XXXXX | Number of Units | XXX | XXX | Appraisal shows XXX units |
| 389814 | XXXXX | Qualifying Total Debt Income Ratio | XXX | XXX | The Flood Insurance premium om the insurance documentation is XXX per month. The Lender used XXX per month in the DTI. |
| 181376 | XXXXX | Monthly Total Escrow Payment | XXX | XXX | Tax and insurance documentation for the subject |
| 181376 | XXXXX | Qualifying Total Debt Income Ratio | XXX | XXX | The audit DTI is XXX% and the lender DTI is XXX%. This variation is due to the lender not using the rent amount of XXX as reflected on the VOR for the primary residence. |
| 734338 | XXXXX | Monthly Total Escrow Payment | XXX | XXX | monthly escrow is correct per final CD |
| 310660 | XXXXX | Monthly Total Escrow Payment | XXX | XXX | monthly escrow amount is correct per settlement Statement. |
| 825728 | XXXXX | Monthly Total Escrow Payment | XXX | XXX | monthly escrow is correct per HUD |
| 595186 | XXXXX | Monthly Total Escrow Payment | XXX | XXX | Validated monthly escrow with final HUD. |
| 595186 | XXXXX | Qualifying Total Debt Income Ratio | XXX | XXX | Lender provided revised ULAW removing negative net rental income for subject property and updating DTI to XXX. The full PITIA is used to wash out the subject's monthly payment. |
| 270870 | XXXXX | Qualifying Total Debt Income Ratio | XXX | XXX | Minor DTI difference. Review data is correct per income and credit documents |
| 714660 | XXXXX | Qualifying Total Debt Income Ratio | XXX | XXX | The Lender income is the YTD P&L XXX month average = $XXX. Audit income is XXX & YTD P&L average = XXX which resulted in the DTI difference. |
| 856952 | XXXXX | Monthly Total Escrow Payment | XXX | XXX | Validated monthly escrow with documents provided. |
| 856952 | XXXXX | Qualifying FICO | XXX | XXX | Validated XXX with both borrowers credit reports provided. |
| 847207 | XXXXX | Monthly Total Escrow Payment | XXX | XXX | Validated escrow payment with documents provided in the file. |
| 166823 | XXXXX | Monthly Total Escrow Payment | XXX | XXX | escrow amount is correct per final CD |
| 819481 | XXXXX | Monthly Total Escrow Payment | XXX | XXX | Per escrow waiver |
| 819481 | XXXXX | Qualifying Total Debt Income Ratio | XXX | XXX | Audit DTI is XXX% and lender DTI is XXX%. The lender used XXX% of the rent amount for the investment properties where rent is used to qualify, which is not allowed since all of these investment properties are occupied. Therefore, using the lower rent amount to qualify caused the DTI to exceed the maximum allowed of XXX%. |
| 420559 | XXXXX | Originator DSCR | XXX | XXX | DSCR is different due to lender having double the amount for HOI. UW checked final HUD and the totals aren't correct on final loan approval. |
| 260685 | XXXXX | Monthly Total Escrow Payment | XXX | XXX | escrow amount is correct |
| 672223 | XXXXX | Monthly Total Escrow Payment | XXX | XXX | Review data is corredt per CD. |
| 672223 | XXXXX | Qualifying Total Debt Income Ratio | XXX | XXX | Minor DTI difference appears to be due to over-Stated flood insurance premium used in lender's calculation. Both DTIs are within guidelines. |
| 436056 | XXXXX | Qualifying Total Debt Income Ratio | XXX | XXX | Audit DTI is XXX% and the lender tape DTI is XXX%. This variance is due to using the audit bonus income of XXX to qualify instead of the lender bonus income of $XXX. Also, the lender used XXX for the subject PITI instead of the audit PITI of $XXX. The lender's approval worksheet reflects a DTI of XXX%. |
| 128886 | XXXXX | Qualifying Total Debt Income Ratio | XXX | XXX | DTI: Neg rent difference due to HELOC payment. Lender payment $XXX. However, September Statement shows min payment increased to $XXX. Audit Neg rent $XXX. Lender Neg rent = XXX |
| 826422 | XXXXX | Monthly Total Escrow Payment | XXX | XXX | Per taxes and HOI docs |
| 656390 | XXXXX | Monthly Total Escrow Payment | XXX | XXX | Review data is correct per credit report. |
| 656390 | XXXXX | Qualifying FICO | XXX | XXX | Review data is correct per credit report. |
| 656390 | XXXXX | Qualifying Total Debt Income Ratio | XXX | XXX | Minor DTI difference. Both are within guidelines. |
| 949173 | XXXXX | Monthly Total Escrow Payment | XXX | XXX | Per the HOI and tax documentation, the total escrow payment is $XXX. |
| 676809 | XXXXX | Monthly Total Escrow Payment | XXX | XXX | estimated escrow is XXX on final CD |
| 676809 | XXXXX | Qualifying Total Debt Income Ratio | XXX | XXX | Lender uses XXX% ownership on their income worksheet, per CPA letter borrower only has XXX% so used XXX% for ownership. |
| 794742 | XXXXX | Qualifying FICO | XXX | XXX | Lender used FICO from XX/XX/XXXX credit report vs Audit used FICO from XX/XX/XXXX credit report. |
| 984065 | XXXXX | Qualifying FICO | XXX | XXX | FICO score is correct per credit report. |
| 984065 | XXXXX | Qualifying Total Debt Income Ratio | XXX | XXX | DTI is correct per program guidelines |
| 597538 | XXXXX | Borrower 1 FTHB | XXX | XXX | Mapping issue. |
| 501093 | XXXXX | Property Value | XXX | XXX | Tape data is listed price from XX/XX/XXXX |
| 501093 | XXXXX | Prepayment Penalty Flag | XXX | XXX | Taken from note |
| 555898 | XXXXX | Qualifying CLTV | XXX | XXX | Used current balance of the heloc with XXX. |
| 388246 | XXXXX | Borrower 1 FTHB | XXX | XXX | FTHB |
| 392073 | XXXXX | Qualifying FICO | XXX | XXX |  |
| 230145 | XXXXX | Borrower 1 Citizen | XXX | XXX | Per 1003 |
| 230145 | XXXXX | Borrower 1 FTHB | XXX | XXX | Per 1003 |
| 144379 | XXXXX | Sales Price | XXX | XXX | Refinance |
| 231278 | XXXXX | Borrower 1 FTHB | XXX | XXX | Per 1003 |
| 198220 | XXXXX | Borrower 1 Citizen | XXX | XXX | Per 1003 |
| 288403 | XXXXX | Qualifying FICO | XXX | XXX |  |
| 412969 | XXXXX | Borrower 1 Citizen | XXX | XXX | Per 1003 |
| 412969 | XXXXX | Borrower 1 FTHB | XXX | XXX | Per 1003 |
| 873658 | XXXXX | Qualifying FICO | XXX | XXX |  |
| 702627 | XXXXX | Qualifying FICO | XXX | XXX | Per Primary Wage Earner |
| 658854 | XXXXX | Borrower 1 FTHB | XXX | XXX | Per 1003 |
| 786004 | XXXXX | Loan Type | XXX | XXX | Per lock |
| 786004 | XXXXX | Verified Doc Type | XXX | XXX | Per lock |
| 786004 | XXXXX | Qualifying FICO | XXX | XXX | Per credit |
| 786004 | XXXXX | Qualifying Total Reserves Number of Months | XXX | XXX | Per HUD/VOD |
| 786004 | XXXXX | Calculated DSCR | XXX | XXX | Per lock |
| 681479 | XXXXX | Loan Type | XXX | XXX | Per lock |
| 681479 | XXXXX | Verified Doc Type | XXX | XXX | Per lock |
| 681479 | XXXXX | Qualifying FICO | XXX | XXX | Per Credit |
| 681479 | XXXXX | Calculated DSCR | XXX | XXX | Per lock |
| 681479 | XXXXX | Application Date | XXX | XXX | Per earliest LOX in file, applications not required on DSCR |
| 807627 | XXXXX | Loan Type | XXX | XXX | Per Loan approval |
| 807627 | XXXXX | Property Address | XXX | XXX | Per Note |
| 807627 | XXXXX | Application Date | XXX | XXX | Verified by compliance |
| 807627 | XXXXX | Verified Doc Type | XXX | XXX | Per Loan approval |
| 807627 | XXXXX | Qualifying FICO | XXX | XXX | Per credit report |
| 807627 | XXXXX | Qualifying Total Reserves Number of Months | XXX | XXX | Per Cash out |
| 807627 | XXXXX | Calculated DSCR | XXX | XXX | Based on verified market rent / PITIA |

---

## Exhibit 99.4

**Exhibit 99.4**

![](n5540_img001.jpg)

FORWARD THINKING. SEAMLESS SOLUTIONS**.**

Executive Summary

BRAVO 2026-NQM1

Dated: December 30, 2025

---

| |
|:---|
| **290 S. Preston Road. \| Suite 370 \| Prosper, TX 75078** |
| **P: 888.892.1843 \| evolvemortgageservices.com** |

---

![](n5540_img003.jpg)

**EXECUTIVE SUMMARY**

**Overview** 

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

 **Sample size of the assets reviewed.** 

The final population of the Review covered 82 loans, consisting of 16 Residential Loans and 66 Business Purpose loans, totaling an aggregate original principal balance of approximately $25,862,542.00. 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. ("Fitch") and Kroll Bond Rating Agency, LLC (KBRA), the NRSROs identified in Item 3 of the ABS Due Diligence-15E.

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

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

---

| | | |
|:---|:---|:---|
| &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 |

---

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

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

For each Loan, Evolve will review the Loan File and verify whether the following documents, if applicable, are included in the file and if the data on these documents is consistent and logical: (a) initial application (1003), (b) credit report, (c) employment documentation, (d) asset

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| | | |
|:---|:---|:---|
| ![](n5540_img002.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 1 \| P a g e |

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![](n5540_img003.jpg)

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 if 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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| | | |
|:---|:---|:---|
| ![](n5540_img002.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 2 \| P a g e |

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![](n5540_img003.jpg)

***Valuation Review***

 

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

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

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

***Asset Review***

 

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

***Insurance***

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

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

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

Review procedures include:

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

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

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

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

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

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

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

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

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

● Calculate DSCR as required by the guidelines

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

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

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**SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW**

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

**Compliance Results Summary**

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**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;16 | &nbsp;&nbsp;19.51% | &nbsp;&nbsp;16 | &nbsp;&nbsp;19.51% |
| &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;66 | &nbsp;&nbsp;80.49% | &nbsp;&nbsp;66 | &nbsp;&nbsp;80.49% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**82** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**82** | &nbsp;&nbsp;**100.00%** |

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**Credit Results Summary**

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**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;73 | &nbsp;&nbsp;89.02% | &nbsp;&nbsp;73 | &nbsp;&nbsp;89.02% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;9 | &nbsp;&nbsp;10.98% | &nbsp;&nbsp;9 | &nbsp;&nbsp;10.98% |
| &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;**82** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**82** | &nbsp;&nbsp;**100.00%** |

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**Property Valuation Results Summary**

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**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;82 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;82 | &nbsp;&nbsp;100.00% |
| &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;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**82** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**82** | &nbsp;&nbsp;**100.00%** |

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**Overall Results Summary**

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**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;73 | &nbsp;&nbsp;89.02% | &nbsp;&nbsp;73 | &nbsp;&nbsp;89.02% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;9 | &nbsp;&nbsp;10.98% | &nbsp;&nbsp;9 | &nbsp;&nbsp;10.98% |
| &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;**82** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**82** | &nbsp;&nbsp;**100.00%** |

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**Data Results Summary**

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| | | | |
|:---|:---|:---|:---|
| **Field Label** | **# Loans with Discrepancy** | **Total Time Compared** | **% Variance** |
| Amortization Type | 56 | 82 | 68.29% |
| Appraised Value | 6 | 82 | 7.32% |
| DSCR | 28 | 82 | 34.15% |
| Doc Type | 32 | 82 | 39.02% |
| First Payment Date | 57 | 82 | 69.51% |
| Index Type | 2 | 82 | 2.44% |
| Interest Only | 2 | 82 | 2.44% |
| Loan Purpose | 1 | 82 | 1.22% |
| Maturity Date | 57 | 82 | 69.51% |
| Note Date | 58 | 82 | 70.73% |
| Occupancy | 12 | 82 | 14.63% |
| Original Amortization Term | 6 | 82 | 7.32% |
| Original CLTV | 6 | 82 | 7.32% |
| Original Interest Rate | 5 | 82 | 6.10% |
| Original LTV | 6 | 82 | 7.32% |
| Original Loan Amount | 4 | 82 | 4.88% |
| Original P&I | 35 | 82 | 42.68% |
| PITI | 64 | 82 | 78.05% |
| Prepayment Penalty | 35 | 82 | 42.68% |
| Prepayment Penalty Type | 44 | 82 | 53.66% |
| Product Code | 41 | 82 | 50.00% |
| Property City | 1 | 82 | 1.22% |
| Property Street Address | 3 | 82 | 3.66% |
| Property Type | 32 | 82 | 39.02% |
| Property Zip | 1 | 82 | 1.22% |
| QM Status | 73 | 82 | 89.02% |
| Qualifying Credit Score | 12 | 82 | 14.63% |
| Qualifying DTI | 22 | 82 | 26.83% |
| Sales Price | 58 | 82 | 70.73% |
| Self-Employment Flag | 10 | 82 | 12.20% |

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**APPENDIX A**

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

 ****

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

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

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

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

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

&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;

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

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

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

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

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

ii) proper execution by all required parties;

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

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

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

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

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

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

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

ii) APR threshold test;

iii) prepayment penalty test; and

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

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

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

ii) compliance with the escrow account and appraisal requirements;

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

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

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

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

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

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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.

**(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;

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

&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> 

&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 loan to a first time homebuyer that contains a negative amortization
 feature;

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

&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> 

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&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.

**(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.

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![](n5540_img003.jpg)

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.

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;

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

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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.

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,

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![](n5540_img003.jpg)

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);

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;

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

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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.

**(XIII) Document Review**

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

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

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

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

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## Exhibit 99.4

![](evolve_logo.jpg)

**Rating Agency Grades**

**Run Date - 12/30/2025 10:06:07 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** |
| **Redacted LoanID** | **Customer Loan ID** | **Seller Loan ID** | **Original Loan Amount** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** |
| 835367 | XXXXXXXXX | XXXXXXXXX | XXXXXX A | C | C | C | C | C A | A | A | A | A | A |
| 371813 | XXXXXXXXX | XXXXXXXXX | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| 317430 | XXXXXXXXX | XXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 753956 | XXXXXXXXX | XXXXXXXXXX | XXXXXX D | N/A | N/A | N/A | N/A | N/A C D B | N/A | N/A | N/A | N/A | N/A B |
| 931778 | XXXXXXXXXXXX | XXXXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 858287 | XXXXXXXXX | XXXXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 329170 | XXXXXXXXX | XXXXXXXXX | XXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 496946 | XXXXXXXXX | XXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 726206 | XXXXXXXXX | XXXXXXX | XXXXXX A | C | C | C | C | C A | A | A | A | A | A |
| 547136 | XXXXXXXXX | XXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 704428 | XXXXXXXXX | XXXXXXX | XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 410372 | XXXXXXXXX | XXXXXXX | XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 294264 | XXXXXXXXX | XXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 559970 | XXXXXXXXX | XXXXXXX | XXXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 608675 | XXXXXXXXX | XXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 979757 | XXXXXXX | XXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 823351 | XXXXXXXXX | XXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 646276 | XXXXXXXXX | XXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 927114 | XXXXXXXXX | XXXXXXXXXXX | XXXXXX A | C | C | C | C | C A | A | A | A | A | A |
| 365128 | XXXXXXXXX | XXXXXXXXX | XXXXXXX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 679745 | XXXXXXXXX | XXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 409442 | XXXXXXXXX | XXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 672749 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 203946 | XXXXXXXXX | XXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 250306 | XXXXXXXXX | XXXXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 905758 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX C | C | C | C | C | C A | A | A | A | A | A |
| 464258 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 895236 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 437806 | XXXXXXXXX | XXXXXXXXXX | 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 |
| 432126 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 360998 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 164540 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 213332 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 150835 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX A | C | C | C | C | C A | A | A | A | A | A |
| 639390 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 983360 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 226567 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 831235 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 918483 | XXXXXXXXXXXX | XXXXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 244277 | XXXXXXXXX | XXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 881348 | XXXXXXXXX | XXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 896223 | XXXXXXXXX | XXXXXXX | 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 |
| 318902 | XXXXXXXXX | XXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 780847 | XXXXXXXXX | XXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 280539 | XXXXXXXXX | XXXXXXX | XXXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 874914 | XXXXXXXXX | XXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 112172 | XXXXXXXXX | XXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 754474 | XXXXXXXXX | XXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 135160 | XXXXXXXXX | XXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 764247 | XXXXXXXXX | XXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 977320 | XXXXXXXXX | XXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 162666 | XXXXXXXXX | XXXXXXX | XXXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 139334 | XXXXXXXXX | XXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 553332 | XXXXXXXXX | XXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 438154 | XXXXXXXXX | XXXXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 651399 | XXXXXXXXX | XXXXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 849939 | XXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| 221735 | XXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | C | C | C | C | C A | A | A | A | A | A |
| 963242 | XXXXXXXXX | XXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 745099 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 966112 | XXXXXXXXX | XXXXXXXXXXX | XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 449713 | XXXXXXXXX | XXXXXXXXXX | XXXXXX B | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A |
| 486205 | XXXXXXXXX | XXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 568147 | XXXXXXXXX | XXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 130051 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 482049 | XXXXXXXXX | XXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 918164 | XXXXXXXXX | XXXXXXXXXX | XXXXXX A | C | C | C | C | C A | A | A | A | A | A |
| 591406 | XXXXX | XXXXX | XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 512502 | XXXXX | XXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 758460 | XXXXX | XXXXX | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| 903993 | XXXXX | XXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 232676 | XXXXXXX | XXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 626306 | XXXXXXXXX | XXXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 337557 | XXXXXXXXX | XXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 109349 | XXXXXXXXX | XXXXXXXXXXXXX | XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 965853 | XXXXXXXXX | XXXXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 881028 | XXXXXXXXX | XXXXXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 813548 | XXXXXXXXX | XXXXXXXXXXXXX | XXXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 910133 | XXXXXXXXX | XXXXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 986738 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 230322 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 797835 | XXXXXXXXX | XXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |

---

## Exhibit 99.4

![](evolve_logo.jpg)

**Exception Detail**

**Run Date - 12/30/2025 10:06:07 AM**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Redacted LoanID** | **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** |
| 482049 | XXXXXXXXX | XXXXXXXXXX | 7144590 | 215 | XXXXXXXXXX | Credit | HUD1 |  | HUD1 - HUD1 Other |  | Please provide updated final XXXXXX settlement statement with correct disbursement date. | Information provided |  |  | 06/27/2025 |  | A | 1 | XXXXXXXXXX | CA | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 482049 | XXXXXXXXX | XXXXXXXXXX | 7144703 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | The guarantee from XXXXX XXXXXXXXX XXXX the XXXXX ownership <br> entity for XXXXXX XXXXX the borrowing entity, is missing for the <br> purchase of the subject property. | Only personal guarantees are required by XXXXX |  | Client 06/27/2025 11:56 AM; Our understanding is that the parent entity is not the guarantor, only a natural person may execute a "personal" guarantee. XXXXXXX clarify, as XXXXX has not, to date, ever required a guaranty from a parent/nested entity. XXXX understanding is that the note and XXXX are to be executed by the XXXXXXXXXX entity, via the parent entity by the XXXXXXX entity''s member(s). XXXXX a personal guaranty is executed by the natural person(s) in their personal capacity. XXX t<br>Reviewer 06/27/2025 12:32 PM; <br>| 06/27/2025 |  | A | 1 | XXXXXXXXXX | CA | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 449713 | XXXXXXXXX | XXXXXXXXXX | 7147781 | 957 | XXXXXXXXXX | Credit | Closing Package |  | Closing Package - First Payment Letter Missing or Incorrect |  | Please provide updated correct XXXXX payment letter that excludes the escrow for city property tax. | Information provided |  |  | 07/22/2025 |  | A | 1 | XXXXXXXXXX | TN | 3 | 1 B A | N/A | N/A |  | Exempt | 1 |
| 464258 | XXXXXXXXXX | XXXXXXXXXX | 7146005 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Missing final approval. XXXXX once received, the loan may be subject to additional deficiencies. | Loan XXXXXXXXX provided |  |  | 07/03/2025 |  | A | 1 | XXXXXXXXXX | FL | 3 | 1 C A | N/A | N/A C |  | Exempt | 1 |
| 464258 | XXXXXXXXXX | XXXXXXXXXX | 7146006 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Provide XXXXX XXXXX XXXXXXXXXXXXXXX XXXXX will assess the lock for accuracy prior to finalizing the loan purchase. | Acra lock provided |  |  | 07/03/2025 |  | A | 1 | XXXXXXXXXX | FL | 3 | 1 C A | N/A | N/A C |  | Exempt | 1 |
| 464258 | XXXXXXXXXX | XXXXXXXXXX | 7146007 | 1108 | XXXXXXXXXX | Valuation | UW Collateral TPR |  | UW Collateral TPR - UW - Second collateral evaluation is required. |  | Missing second XXX score, XXXX collateral evaluation is required. | Received XXX |  |  | 07/17/2025 |  | A | 1 | XXXXXXXXXX | FL | 3 | 1 C A | N/A | N/A C |  | Exempt | 1 |
| 464258 | XXXXXXXXXX | XXXXXXXXXX | 7146022 | 258 | XXXXXXXXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal - Completion Certification |  | Missing XXXXXXXXXXX XXXXXXXXXXXXXX for subject. |  |  |  | 07/27/2025 |  | A | 1 | XXXXXXXXXX | FL | 3 | 1 C A | N/A | N/A C |  | Exempt | 1 |
| 464258 | XXXXXXXXXX | XXXXXXXXXX | 7146023 | 267 | XXXXXXXXXX | Valuation | UW Collateral |  | UW Collateral - UW - Certificate of Occupancy |  | Missing XXXXXXXXXXXX of XXXXXXXXXXX | COO provided |  |  | 07/03/2025 |  | A | 1 | XXXXXXXXXX | FL | 3 | 1 C A | N/A | N/A C |  | Exempt | 1 |
| 164540 | XXXXXXXXXX | XXXXXXXXXX | 7147841 | 72 | XXXXXXXXXX | Credit | Closing Package |  | Closing Package - |  | PG cannot reference XXXX name on signature page. | Information provided |  |  | 08/04/2025 |  | A | 1 | XXXXXXXXXX | OK | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| 164540 | XXXXXXXXXX | XXXXXXXXXX | 7147878 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Missing the approval. XXXXXX once received, additional deficiencies may apply. | Received XXXXX |  |  | 07/21/2025 |  | A | 1 | XXXXXXXXXX | OK | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| 318902 | XXXXXXXXX | XXXXXXX | 7149282 | 219 | XXXXXXXXXX | Credit | HUD1 |  | HUD1 - Final HUD-1 is missing |  | Please provide the final XXXXXX settlement statement. | Final XXXXX XXXXXXXXXXX XXXXXXXXXX provided |  |  | 07/29/2025 |  | A | 1 | XXXXXXXXXX | FL | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| 221735 | XXXXXXXXX | XXXXXXXXXXXXXX | 7149309 | 846 | XXXXXXXXXX | Compliance | Disclosure |  | Disclosure - Missing initial disclosure within 3 days of application |  | SSPL is missing | Information provided |  | Reviewer 07/29/2025 02:04 PM; SSPL has not been provided<br>| 07/30/2025 |  | A | 1 | XXXXXXXXXX | GA | 1 | 13 C A | C | A |  | Safe Harbor QM (APOR) | 1 |
| 221735 | XXXXXXXXX | XXXXXXXXXXXXXX | 7149311 | 884 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - Pending Internal completion of compliance fee tests. <br> Additional conditions may apply. |  |  | Information provided |  |  | 07/30/2025 |  | A | 1 | XXXXXXXXXX | GA | 1 | 13 C A | C | A |  | Safe Harbor QM (APOR) | 1 |
| 221735 | XXXXXXXXX | XXXXXXXXXXXXXX | 7149269 | 72 | XXXXXXXXXX | Compliance | Closing Package |  | Closing Package - |  | Funding XXXXX is in the future XXXXXXXXXXXXXX XXXXXXX provide proof of funding. | Information provided |  |  | 07/29/2025 |  | A | 1 | XXXXXXXXXX | GA | 1 | 13 C A | C | A |  | Safe Harbor QM (APOR) | 1 |
| 764247 | XXXXXXXXX | XXXXXXX | 7150765 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Unanimous XXXXXXX XXXXXXXX missing | Operating XXXXXXXXXX XXXXXXXX XX XXXXXXXXXXXX sub XXXXX (b) XXXXXX XXXXXXXXX XXXXXXXX wherein XXXXXXXX XXXXXX XXXXXXXXX is empowered to execute and deliver "...all promissory notes, mortgages, deeds of trust, security agreements and other similar documents:" |  | Client 08/08/2025 01:24 PM; Please see XXXXXXXXXX XXXXXXXXXX XXXXXXXX XX XXXXXXXXXXXX sub XXXXX (b) XXXXXX XXXXXXXXX XXXXXXXX wherein XXXXXXXX XXXXXX XXXXXXXXX is empowered to execute and deliver "...all promissory notes, mortgages, deeds of trust, security agreements and other similar documents:"<br>Reviewer 08/08/2025 01:33 PM; <br>| 08/08/2025 |  | A | 1 | XXXXXXXXXX | TX | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| 280539 | XXXXXXXXX | XXXXXXX | 7150628 | 851 | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | The guidelines limit the minimum loan amount to XXXXXXXXXX for the XXXXX XXXXXXXXXX XXXX loan amount is XXXXXXXXXXX |  | Compensating XXXXXXXXX XXXX months reserves; XXXXXXXX XXXXX XXXXXX XXXXXXX |  |  |  | 08/06/2025 B | 2 | XXXXXXXXXX | AL | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 758460 | XXXXX | XXXXX | 7149743 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Verification of the XXXXXXXXXXXX monthly payment for an XXXXXXXXXX mortgage on XXXX XXXXXX XXX from XXXXXX XXXXXXXX is missing, along with a copy of the final XXX from the recent refinance. | Received XXXXX and XX |  |  | 08/03/2025 |  | A | 1 | XXXXXXXXXX | TX | 2 | 13 C A | A | A |  | Non-QM | 1 |
| 726206 | XXXXXXXXX | XXXXXXX | 7153125 | 884 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. |  |  | Information provided |  |  | 08/27/2025 |  | A | 1 | XXXXXXXXXX | NC | 1 | 13 C A | C | A C |  | Non-QM | 1 |
| 726206 | XXXXXXXXX | XXXXXXX | 7153126 | 898 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - TRID- Fee Tolerance Violation |  | Loan is failing XXX tolerance for XXXXXXX added to the final XXX without a change of circumstance. XXXXXXXXXX amount is XXXXXXXXXXXX XXXXX a XXXXX with cure, lox to borrower, proof of refund, and evidence of payment shipped, all within XXX days of consummation. | Information provided |  |  | 08/27/2025 |  | A | 1 | XXXXXXXXXX | NC | 1 | 13 C A | C | A C |  | Non-QM | 1 |
| 895236 | XXXXXXXXXX | XXXXXXXXXX | 7150534 | 72 | XXXXXXXXXX | Credit | Closing Package |  | Closing Package - |  | Please provide the XXXX operating agreement. | Information provided |  |  | 08/14/2025 |  | A | 1 | XXXXXXXXXX | FL | 3 | 1 D A | N/A | N/A |  | Exempt | 1 |
| 895236 | XXXXXXXXXX | XXXXXXXXXX | 7150706 | 1055 | XXXXXXXXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | The XXXXXXXXXX XXXXXXXXXX and XXXXXXXXXXXX of XXXXXXXXXX are missing from the loan file. XXXX credit review is on hold until documents are received. | Documents provided |  |  | 08/13/2025 |  | A | 1 | XXXXXXXXXX | FL | 3 | 1 D A | N/A | N/A |  | Exempt | 1 |
| 895236 | XXXXXXXXXX | XXXXXXXXXX | 7152635 | 72 | XXXXXXXXXX | Credit | Closing Package |  | Closing Package - |  | File is missing the XXXXXX of XXXXXXXXX for XXXXXXX XXXXXXXXXXXX | POA provided |  |  | 08/19/2025 |  | A | 1 | XXXXXXXXXX | FL | 3 | 1 D A | N/A | N/A |  | Exempt | 1 |
| 895236 | XXXXXXXXXX | XXXXXXXXXX | 7152418 | 431 | XXXXXXXXXX | Credit | UW Assets |  | UW Assets - UW - Verification of assets (statements/VOD) incomplete/missing |  | The asset documentation in the file was not complete for the account in the file ending XXX with XXXXXXXXXXXXXX XXXX borrowers are foreign nationals, and assets need to verified in XXX XXXXXXX equivalency at the current exchange rate. XXX accordance with the XXXXX guidelines for foreign nationals. XXXXXXXXXXX funds to close must be on deposit with the XXXXXXX / XXXXXXXX XXXXXX at least three XXXXXX business days (including XXXXXXXXXX for this calculation) prior to the closing date. | Mutual XXXXXX verified XXXXXXXXX |  |  | 08/19/2025 |  | A | 1 | XXXXXXXXXX | FL | 3 | 1 D A | N/A | N/A |  | Exempt | 1 |
| 317430 | XXXXXXXXX | XXXXXXXXXX | 7152808 | 272 | XXXXXXXXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | Provide a secondary valuation as a XXX score was not provided. | received XXXXX XXX score = XXXX |  |  | 08/20/2025 |  | A | 1 | XXXXXXXXXX | CA | 3 | 1 C A | N/A | N/A C |  | Exempt | 1 |
| 317430 | XXXXXXXXX | XXXXXXXXXX | 7152672 | 861 | XXXXXXXXXX | Credit | Note |  | Note - Other: |  | Please provide the XXXXXXXXXXX XXXXXXXX XXXXXXXXX to the note. | Documents provided |  |  | 08/20/2025 |  | A | 1 | XXXXXXXXXX | CA | 3 | 1 C A | N/A | N/A C |  | Exempt | 1 |
| 963242 | XXXXXXXXX | XXXXXXXXX | 7158273 | 272 | XXXXXXXXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | Provide an appraisal review or secondary valuation in accordance with guidelines. XXXXX the initial appraisal was provided. | Received XXX |  |  | 09/13/2025 |  | A | 1 | XXXXXXXXXX | TX | 3 | 13 C A | N/A | N/A C |  | Exempt | 1 |
| 213332 | XXXXXXXXXX | XXXXXXXXXX | 7152554 | 72 | XXXXXXXXXX | Credit | Closing Package |  | Closing Package - |  | Please provide the XXXXXXXXX XXXXXXXX XXXXXXXXXXX | Information provided |  |  | 08/18/2025 |  | A | 1 | XXXXXXXXXX | NY | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| 881028 | XXXXXXXXX | XXXXXXXXXXXXX | 7156862 | 184 | XXXXXXXXXX | Credit | Flood Certificate |  | Flood Certificate - Property address incorrect or missing |  | Flood XXXXXXXXXXXX is missing the apartment number associated with the address. | Information provided |  |  | 09/09/2025 |  | A | 1 | XXXXXXXXXX | DC | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| 931778 | XXXXXXXXXXXX | XXXXXXXXXXXX | 7154525 | 328 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Satisfactory 12 mth Mortgage |  | The payment histories are missing for a XXXXXXXXX mortgage by XXXX XXXXXXXX XXXXXXX XXXX dated XXXXXXXXXX and a XXXXXXXXX mortgage by XXXX XXXXXXXX XXXXXXX dated XXXXXXXXXXX both secured by the subject property. | Received mortgage histories |  |  | 08/27/2025 |  | A | 1 | XXXXXXXXXX | CA | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| 931778 | XXXXXXXXXXXX | XXXXXXXXXXXX | 7154526 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Missing a personal guaranty by the borrower for XXXXXX XXXXXXX XXXXX XXXXXXX XXXXXXXXXXXX XXXX which is the vested owner of the subject property and a co-borrower on the note | Signed XXX provided. |  | Reviewer 08/24/2025 12:08 PM; The borrower entity name was not reflected on the XXXXXXXXX XXXXXXXXX form provided and XXXXX XXXXXXXX is not the XXXXXXXXX<br>| 09/03/2025 |  | A | 1 | XXXXXXXXXX | CA | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| 931778 | XXXXXXXXXXXX | XXXXXXXXXXXX | 7153213 | 72 | XXXXXXXXXX | Credit | Closing Package |  | Closing Package - |  | Please provide the XXXXXXXXX XXXXXXXX XXXXXXXXXXX | Information provided |  |  | 08/25/2025 |  | A | 1 | XXXXXXXXXX | CA | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| 639390 | XXXXXXXXXX | XXXXXXXXXX | 7154815 | 189 | XXXXXXXXXX | Credit | Flood Insurance |  | Flood Insurance - not in force at least 60 days post funding. |  | Condo XXXXXX XXXXXXX expired XXXXXXXXX please provide updated policy. | Information provided |  |  | 08/27/2025 |  | A | 1 | XXXXXXXXXX | FL | 3 | 1 C A | N/A | N/A C |  | Exempt | 1 |
| 639390 | XXXXXXXXXX | XXXXXXXXXX | 7154816 | 72 | XXXXXXXXXX | Credit | Closing Package |  | Closing Package - |  | Loan must contain the XXXXX XXXXX confirmation. | Information provided |  |  | 08/27/2025 |  | A | 1 | XXXXXXXXXX | FL | 3 | 1 C A | N/A | N/A C |  | Exempt | 1 |
| 639390 | XXXXXXXXXX | XXXXXXXXXX | 7154949 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Provide XXXXX XXXXX XXXXXXXXXXXXXXX XXXXX will assess the lock for accuracy prior to finalizing the loan purchase. | Received XXXXX XXXX |  |  | 08/27/2025 |  | A | 1 | XXXXXXXXXX | FL | 3 | 1 C A | N/A | N/A C |  | Exempt | 1 |
| 639390 | XXXXXXXXXX | XXXXXXXXXX | 7154966 | 1108 | XXXXXXXXXX | Valuation | UW Collateral TPR |  | UW Collateral TPR - UW - Second collateral evaluation is required. |  | Need second collateral evaluation. XXX score is above XXXXX at XXXXXXX | Received XXX |  |  | 08/27/2025 |  | A | 1 | XXXXXXXXXX | FL | 3 | 1 C A | N/A | N/A C |  | Exempt | 1 |
| 496946 | XXXXXXXXX | XXXXXXX | 7157645 | 861 | XXXXXXXXXX | Credit | Note |  | Note - Other: |  | Per lock there is a XXXXXXXXX XXXXXXXXXXX XXXXXXXX payment. XXXX note, section XX reflects that there should be an addendum attached to the note. XXXXXXX provide the XXXX XXXXXXXXX for review. | Information provided |  |  | 10/02/2025 |  | A | 1 | XXXXXXXXXX | TX | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| 432126 | XXXXXXXXXX | XXXXXXXXXX | 7154817 | 72 | XXXXXXXXXX | Credit | Closing Package |  | Closing Package - |  | Loan must contain the XXXXX XXXXX confirmation. | Lock provided |  |  | 08/27/2025 |  | A | 1 | XXXXXXXXXX | TN | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 918164 | XXXXXXXXX | XXXXXXXXXX | 7155140 | 884 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. |  |  | Testing complete |  |  | 09/02/2025 |  | A | 1 | XXXXXXXXXX | CA | 1 | 1 C A | C | A |  | Non-QM | 1 |
| 918164 | XXXXXXXXX | XXXXXXXXXX | 7155141 | 898 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - TRID- Fee Tolerance Violation |  | Loan is failing XXXX tolerance for increase in the XXXXXXXXXX fee in XXXX XX of the XXXXX XXXXX XXXX XXXX for this date does not give a valid reason for this increase. XXXXXXXXXX the loan does not affect the XXXXXXXXXX fee). XXXXXXXXXX amount is XXXXXXXXXXXX XXXXX a XXXXX with cure, lox to borrower, proof of refund, and evidence of payment shipped, all within XXX days of consummation. | Documents provided |  |  | 09/02/2025 |  | A | 1 | XXXXXXXXXX | CA | 1 | 1 C A | C | A |  | Non-QM | 1 |
| 139334 | XXXXXXXXX | XXXXXXX | 7155915 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Provide XXXXXXXXXXXX of XXXXX XXXXXXXXX for XXXX XXXXX XXXXXXX XXX | Ohio XXXX states currently in full force. |  |  | 09/03/2025 |  | A | 1 | XXXXXXXXXX | OH | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| 437806 | XXXXXXXXX | XXXXXXXXXX | 7156944 | 861 | XXXXXXXXXX | Credit | Note |  | Note - Other: |  | Per lock, the note should reflect a XXXX XXX period. XXXXXXX provide corrected note. | Information provided |  |  | 09/11/2025 |  | A | 1 | XXXXXXXXXX | FL | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 437806 | XXXXXXXXX | XXXXXXXXXX | 7157058 | 851 | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | The XXXXX is XXXXXX and the XXXXX XXXXXXX is XXXXXXXXXXXXXX XXXXX guidelines require a XXXXX of XXXXX or greater if the loan amount is greater than XXXXXXXXXXXXX |  | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXX XXXXX <br> score when the min XXXXX is XXXX for an interest-only loan; XXXXX <br> of XXXXXXXX when the max XXXXX is XXXX on a cash-out <br> refinance; XXXXXXX months of reserves when no reserves are <br> required. |  |  |  | 09/09/2025 B | 2 | XXXXXXXXXX | FL | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 608675 | XXXXXXXXX | XXXXXXX | 7158017 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Provide the sales addendum reflecting the sales XXXXX reduction from XXXXXXXXXX to XXXXXXXXXX with XXXXXXXX in seller credits. | $X,XXX seller credits included in item XXXXX on <br> contract |  | Reviewer 09/18/2025 08:51 PM; Received the sales contract <br> addendum with sales XXXXX of XXXXXXXXXXXX XXXX addendum <br> did not include XXXXXXXX seller credits<br>| 09/22/2025 |  | A | 1 | XXXXXXXXXX | TX | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 547136 | XXXXXXXXX | XXXXXXX | 7158093 | 272 | XXXXXXXXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | Provide secondary valuation as XXX score is > XXXXXX | Received XXX |  |  | 09/12/2025 |  | A | 1 | XXXXXXXXXX | NC | 3 | 1 C A | N/A | N/A C |  | Exempt | 1 |
| 813548 | XXXXXXXXX | XXXXXXXXXXXXX | 7158134 | 272 | XXXXXXXXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | Provide secondary valuation as XXX score was not determined. | received XXX |  |  | 09/13/2025 |  | A | 1 | XXXXXXXXXX | MI | 3 | 3 C B | N/A | N/A C |  | Exempt | 1 |
| 813548 | XXXXXXXXX | XXXXXXXXXXXXX | 7158135 | 851 | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | The XXXXX is XXXXXXXX which exceeds the XXXXX XXXXX |  | Client XXXXXXX with compensating factors: XXXXXXX months of reserves when the minimum reserves required is XX months; XXXXXX XXXXX when a minimum XXXXX of XXXXX is required; XXXXXXXX current mortgage payment history. |  |  |  | 09/11/2025 B | 2 | XXXXXXXXXX | MI | 3 | 3 C B | N/A | N/A C |  | Exempt | 1 |
| 813548 | XXXXXXXXX | XXXXXXXXXXXXX | 7158136 | 851 | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | The XXXXX amount is XXXXXXXXX and the minimum loan amount for the XXXXX program is XXXXXXXXXXX |  | Client XXXXXXX with compensating factors: XXXXXXX months of reserves when the minimum reserves required is XX months; XXXXXX XXXXX when a minimum XXXXX of XXXXX is required; XXXXXXXX current mortgage payment history. |  |  |  | 09/11/2025 B | 2 | XXXXXXXXXX | MI | 3 | 3 C B | N/A | N/A C |  | Exempt | 1 |
| 365128 | XXXXXXXXX | XXXXXXXXX | 7157741 | 272 | XXXXXXXXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | Provide secondary valuation as XXX score was not determined. | Received XXX |  |  | 09/11/2025 |  | A | 1 | XXXXXXXXXX | NJ | 3 | 1 C A | N/A | N/A C |  | Exempt | 1 |
| 559970 | XXXXXXXXX | XXXXXXX | 7158316 | 272 | XXXXXXXXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | Provide secondary valuation as XXX score is > XXXXXX | Received XXX |  |  | 09/15/2025 |  | A | 1 | XXXXXXXXXX | NC | 3 | 1 C B | N/A | N/A C |  | Exempt | 1 |
| 559970 | XXXXXXXXX | XXXXXXX | 7158318 | 851 | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | The loan amount is XXXXXXXXX and XXXXXXXXXX is the XXXXX XXXXXXXXXXXXX minimum loan amount. |  | Client waived with XXXXXXXXXXXXX XXXXXXXXX XXXXX is XXXXXX when XXXXXX is the minimum XXXXX when XXXX > XXXXX XXXXXXX months of XXXXX XXXXXXXXX when only XX months is required when XXXX > XXXXX XXXX XXXXX score when XXXX is the minimum XXXXX score. |  |  |  | 09/12/2025 B | 2 | XXXXXXXXXX | NC | 3 | 1 C B | N/A | N/A C |  | Exempt | 1 |
| 559970 | XXXXXXXXX | XXXXXXX | 7158319 | 851 | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | The XXXXX is XXXX when XXXX is the max XXXXX for a purchase with a loan amount < XXXXXXXXXXX |  | Client waived with XXXXXXXXXXXXX XXXXXXXXX XXXXX is XXXXXX when XXXXXX is the minimum XXXXX when XXXX > XXXXX XXXXXXX months of XXXXX XXXXXXXXX when only XX months is required when XXXX > XXXXX XXXX XXXXX score when XXXX is the minimum XXXXX score. |  |  |  | 09/12/2025 B | 2 | XXXXXXXXXX | NC | 3 | 1 C B | N/A | N/A C |  | Exempt | 1 |
| 753956 | XXXXXXXXX | XXXXXXXXXX | 7158366 | 272 | XXXXXXXXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | Provide an appraisal review or secondary valuation in accordance with guidelines. XXXXX the initial appraisal was provided. | CU XXXXX score was XXXXXX |  | Reviewer 09/15/2025 10:48 AM; The XXX score provided is XXXXXXXXXX XXXXXXXX a XXXXX XXXX or XXXX to support value. XXXX XXXXX - if the XXX score is < or = to XXXXXX the appraised value is not acceptable and must be supported by a XXXXX XXXX or XXXXXX XXXX XXXXXXXX XXXXX<br>Client 09/22/2025 09:48 AM; UCDP is XXXXX \* XXXXXXXXXX_TDOC_Appraisal XXXXXXXXXXX XXXXXXXXXXXXXXXXXXXXXXXXXXXXXX XXXXXXXX XXXXXXXXX XXXXXX - XXXX review is not required - XXXXXXX waive XXXXXX you for reviewing<br>Reviewer 09/22/2025 10:26 AM; <br>| 09/22/2025 |  | A | 1 | XXXXXXXXXX | CA | 3 | 1 D B | N/A | N/A C |  | Exempt | 1 |
| 753956 | XXXXXXXXX | XXXXXXXXXX | 7158372 | 400 | XXXXXXXXXX | Credit | UW Assets |  | UW Assets - UW - Borrower Minimum Contribution Requirement |  | Contributed gift funds totaled XXXXXXXXXXXX XXXX borrower paid XXXXXXXXX of their own funds and received XXXXXXXXXXXX back for a net contribution of XXXXXXXXXXXXX which is XXXXXXX of the purchase XXXXX. XXXX XXXXX XXXXXXXX guidelines require the borrower contribute a minimum of XXXX of the purchase XXXXX with their own funds when gift funds are contributed. |  | Exception received from XXXXX for less than XXXX minimum contribution. compensating XXXXXXXX - XXXXX XXXXXXXXXX XXXXXXXXX XXXXXX XXXXXXX |  |  |  | 09/15/2025 B | 2 | XXXXXXXXXX | CA | 3 | 1 D B | N/A | N/A C |  | Exempt | 1 |
| 753956 | XXXXXXXXX | XXXXXXXXXX | 7157995 | 108 | XXXXXXXXXX | Credit | Deed of Trust/Mortgage |  | Deed of Trust/Mortgage - is missing. |  | Please provide the deed of trust. | Information provided |  |  | 09/15/2025 |  | A | 1 | XXXXXXXXXX | CA | 3 | 1 D B | N/A | N/A C |  | Exempt | 1 |
| 753956 | XXXXXXXXX | XXXXXXXXXX | 7157996 | 219 | XXXXXXXXXX | Credit | HUD1 |  | HUD1 - Final HUD-1 is missing |  | Please provide the final XXXXXX settlement statement. | Information provided |  |  | 09/15/2025 |  | A | 1 | XXXXXXXXXX | CA | 3 | 1 D B | N/A | N/A C |  | Exempt | 1 |
| 753956 | XXXXXXXXX | XXXXXXXXXX | 7157997 | 459 | XXXXXXXXXX | Credit | Note |  | Note - is missing - No Image of Note found in file |  | Please provide the note. | Information provided |  |  | 09/15/2025 |  | A | 1 | XXXXXXXXXX | CA | 3 | 1 D B | N/A | N/A C |  | Exempt | 1 |
| 927114 | XXXXXXXXX | XXXXXXXXXXX | 7159349 | 884 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. |  |  | Information provided |  |  | 09/25/2025 |  | A | 1 | XXXXXXXXXX | TX | 1 | 13 C A | C | A C |  | Non-QM | 1 |
| 927114 | XXXXXXXXX | XXXXXXXXXXX | 7159350 | 898 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - TRID- Fee Tolerance Violation |  | X% tolerance violation for increase in XXXXXXXXXX XXXX without a valid XXXXXX XXXXXX tolerance violation of XXXXXXXXXXXX XX refund in the amount of XXXXXXXXXX along with XXXXX XXXX lox to borrower, copy of refund check and proof of delivery required within XXX days from consummation. | Information provided |  |  | 09/25/2025 |  | A | 1 | XXXXXXXXXX | TX | 1 | 13 C A | C | A C |  | Non-QM | 1 |
| 927114 | XXXXXXXXX | XXXXXXXXXXX | 7159784 | 272 | XXXXXXXXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | Provide an appraisal review or secondary valuation in accordance with guidelines. XXXXX the initial appraisal was provided. | Received XXXXX XXX score = X |  |  | 09/23/2025 |  | A | 1 | XXXXXXXXXX | TX | 1 | 13 C A | C | A C |  | Non-QM | 1 |
| 646276 | XXXXXXXXX | XXXXXXXXX | 7158648 | 272 | XXXXXXXXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | Provide an appraisal review or secondary valuation in accordance with guidelines. XXXXX the initial appraisal was provided. | Received XXXXX XXX score = X |  |  | 09/16/2025 |  | A | 1 | XXXXXXXXXX | OH | 3 | 1 C A | N/A | N/A C |  | Exempt | 1 |
| 626306 | XXXXXXXXX | XXXXXXXXXXXX | 7159232 | 272 | XXXXXXXXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | Provide secondary valuation as XXX score is > XXXXXX | CU XXXXX score XXXX |  | Client 09/22/2025 10:01 AM; Acra pulled XXXXX XXXXX is at XXXXX and does not require any additional waterfall to be completed. <br>Reviewer 09/22/2025 10:26 AM; <br>| 09/22/2025 |  | A | 1 | XXXXXXXXXX | OK | 3 | 1 C A | N/A | N/A C |  | Exempt | 1 |
| 979757 | XXXXXXX | XXXXXXX | 7157979 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Provide a closing protection letter | Received XXX |  |  | 09/11/2025 |  | A | 1 | XXXXXXXXXX | MI | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 232676 | XXXXXXX | XXXXXXX | 7157849 | 869 | XXXXXXXXXX | Credit | Flood Certificate |  | Flood Certificate - Other: |  | Flood XXXXXXXXXXXX is not legible. XXXXXXX provide a legible copy. | Legible documents provided |  |  | 09/15/2025 |  | A | 1 | XXXXXXXXXX | PA | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| 360998 | XXXXXXXXXX | XXXXXXXXXX | 7157987 | 72 | XXXXXXXXXX | Credit | Closing Package |  | Closing Package - |  | Loan must contain the XXXXX XXXXX confirmation. | Information provided |  |  | 09/15/2025 |  | A | 1 | XXXXXXXXXX | FL | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 150835 | XXXXXXXXXX | XXXXXXXXXX | 7157982 | 72 | XXXXXXXXXX | Compliance | Closing Package |  | Closing Package - |  | Loan must contain the XXXXX XXXXX confirmation. | Information provided |  |  | 09/17/2025 |  | A | 1 | XXXXXXXXXX | WA | 1 | 1 C A | C | A |  | Non-QM | 1 |
| 903993 | XXXXX | XXXXX | 7158935 | 851 | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | The XXXX is XXXX and the XXXXX is XXXXXXXX XXXX guidelines require a minimum XXXXX is XXXXXX when the XXXX is > XXXXXXXXX |  | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXX months of XXXXX reserves when XX months are required; XXXX XXXXX when XXXX is the minimum XXXXX when the XXXX is XXXXX XXXXXXXX current mortgage payment history. |  |  |  | 09/17/2025 B | 2 | XXXXXXXXXX | NJ | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 329170 | XXXXXXXXX | XXXXXXXXX | 7160022 | 851 | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Non-Prime XXXXXXXX XXXXXXXXXXX require XX months reserves and borrower has XXXXXX months of XXXXXX reserves. |  | Client XXXXXXX with compensating factors: XXXX of XXXXXXXX when XXXXXXXX is the maximum; residual income of XXXXXXXXXXXX when only XXXXXXXXXX is required; XXXX XXXXX score when XXXX is the minimum. |  |  |  | 09/23/2025 B | 2 | XXXXXXXXXX | CA | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 835367 | XXXXXXXXX | XXXXXXXXX | 7158993 | 272 | XXXXXXXXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | Provide the required secondary valuation as XXX score was not determined. | Received XXX |  | Reviewer 09/17/2025 07:24 PM; Did not receive the XXXX valuation.<br>| 09/19/2025 |  | A | 1 | XXXXXXXXXX | CA | 2 | 1 C A | C | A C |  | Non-QM | 1 |
| 835367 | XXXXXXXXX | XXXXXXXXX | 7158706 | 1055 | XXXXXXXXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | The XXXXX and lender''''s approval was missing from the loan file. XXXX credit review is on hold until documents are received. | Documents received |  |  | 09/17/2025 |  | A | 1 | XXXXXXXXXX | CA | 2 | 1 C A | C | A C |  | Non-QM | 1 |
| 835367 | XXXXXXXXX | XXXXXXXXX | 7158504 | 897 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - TRID CD- Other |  | Need the XXXXXXX XXXX | Seller XXX provided |  |  | 09/19/2025 |  | A | 1 | XXXXXXXXXX | CA | 2 | 1 C A | C | A C |  | Non-QM | 1 |
| 835367 | XXXXXXXXX | XXXXXXXXX | 7158627 | 72 | XXXXXXXXXX | Compliance | Closing Package |  | Closing Package - |  | Please provide the XXXXXXXXXXXX XXXXXXXXXX | Information provided |  |  | 09/17/2025 |  | A | 1 | XXXXXXXXXX | CA | 2 | 1 C A | C | A C |  | Non-QM | 1 |
| 983360 | XXXXXXXXXX | XXXXXXXXXX | 7158880 | 378 | XXXXXXXXXX | Credit | UW Other |  | UW Other - UW - Initial/Final 1003 incomplete/missing |  | Provide the XXXXXX XXXXXXX XXXXXX only the XXXXXXXX XXXXX was provided. | Received final signed XXXX |  |  | 09/18/2025 |  | A | 1 | XXXXXXXXXX | SC | 3 | 1 D A | N/A | N/A |  | Exempt | 1 |
| 983360 | XXXXXXXXXX | XXXXXXXXXX | 7158492 | 1055 | XXXXXXXXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | The loan approval, final XXXXX and all income documents are missing from the loan file. XXXX credit review is on hold until documents are received. | Documents received |  |  | 09/16/2025 |  | A | 1 | XXXXXXXXXX | SC | 3 | 1 D A | N/A | N/A |  | Exempt | 1 |
| 250306 | XXXXXXXXX | XXXXXXXXXXXXX | 7159308 | 1108 | XXXXXXXXXX | Valuation | UW Collateral TPR |  | UW Collateral TPR - UW - Second collateral evaluation is required. |  | Provide a secondary valuation as XXX score is > XXXXXX | CDA provided |  | Client 09/22/2025 09:50 AM; Review uploaded XXXXXXX waive XXXXXX you for reviewing<br>Reviewer 09/22/2025 10:26 AM; <br>| 09/22/2025 |  | A | 1 | XXXXXXXXXX | FL | 3 | 13 C A | N/A | N/A C |  | Exempt | 1 |
| 823351 | XXXXXXXXX | XXXXXXXXX | 7159940 | 272 | XXXXXXXXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | Provide an appraisal review or secondary valuation in accordance with guidelines. XXXXX the initial appraisal was provided. | Received XXXXX XXX score = X |  |  | 09/24/2025 |  | A | 1 | XXXXXXXXXX | TX | 3 | 1 C A | N/A | N/A C |  | Exempt | 1 |
| 823351 | XXXXXXXXX | XXXXXXXXX | 7159941 | 423 | XXXXXXXXXX | Credit | UW Collateral |  | UW Collateral - UW - Appraisal Correction/Clarification |  | Provide a corrected XXXXXXXXXX XXXXXXX XXXXXXX reflecting the XXXXXXXXX XXXXXXXXXX XXXXXX of XXXXXXXXXX instead of XXXXXXXXXXX | Received appraisal update XXXXXX with original appraised value of XXXXXXXXX |  |  | 09/25/2025 |  | A | 1 | XXXXXXXXXX | TX | 3 | 1 C A | N/A | N/A C |  | Exempt | 1 |
| 823351 | XXXXXXXXX | XXXXXXXXX | 7159942 | 346 | XXXXXXXXXX | Credit | UW Other |  | UW Other - UW - Complete Purchase Agreement |  | Provide the XXXXXX XXXXXXXXX XXXXXXXXX reducing the sales XXXXX from XXXXXXXXXX to the XXXXXXXXXX reflected on the XXXXXXXXXX and XXXXXX XXXX | Received contract addendum |  |  | 09/24/2025 |  | A | 1 | XXXXXXXXXX | TX | 3 | 1 C A | N/A | N/A C |  | Exempt | 1 |
| 162666 | XXXXXXXXX | XXXXXXX | 7159226 | 851 | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Loan amount is XXXXXXXXX and minimum loan amount for the XXXXX program is XXXXXXXXXXX |  | Client waived with compensating factors: XXXXX XXXXXX when min is XXXXXX XXXXXXXX months of XXXXX reserves when no reserves are required; XXXX is XXXXXXXX and the maximum XXXX is XXXXXXXX for a cash-out refinance. |  |  |  | 09/18/2025 B | 2 | XXXXXXXXXX | IN | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 162666 | XXXXXXXXX | XXXXXXX | 7159066 | 7 | XXXXXXXXXX | Credit | Application |  | Application - Completed, signed, initial application for all applicant not in file |  | Please provide the initial application for proof of initial application date. | Information provided |  |  | 09/22/2025 |  | A | 1 | XXXXXXXXXX | IN | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 162666 | XXXXXXXXX | XXXXXXX | 7159067 | 219 | XXXXXXXXXX | Credit | HUD1 |  | HUD1 - Final HUD-1 is missing |  | Please provide the final XXXXXX settlement statement. | Information provided |  |  | 09/19/2025 |  | A | 1 | XXXXXXXXXX | IN | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 849939 | XXXXXXXXX | XXXXXXXXXXXXXX | 7159328 | 336 | XXXXXXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | Missing income worksheet confirming monthly income of XXXXXXXXXXXXXX | Income work sheet provided |  | Client 09/22/2025 03:54 PM; Income calc uploaded to file<br>Reviewer 09/23/2025 04:24 AM; <br>| 09/22/2025 |  | A | 1 | XXXXXXXXXX | MO | 2 | 1 C A | A | A |  | Safe Harbor QM (APOR) | 1 |
| 905758 | XXXXXXXXXX | XXXXXXXXXX | 7159216 | 1108 | XXXXXXXXXX | Valuation | UW Collateral TPR |  | UW Collateral TPR - UW - Second collateral evaluation is required. |  | Provide a secondary valuation as XXX score was not determined. | AVM provided |  | Reviewer 09/19/2025 09:54 PM; Did not receive XXXXX XXX score. XX XXXX is required.<br>Reviewer 09/22/2025 11:54 AM; Please provide the XXXXX XXXXXXXXX <br>Reviewer 09/22/2025 08:11 PM; The XXXXX XXXX XXX score is XXXXXXX XXXXXXXX the XXXX to support value.<br>| 09/24/2025 |  | A | 1 | XXXXXXXXXX | PA | 1 | 1 C A | C | A C |  | Non-QM | 1 |
| 905758 | XXXXXXXXXX | XXXXXXXXXX | 7159217 | 272 | XXXXXXXXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | The appraiser''''s comments are missing regarding whether the security bars on the windows at the rear of the structure are equipped with safety release latches or not. | Received comments from appraiser for security bars and possible egress. |  |  | 09/23/2025 |  | A | 1 | XXXXXXXXXX | PA | 1 | 1 C A | C | A C |  | Non-QM | 1 |
| 905758 | XXXXXXXXXX | XXXXXXXXXX | 7159218 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Missing a fraud report as required by guidelines | Received fraud report |  |  | 09/19/2025 |  | A | 1 | XXXXXXXXXX | PA | 1 | 1 C A | C | A C |  | Non-QM | 1 |
| 905758 | XXXXXXXXXX | XXXXXXXXXX | 7159014 | 72 | XXXXXXXXXX | Compliance | Closing Package |  | Closing Package - |  | Loan must contain the XXXXX XXXXX confirmation. | Document received |  |  | 09/19/2025 |  | A | 1 | XXXXXXXXXX | PA | 1 | 1 C A | C | A C |  | Non-QM | 1 |
| 986738 | XXXXXXXXXX | XXXXXXXXXX | 7159063 | 72 | XXXXXXXXXX | Credit | Closing Package |  | Closing Package - |  | Please provide the XXXXXXXXXXXX XXXXXXXXXX | Information provided |  |  | 09/19/2025 |  | A | 1 | XXXXXXXXXX | FL | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| 986738 | XXXXXXXXXX | XXXXXXXXXX | 7159231 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Missing final XXXXXXXXXXXXXXXXX XXXXXXX | XXXX provided |  |  | 09/19/2025 |  | A | 1 | XXXXXXXXXX | FL | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| 831235 | XXXXXXXXXX | XXXXXXXXXX | 7159258 | 72 | XXXXXXXXXX | Credit | Closing Package |  | Closing Package - |  | Please provide fully executed XXXXXXXXX XXXXXXXXXXX (images in file are not signed) | Information provided |  |  | 09/23/2025 |  | A | 1 | XXXXXXXXXX | AL | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| 831235 | XXXXXXXXXX | XXXXXXXXXX | 7159417 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Missing the XXXX card or XXXXXXX results required for evidence of citizenship under all loan programs. XXXXXXX submit. | Received XXXX match |  |  | 09/29/2025 |  | A | 1 | XXXXXXXXXX | AL | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| 679745 | XXXXXXXXX | XXXXXXXXX | 7160275 | 862 | XXXXXXXXXX | Credit | Deed of Trust/Mortgage |  | Deed of Trust/Mortgage - Other: |  | Please provide updated XXXXX of XXXXXX with the correct county, XXXXX XXXXXXX per legal description. XXXXXXX include a XXXX to re-record. | Information provided |  |  | 09/29/2025 |  | A | 1 | XXXXXXXXXX | FL | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| 371813 | XXXXXXXXX | XXXXXXXXX | 7160410 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Missing government issued photo XXX for both borrowers. XXXXXXXXX for all loan programs. XXXXXXX submit | Received XXXXXXX |  |  | 09/29/2025 |  | A | 1 | XXXXXXXXXX | CA | 1 | 1 C A | A | A |  | Non-QM | 1 |
| 918483 | XXXXXXXXXXXX | XXXXXXXXXXXX | 7160454 | 72 | XXXXXXXXXX | Credit | Closing Package |  | Closing Package - |  | Loan must contain the XXXXX XXXXX confirmation. | Lock provided |  |  | 09/30/2025 |  | A | 1 | XXXXXXXXXX | PA | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 318902 | XXXXXXXXX | XXXXXXX | 7149430 | 320 | XXXXXXXXXX | Credit | UW Assets |  | UW Assets - UW - Asset Other |  | Missing XXXXXX XXXXXXXX XXXXXXXXXXXXX XXXXXXX to XXXXXXXXXXXXX when received to verify assets after close. | Final XXXXX XXXXXXXXXXX XXXXXXXXXX provided, assets verified. |  | Reviewer 07/29/2025 04:45 PM; file returned to XXXXXXX XXX for review<br>| 07/30/2025 |  | A | 1 | XXXXXXXXXX | FL | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| 726206 | XXXXXXXXX | XXXXXXX | 7154405 | 272 | XXXXXXXXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | The appraisal dated XXXXXXXXXXX was XXXX days old at funding on XXXXXXXXXXXXX XXXXXXXXXXX require an XXXXXXXXXX XXXXXXX with photos when the appraisal is XXXX days or more at funding. XXX XXXXXXXXXX XXXXXXX was provided in the loan file. | XXXXD provided XXXXXXXXXX date XXXXXXXX |  | Client 08/28/2025 09:13 AM; Good morning; for this condition, would ordering a re-cert now be an issue? XXXX processor for this file mixed up the dates between the XXX and the XXXXXXXXXX report and thought we had enough time when this loan went to closing. XXXXXX you!<br>Reviewer 08/28/2025 10:27 AM; <br>Reviewer 08/28/2025 10:27 AM; XXXX will accept a post-close appraisal recert? <br>| 09/04/2025 |  | A | 1 | XXXXXXXXXX | NC | 1 | 13 C A | C | A C |  | Non-QM | 1 |
| 895236 | XXXXXXXXXX | XXXXXXXXXX | 7152636 | 72 | XXXXXXXXXX | Credit | Closing Package |  | Closing Package - |  | Please provide evidence the XXXX based out of XXXXXXXXX is able to conduct business in XXXXXXXXX | Information provided |  | Reviewer 08/19/2025 02:51 PM; If loan closes in an XXXX and the XXXX was formed in a state other than where the business is taking place a XXXXXXXXXXXX of XXXXXXXX XXXXXXXXXXXXXX is required<br>Reviewer 09/10/2025 11:27 AM; Escalated for review<br>Client 09/12/2025 04:26 PM; Hello - the document uploaded on XXXXX for XXXX to transact business in flordia appears to be escalated for review. XXXXXXX XXXXXXX if there is anything you need from the XXXXXXXX XXXXX in order to clear. XXXXXX<br>Reviewer 09/12/2025 04:34 PM; <br>Reviewer 09/15/2025 10:55 AM; Hello, XXXXXXXXXXX has been cleared <br> XXXXXX<br>| 09/15/2025 |  | A | 1 | XXXXXXXXXX | FL | 3 | 1 D A | N/A | N/A |  | Exempt | 1 |
| 317430 | XXXXXXXXX | XXXXXXXXXX | 7152427 | 72 | XXXXXXXXXX | Credit | Closing Package |  | Closing Package - |  | Personal XXXXXXXXX cannot reference XXXX name on signature page. | Information provided |  | Client 08/27/2025 04:10 PM; PG copy uploaded<br>Reviewer 08/27/2025 07:37 PM; <br>Reviewer 08/28/2025 01:52 PM; <br>| 08/28/2025 |  | A | 1 | XXXXXXXXXX | CA | 3 | 1 C A | N/A | N/A C |  | Exempt | 1 |
| 896223 | XXXXXXXXX | XXXXXXX | 7154637 | 851 | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Approval for a guideline exception is needed for a XXXXXXXXXXXXX XXXXXXXXX cash-out refinance loan with an XXXX exceeding XXXX (currently at XXXXXXX |  | Approval has been granted for a guideline exception on a XXXXXXXXXXXXX XXXXXXXXX cash-out refinance loan with an XXXX above XXXX (currently at XXXXXXX subject to: XXXX a minimum of XXX months XXXXX reserves, and XXXX a XXXXX greater than XXXXXXXX XXXXXXXXXXXXX factors include: XXXX post-closing reserves of XXXX months, XXXX a final XXXXX of XXXXXXX and XXXX two foreign XXXX accounts meeting the XXXXXXXX XXXXXXXXX credit requirements. | Reviewer 08/21/2025 02:38 PM; Approval has been granted for a guideline exception on a XXXXXXXXXXXXX XXXXXXXXX cash-out refinance loan with an XXXX above XXXX (currently at XXXXXXX subject to: XXXX a minimum of XXX months XXXXX reserves, and XXXX a XXXXX greater than XXXXXXXX XXXXXXXXXXXXX factors include: XXXX post-closing reserves of XXXX months, XXXX a final XXXXX of XXXXXXX and XXXX two foreign XXXX accounts meeting the XXXXXXXX XXXXXXXXX credit requirements.<br>|  |  | 08/21/2025 B | 2 | XXXXXXXXXX | PA | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 294264 | XXXXXXXXX | XXXXXXX | 7155301 | 862 | XXXXXXXXXX | Credit | Deed of Trust/Mortgage |  | Deed of Trust/Mortgage - Other: |  | Please provide updated XXXXX of XXXXXX that reflects the correct county per legal description. XXXXXXXXXXXXXXX XXXXXXX include XXXX to re-record. | Information provided |  | Client 09/17/2025 02:39 PM; Good afternoon - title was kind enough to take care of the correction/re-recording for us. XXXXX are waiting for it to come back from county, per the email XX attached. :)<br>Reviewer 09/17/2025 02:50 PM; <br>Reviewer 09/18/2025 08:47 AM; Please provide complete copy of corrected XXXXXX XXXXXXXXX must initial correction<br>Reviewer 09/18/2025 10:51 AM; Hello <br> XXXXXX outs must be initialed by borrower. XXXXXXX provide copy of the corrected document with the cross out's initialed by borrower. <br>XXXXXX<br>| 09/26/2025 |  | A | 1 | XXXXXXXXXX | PA | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 553332 | XXXXXXXXX | XXXXXXX | 7156978 | 265 | XXXXXXXXXX | Credit | UW Collateral |  | UW Collateral - UW - FNMA 1007 / FNMA 216 |  | Missing single family rental schedule XXXXX XXXXX / XXXXX XXXX for the subject property | Per "internal notes" with an explanation of why a XXXXX was not provided or required. XXXXXXXXXX commented on the XXXX aspect vs the XXXXX being for a XXXX-term rental. |  | Client 09/09/2025 03:53 PM; Please see "internal notes" with an explanation of why a XXXXX was not provided or required. XXXXXXXXXX commented on the XXXX aspect vs the XXXXX being for a XXXX term rental. <br>Reviewer 09/10/2025 04:25 AM; <br>| 09/09/2025 |  | A | 1 | XXXXXXXXXX | OH | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| 986738 | XXXXXXXXXX | XXXXXXXXXX | 7159062 | 7 | XXXXXXXXXX | Credit | Application |  | Application - Completed, signed, initial application for all applicant not in file |  | Please provide the initial application for proof of initial application date. | Information provided |  | Reviewer 09/19/2025 12:11 PM; XXXXXXXXX application signed by XXX on XXXXXX XXXXX was approved on XXXXX and loan closed on XXXXXXX XXXXXXX provide evidence of initial application date<br>| 09/22/2025 |  | A | 1 | XXXXXXXXXX | FL | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |

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## Exhibit 99.4

![](evolve_logo.jpg)

**Valuation Report**

**Run Date - 12/30/2025 10:06:07 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** | | |
| **Redacted LoanID** | **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** |
| 835367 | XXXXXXXXX | XXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXXX | 1073 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXX |  | 0.00% | Clear Capital | Low risk | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 371813 | XXXXXXXXX | XXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXX |  | 0.00% | Clear Capital | Low | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.8 |
| 317430 | XXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1073 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.5 |
| 753956 | XXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.5 |
| 931778 | XXXXXXXXXXXX | XXXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004C | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | Clear Capital | Moderate | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 858287 | XXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1073 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 329170 | XXXXXXXXX | XXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1073 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.4 |
| 496946 | XXXXXXXXX | XXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 726206 | XXXXXXXXX | XXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.5 |
| 547136 | XXXXXXXXX | XXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXX | -0.50% | Stewart | reasonable | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.6 |
| 704428 | XXXXXXXXX | XXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.6 |
| 410372 | XXXXXXXXX | XXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.1 |
| 294264 | XXXXXXXXX | XXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.4 |
| 559970 | XXXXXXXXX | XXXXXXX | XXXXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | Stewart | Reasonable | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.6 |
| 608675 | XXXXXXXXX | XXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 979757 | XXXXXXX | XXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | Clear Capital | Low | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.2 |
| 823351 | XXXXXXXXX | XXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 646276 | XXXXXXXXX | XXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2 |
| 927114 | XXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2 |
| 365128 | XXXXXXXXX | XXXXXXXXX | XXXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXXX | 1025 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXX |  | 0.00% | Stewart | Reasonable | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 679745 | XXXXXXXXX | XXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | Clear Capital | Low | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3 |
| 409442 | XXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | Stewart | Reasonable | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 672749 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 203946 | XXXXXXXXX | XXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 250306 | XXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | Stewart | Reasonable | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.9 |
| 905758 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  | XXXXXX | XXXXX | -3.91% | Veros | 97 | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.5 |
| 464258 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | Clear Capital | Low Risk | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 895236 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.2 |
| 437806 | XXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXXX |  | XXXXXXX | XXXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XXXXXXX | XXXXXXX | -9.62% | XXXXXXXX | 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 432126 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | Clear Capital | Moderate | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.5 |
| 360998 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.1 |
| 164540 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | Clear Capital | Moderate | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 213332 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1025 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | Clear Capital | Low | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 150835 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1073 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 639390 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1073 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | Clear Capital | Low Risk | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 4.4 |
| 983360 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1073 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | Clear Capital | Moderate Risk | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.2 |
| 226567 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 831235 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | Clear Capital | Low Risk | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.6 |
| 918483 | XXXXXXXXXXXX | XXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | Clear Capital | Low | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3 |
| 244277 | XXXXXXXXX | XXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 881348 | XXXXXXXXX | XXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.4 |
| 896223 | XXXXXXXXX | XXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.7 |
| 318902 | XXXXXXXXX | XXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.9 |
| 780847 | XXXXXXXXX | XXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | Stewart | Reasonable | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.3 |
| 280539 | XXXXXXXXX | XXXXXXX | XXXXXXXX | XXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | Stewart | Reasonable | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 874914 | XXXXXXXXX | XXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | -6.88% | Stewart | Reasonable | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.2 |
| 112172 | XXXXXXXXX | XXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | Stewart | Reasonable | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.4 |
| 754474 | XXXXXXXXX | XXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1073 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 135160 | XXXXXXXXX | XXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | Stewart | Reasonable | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.4 |
| 764247 | XXXXXXXXX | XXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.4 |
| 977320 | XXXXXXXXX | XXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 162666 | XXXXXXXXX | XXXXXXX | XXXXXXXX | XXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | Stewart | Reasonable | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.8 |
| 139334 | XXXXXXXXX | XXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 553332 | XXXXXXXXX | XXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.5 |
| 438154 | XXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 651399 | XXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 849939 | XXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1073 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | Stewart | Reasonable | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 221735 | XXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXXX | XXXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.8 |
| 963242 | XXXXXXXXX | XXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | Stewart | reasonable | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 745099 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.3 |
| 966112 | XXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.3 |
| 449713 | XXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 486205 | XXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | Stewart | Reasonable | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.1 |
| 568147 | XXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 130051 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 482049 | XXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 918164 | XXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 591406 | XXXXX | XXXXX | XXXXXXXX | XXXXXX |  | XXXXXXX | XXXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXX |  | 0.00% | Stewart | Reasonable | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3 |
| 512502 | XXXXX | XXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 758460 | XXXXX | XXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXX | 0.56% | Stewart | Reasonable | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.5 |
| 903993 | XXXXX | XXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | Stewart | Reasonable | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 232676 | XXXXXXX | XXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2 |
| 626306 | XXXXXXXXX | XXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.5 |
| 337557 | XXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1025 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | Stewart | Reasonable | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 109349 | XXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 965853 | XXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1073 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.7 |
| 881028 | XXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2 |
| 813548 | XXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXX | XXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1025 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | Stewart | reasonable | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 910133 | XXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1073 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 986738 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXXX |  | XXXXXXX | XXXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XXXXXXX | XXXXXX | 5.00% | XXXXXXXX | 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 230322 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 797835 | XXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1025 | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | Clear Capital | Moderate | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |

---

## Exhibit 99.4

![](evolve_logo.jpg)

**Data Compare**

**Run Date - 12/30/2025 10:06:07 AM**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Redacted LoanID** | **Customer Loan ID** | **Seller Loan ID** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Comment** |
| 835367 | XXXXXXXXX | XXXXXXXXX | Occupancy | SecondHome | Second Home | Verified |
| 835367 | XXXXXXXXX | XXXXXXXXX | Original P&I |  | XXXXXX | Verified |
| 835367 | XXXXXXXXX | XXXXXXXXX | PITI |  | XXXXXXXX | Verified |
| 835367 | XXXXXXXXX | XXXXXXXXX | Prepayment Penalty |  | N | Verified |
| 835367 | XXXXXXXXX | XXXXXXXXX | Property Type | Non-Warrantable Condo | Condo-Lo 1-4 Stories | Verified |
| 835367 | XXXXXXXXX | XXXXXXXXX | Qualifying DTI | 49.56100 | 0.38931 | Verified |
| 371813 | XXXXXXXXX | XXXXXXXXX | Doc Type | Asset Depletion No DTI | Asset Depletion | Verified |
| 371813 | XXXXXXXXX | XXXXXXXXX | Occupancy | PrimaryResidence | Primary | Verified |
| 371813 | XXXXXXXXX | XXXXXXXXX | Original P&I |  | XXXXXX | Verified |
| 371813 | XXXXXXXXX | XXXXXXXXX | PITI |  | XXXXXXXX | Verified |
| 371813 | XXXXXXXXX | XXXXXXXXX | Prepayment Penalty |  | N | Verified |
| 371813 | XXXXXXXXX | XXXXXXXXX | Product Code | Asset Depletion No DTI | Full Doc | Verified |
| 371813 | XXXXXXXXX | XXXXXXXXX | Qualifying DTI | 45.95000 | 0.45950 | Verified |
| 931778 | XXXXXXXXXXXX | XXXXXXXXXXXX | Original Amortization Term | 30 | 360 | Verified |
| 931778 | XXXXXXXXXXXX | XXXXXXXXXXXX | DSCR |  | 1.450 | Verified |
| 931778 | XXXXXXXXXXXX | XXXXXXXXXXXX | Doc Type |  | Debt Service Coverage | Verified |
| 931778 | XXXXXXXXXXXX | XXXXXXXXXXXX | Original P&I |  | XXXXXX | Verified |
| 931778 | XXXXXXXXXXXX | XXXXXXXXXXXX | PITI |  | XXXXXXXX | Verified |
| 931778 | XXXXXXXXXXXX | XXXXXXXXXXXX | Prepayment Penalty | N | Y | Verified |
| 931778 | XXXXXXXXXXXX | XXXXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 931778 | XXXXXXXXXXXX | XXXXXXXXXXXX | Product Code |  | DSCR-Inv | Verified |
| 931778 | XXXXXXXXXXXX | XXXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 931778 | XXXXXXXXXXXX | XXXXXXXXXXXX | Self-Employment Flag |  | N | Verified |
| 979757 | XXXXXXX | XXXXXXX | Doc Type | DSCR | Debt Service Coverage | Verified |
| 979757 | XXXXXXX | XXXXXXX | Occupancy | Investor | Investment | Verified |
| 979757 | XXXXXXX | XXXXXXX | Original P&I |  | XXXXXX | Verified |
| 979757 | XXXXXXX | XXXXXXX | PITI |  | XXXXXXXX | Verified |
| 979757 | XXXXXXX | XXXXXXX | Prepayment Penalty |  | N | Verified |
| 979757 | XXXXXXX | XXXXXXX | Product Code | DSCR | DSCR-Inv | Verified |
| 979757 | XXXXXXX | XXXXXXX | QM Status | NON-QM | Exempt | Verified |
| 672749 | XXXXXXXXXX | XXXXXXXXXX | Doc Type | ALT | Debt Service Coverage | Verified |
| 672749 | XXXXXXXXXX | XXXXXXXXXX | Original P&I |  | XXXXXX | Verified |
| 672749 | XXXXXXXXXX | XXXXXXXXXX | PITI |  | XXXXXXXX | Verified |
| 672749 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 672749 | XXXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt | Verified |
| 672749 | XXXXXXXXXX | XXXXXXXXXX | Self-Employment Flag |  | N | Verified |
| 905758 | XXXXXXXXXX | XXXXXXXXXX | Doc Type | Alternative Doc | Bank Statement | Verified |
| 905758 | XXXXXXXXXX | XXXXXXXXXX | Original P&I |  | XXXXXX | Verified |
| 905758 | XXXXXXXXXX | XXXXXXXXXX | PITI |  | XXXXXX | Verified |
| 905758 | XXXXXXXXXX | XXXXXXXXXX | Product Code | 30yr Fixed | Bk St- 12 mos | Verified |
| 905758 | XXXXXXXXXX | XXXXXXXXXX | Qualifying DTI | 43.41200 | 0.43408 | Verified |
| 464258 | XXXXXXXXXX | XXXXXXXXXX | Appraised Value | XXXXXXXX | XXXXXXXX | Verified |
| 464258 | XXXXXXXXXX | XXXXXXXXXX | Original CLTV | XXXXXXXX | XXXXXXXX | Verified |
| 464258 | XXXXXXXXXX | XXXXXXXXXX | DSCR | 1.130 | 1.150 | Verified |
| 464258 | XXXXXXXXXX | XXXXXXXXXX | Doc Type |  | Debt Service Coverage | Verified |
| 464258 | XXXXXXXXXX | XXXXXXXXXX | Original LTV | XXXXXXXX | XXXXXXXX | Verified |
| 464258 | XXXXXXXXXX | XXXXXXXXXX | Occupancy | Investor | Investment | Verified |
| 464258 | XXXXXXXXXX | XXXXXXXXXX | Original P&I |  | XXXXXX | Verified |
| 464258 | XXXXXXXXXX | XXXXXXXXXX | PITI |  | XXXXXXXX | Verified |
| 464258 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty | N | Y | Verified |
| 464258 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 464258 | XXXXXXXXXX | XXXXXXXXXX | Product Code |  | DSCR- FN | Verified |
| 464258 | XXXXXXXXXX | XXXXXXXXXX | Property Type | PUD | PUD-Detached | Verified |
| 464258 | XXXXXXXXXX | XXXXXXXXXX | QM Status | Non-QM | Exempt | Verified |
| 895236 | XXXXXXXXXX | XXXXXXXXXX | Doc Type | 0 | Debt Service Coverage | Verified |
| 895236 | XXXXXXXXXX | XXXXXXXXXX | Occupancy | Investor | Investment | Verified |
| 895236 | XXXXXXXXXX | XXXXXXXXXX | Original P&I |  | XXXXXX | Verified |
| 895236 | XXXXXXXXXX | XXXXXXXXXX | PITI |  | XXXXXXXX | Verified |
| 895236 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty | N | Y | Verified |
| 895236 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 895236 | XXXXXXXXXX | XXXXXXXXXX | Product Code | 0 | DSCR- FN | Verified |
| 895236 | XXXXXXXXXX | XXXXXXXXXX | Property Type | 1 Unit | Single Family | Verified |
| 895236 | XXXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt | Verified |
| 432126 | XXXXXXXXXX | XXXXXXXXXX | Doc Type | Full Doc | Debt Service Coverage | Verified |
| 432126 | XXXXXXXXXX | XXXXXXXXXX | Occupancy | Investor | Investment | Verified |
| 432126 | XXXXXXXXXX | XXXXXXXXXX | Original P&I |  | XXXXXX | Verified |
| 432126 | XXXXXXXXXX | XXXXXXXXXX | PITI |  | XXXXXXXX | Verified |
| 432126 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty | N | Y | Verified |
| 432126 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 432126 | XXXXXXXXXX | XXXXXXXXXX | Product Code | Full Doc | DSCR-Inv | Verified |
| 432126 | XXXXXXXXXX | XXXXXXXXXX | Property Type | 1 Unit | Single Family | Verified |
| 432126 | XXXXXXXXXX | XXXXXXXXXX | QM Status | Non-QM | Exempt | Verified |
| 360998 | XXXXXXXXXX | XXXXXXXXXX | Appraised Value | XXXXXXXX | XXXXXXXX | Verified |
| 360998 | XXXXXXXXXX | XXXXXXXXXX | DSCR | 0.880 | 0.930 | Verified |
| 360998 | XXXXXXXXXX | XXXXXXXXXX | Doc Type | Full Doc | Debt Service Coverage | Verified |
| 360998 | XXXXXXXXXX | XXXXXXXXXX | Occupancy | Investor | Investment | Verified |
| 360998 | XXXXXXXXXX | XXXXXXXXXX | Original P&I |  | XXXXXX | Verified |
| 360998 | XXXXXXXXXX | XXXXXXXXXX | PITI |  | XXXXXXXX | Verified |
| 360998 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty | N | Y | Verified |
| 360998 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 360998 | XXXXXXXXXX | XXXXXXXXXX | Product Code | Full Doc | DSCR- FN | Verified |
| 360998 | XXXXXXXXXX | XXXXXXXXXX | Property Type | PUD | PUD-Detached | Verified |
| 360998 | XXXXXXXXXX | XXXXXXXXXX | QM Status | Non-QM | Exempt | Verified |
| 164540 | XXXXXXXXXX | XXXXXXXXXX | DSCR | 0.014 | 1.410 | Verified |
| 164540 | XXXXXXXXXX | XXXXXXXXXX | Doc Type | Full Doc | Debt Service Coverage | Verified |
| 164540 | XXXXXXXXXX | XXXXXXXXXX | Original P&I |  | XXXXXX | Verified |
| 164540 | XXXXXXXXXX | XXXXXXXXXX | PITI |  | XXXXXXXX | Verified |
| 164540 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 164540 | XXXXXXXXXX | XXXXXXXXXX | Product Code |  | DSCR-Inv | Verified |
| 164540 | XXXXXXXXXX | XXXXXXXXXX | Property Type | PUD-Detached | Single Family | Verified |
| 213332 | XXXXXXXXXX | XXXXXXXXXX | DSCR | 0.012 | 1.240 | Verified |
| 213332 | XXXXXXXXXX | XXXXXXXXXX | Doc Type | Full Doc | Debt Service Coverage | Verified |
| 213332 | XXXXXXXXXX | XXXXXXXXXX | Original P&I |  | XXXXXX | Verified |
| 213332 | XXXXXXXXXX | XXXXXXXXXX | PITI |  | XXXXXXXX | Verified |
| 213332 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 213332 | XXXXXXXXXX | XXXXXXXXXX | Product Code |  | DSCR-Inv | Verified |
| 150835 | XXXXXXXXXX | XXXXXXXXXX | Occupancy | PrimaryResidence | Primary | Verified |
| 150835 | XXXXXXXXXX | XXXXXXXXXX | Original P&I |  | XXXXXX | Verified |
| 150835 | XXXXXXXXXX | XXXXXXXXXX | PITI |  | XXXXXXXX | Verified |
| 150835 | XXXXXXXXXX | XXXXXXXXXX | Property Type | Condominium | Condo-Lo 1-4 Stories | Verified |
| 150835 | XXXXXXXXXX | XXXXXXXXXX | QM Status |  | Non-QM | Verified |
| 150835 | XXXXXXXXXX | XXXXXXXXXX | Qualifying DTI |  | 0.47006 | Verified |
| 639390 | XXXXXXXXXX | XXXXXXXXXX | Doc Type | Full Doc | Bank Statement | Verified |
| 639390 | XXXXXXXXXX | XXXXXXXXXX | Occupancy | Investor | Investment | Verified |
| 639390 | XXXXXXXXXX | XXXXXXXXXX | Original P&I |  | XXXXXX | Verified |
| 639390 | XXXXXXXXXX | XXXXXXXXXX | PITI |  | XXXXXXXX | Verified |
| 639390 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty | N | Y | Verified |
| 639390 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 639390 | XXXXXXXXXX | XXXXXXXXXX | Product Code | Full Doc | Bk St- 24 mos | Verified |
| 639390 | XXXXXXXXXX | XXXXXXXXXX | Property Type | Condominium | Condo-Hi >8 Stories | Verified |
| 639390 | XXXXXXXXXX | XXXXXXXXXX | QM Status | Non-QM | Exempt | Verified |
| 639390 | XXXXXXXXXX | XXXXXXXXXX | Qualifying DTI | 27.87700 | 0.27877 | Verified |
| 983360 | XXXXXXXXXX | XXXXXXXXXX | Qualifying Credit Score | XXX | XXX | Verified |
| 983360 | XXXXXXXXXX | XXXXXXXXXX | Doc Type | Full Doc | Debt Service Coverage | Verified |
| 983360 | XXXXXXXXXX | XXXXXXXXXX | Occupancy | Investor | Investment | Verified |
| 983360 | XXXXXXXXXX | XXXXXXXXXX | Original P&I |  | XXXXXX | Verified |
| 983360 | XXXXXXXXXX | XXXXXXXXXX | PITI |  | XXXXXXXX | Verified |
| 983360 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty | N | Y | Verified |
| 983360 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 983360 | XXXXXXXXXX | XXXXXXXXXX | Property Type | Condominium | Condo-Mid 5-8 Stories | Verified |
| 983360 | XXXXXXXXXX | XXXXXXXXXX | QM Status | Non-QM | Exempt | Verified |
| 226567 | XXXXXXXXXX | XXXXXXXXXX | Doc Type | ALT | Debt Service Coverage | Verified |
| 226567 | XXXXXXXXXX | XXXXXXXXXX | Note Date | XXXXXXXX | XXXXXXXX | Verified |
| 226567 | XXXXXXXXXX | XXXXXXXXXX | Original P&I |  | XXXXXX | Verified |
| 226567 | XXXXXXXXXX | XXXXXXXXXX | PITI |  | XXXXXXXX | Verified |
| 226567 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 226567 | XXXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt | Verified |
| 226567 | XXXXXXXXXX | XXXXXXXXXX | Self-Employment Flag |  | N | Verified |
| 831235 | XXXXXXXXXX | XXXXXXXXXX | Doc Type | Full Doc | Debt Service Coverage | Verified |
| 831235 | XXXXXXXXXX | XXXXXXXXXX | Original P&I |  | XXXXXX | Verified |
| 831235 | XXXXXXXXXX | XXXXXXXXXX | PITI |  | XXXXXXXX | Verified |
| 831235 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 831235 | XXXXXXXXXX | XXXXXXXXXX | Product Code |  | DSCR-Inv | Verified |
| 831235 | XXXXXXXXXX | XXXXXXXXXX | Self-Employment Flag | y | N | Verified |
| 918483 | XXXXXXXXXXXX | XXXXXXXXXXXX | Amortization Type | Yes | Fixed | Verified |
| 918483 | XXXXXXXXXXXX | XXXXXXXXXXXX | Original Amortization Term | 12000 | 360 | Verified |
| 918483 | XXXXXXXXXXXX | XXXXXXXXXXXX | Appraised Value |  | XXXXXXXX | Verified |
| 918483 | XXXXXXXXXXXX | XXXXXXXXXXXX | Original CLTV | XXXXXXXX | XXXXXXXX | Verified |
| 918483 | XXXXXXXXXXXX | XXXXXXXXXXXX | DSCR |  | 1.390 | Verified |
| 918483 | XXXXXXXXXXXX | XXXXXXXXXXXX | Doc Type | Full | Debt Service Coverage | Verified |
| 918483 | XXXXXXXXXXXX | XXXXXXXXXXXX | Interest Only |  | N | Verified |
| 918483 | XXXXXXXXXXXX | XXXXXXXXXXXX | Original LTV | XXXXXXXX | XXXXXXXX | Verified |
| 918483 | XXXXXXXXXXXX | XXXXXXXXXXXX | Maturity Date | XXXXXXXX | XXXXXXXX | Verified |
| 918483 | XXXXXXXXXXXX | XXXXXXXXXXXX | Note Date | XXXXXXXX | XXXXXXXX | Verified |
| 918483 | XXXXXXXXXXXX | XXXXXXXXXXXX | Original P&I |  | XXXXXX | Verified |
| 918483 | XXXXXXXXXXXX | XXXXXXXXXXXX | PITI |  | XXXXXXXX | Verified |
| 918483 | XXXXXXXXXXXX | XXXXXXXXXXXX | Product Code |  | DSCR-Inv | Verified |
| 918483 | XXXXXXXXXXXX | XXXXXXXXXXXX | Property Type | detached | Single Family | Verified |
| 918483 | XXXXXXXXXXXX | XXXXXXXXXXXX | Sales Price |  | XXXXXXXXXX | Verified |
| 918483 | XXXXXXXXXXXX | XXXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 918483 | XXXXXXXXXXXX | XXXXXXXXXXXX | Self-Employment Flag | 720 | N | Verified |
| 745099 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | DSCR | 0.750 | 0.770 | Verified |
| 745099 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Interest Only | N | Y | Verified |
| 745099 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Note Date | XXXXXXXX | XXXXXXXX | Verified |
| 745099 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Original Amortization Term | 30 yr | 300 | Verified |
| 745099 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Original CLTV | XXXXXXXX | XXXXXXXX | Verified |
| 745099 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Original LTV | XXXXXXXX | XXXXXXXX | Verified |
| 745099 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Original P&I |  | XXXXXX | Verified |
| 745099 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | PITI |  | XXXXXXXX | Verified |
| 745099 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 745099 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | QM Status | Non-QM | Exempt | Verified |
| 745099 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Self-Employment Flag |  | N | Verified |
| 130051 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Original P&I |  | XXXXXX | Verified |
| 130051 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | PITI |  | XXXXXXXX | Verified |
| 130051 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 130051 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | QM Status | Non-QM | Exempt | Verified |
| 591406 | XXXXX | XXXXX | DSCR | 1.351 |  | Verified |
| 591406 | XXXXX | XXXXX | Doc Type | Alternative Doc | Bank Statement | Verified |
| 591406 | XXXXX | XXXXX | Original P&I |  | XXXXXX | Verified |
| 591406 | XXXXX | XXXXX | PITI |  | XXXXXXXX | Verified |
| 591406 | XXXXX | XXXXX | Sales Price | XXXXXXXXXXXX |  | Verified |
| 591406 | XXXXX | XXXXX | Qualifying DTI | 40.42000 | 0.40416 | Verified |
| 591406 | XXXXX | XXXXX | Self-Employment Flag | N | Y | Verified |
| 512502 | XXXXX | XXXXX | DSCR |  | 1.110 | Verified |
| 512502 | XXXXX | XXXXX | Doc Type | No Ratio | Debt Service Coverage | Verified |
| 512502 | XXXXX | XXXXX | First Payment Date | XXXXXXXX | XXXXXXXX | Verified |
| 512502 | XXXXX | XXXXX | Maturity Date | XXXXXXXX | XXXXXXXX | Verified |
| 512502 | XXXXX | XXXXX | Original P&I |  | XXXXXX | Verified |
| 512502 | XXXXX | XXXXX | PITI |  | XXXXXXXX | Verified |
| 512502 | XXXXX | XXXXX | Prepayment Penalty |  | Y | Verified |
| 512502 | XXXXX | XXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 512502 | XXXXX | XXXXX | Product Code | DSCR- FN | DSCR-Inv | Verified |
| 512502 | XXXXX | XXXXX | Property Type | PUD-Detached | Single Family | Verified |
| 512502 | XXXXX | XXXXX | QM Status | Non-QM | Exempt | Verified |
| 512502 | XXXXX | XXXXX | Qualifying DTI | 45.00000 |  | Verified |
| 512502 | XXXXX | XXXXX | Self-Employment Flag | Y | N | Verified |
| 758460 | XXXXX | XXXXX | Doc Type | Alternative Doc | Bank Statement | Verified |
| 758460 | XXXXX | XXXXX | Original P&I |  | XXXXXX | Verified |
| 758460 | XXXXX | XXXXX | PITI |  | XXXXXXXX | Verified |
| 758460 | XXXXX | XXXXX | Sales Price | XXXXXXXXXX |  | Verified |
| 758460 | XXXXX | XXXXX | Qualifying DTI | 40.42000 | 0.40415 | Verified |
| 903993 | XXXXX | XXXXX | Doc Type | No Ratio | Debt Service Coverage | Verified |
| 903993 | XXXXX | XXXXX | First Payment Date | XXXXXXXX | XXXXXXXX | Verified |
| 903993 | XXXXX | XXXXX | Original P&I |  | XXXXXX | Verified |
| 903993 | XXXXX | XXXXX | PITI |  | XXXXXXXX | Verified |
| 903993 | XXXXX | XXXXX | Property Zip | XXXXX | XXXXX | Verified |
| 903993 | XXXXX | XXXXX | QM Status | Non-QM | Exempt | Verified |
| 232676 | XXXXXXX | XXXXXXX | DSCR | 1.050 | 1.110 | Verified |
| 232676 | XXXXXXX | XXXXXXX | Original P&I |  | XXXXXX | Verified |
| 232676 | XXXXXXX | XXXXXXX | PITI |  | XXXXXXXX | Verified |
| 232676 | XXXXXXX | XXXXXXX | Prepayment Penalty |  | N | Verified |
| 232676 | XXXXXXX | XXXXXXX | QM Status | Non-QM | Exempt | Verified |
| 986738 | XXXXXXXXXX | XXXXXXXXXX | Original Amortization Term | 30 | 360 | Verified |
| 986738 | XXXXXXXXXX | XXXXXXXXXX | Doc Type | Investor - DSCR | Debt Service Coverage | Verified |
| 986738 | XXXXXXXXXX | XXXXXXXXXX | Index Type | 0 |  | Verified |
| 986738 | XXXXXXXXXX | XXXXXXXXXX | Loan Purpose | Cash-Out Refinance | Refinance - Cash Out | Verified |
| 986738 | XXXXXXXXXX | XXXXXXXXXX | Occupancy | Investor | Investment | Verified |
| 986738 | XXXXXXXXXX | XXXXXXXXXX | Original P&I |  | XXXXXX | Verified |
| 986738 | XXXXXXXXXX | XXXXXXXXXX | PITI |  | XXXXXXXXX | Verified |
| 986738 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 986738 | XXXXXXXXXX | XXXXXXXXXX | Product Code | CSC30F3Y3%2%1% | DSCR-Inv | Verified |
| 986738 | XXXXXXXXXX | XXXXXXXXXX | Property Type | 1 Unit | Single Family | Verified |
| 230322 | XXXXXXXXXX | XXXXXXXXXX | Original Amortization Term | 30 | 360 | Verified |
| 230322 | XXXXXXXXXX | XXXXXXXXXX | Qualifying Credit Score | XXX | XXX | Verified |
| 230322 | XXXXXXXXXX | XXXXXXXXXX | DSCR | 1.430 | 1.410 | Verified |
| 230322 | XXXXXXXXXX | XXXXXXXXXX | Doc Type | Investor - DSCR | Debt Service Coverage | Verified |
| 230322 | XXXXXXXXXX | XXXXXXXXXX | Index Type | 0 |  | Verified |
| 230322 | XXXXXXXXXX | XXXXXXXXXX | Occupancy | Investor | Investment | Verified |
| 230322 | XXXXXXXXXX | XXXXXXXXXX | Original P&I |  | XXXXXX | Verified |
| 230322 | XXXXXXXXXX | XXXXXXXXXX | PITI |  | XXXXXXXX | Verified |
| 230322 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 230322 | XXXXXXXXXX | XXXXXXXXXX | Product Code | CSC30F3Y3%2%1% | DSCR-Inv | Verified |
| 230322 | XXXXXXXXXX | XXXXXXXXXX | Property Type | PUD | PUD-Detached | Verified |
| 230322 | XXXXXXXXXX | XXXXXXXXXX | QM Status | Non-QM | Exempt | Verified |
| 230322 | XXXXXXXXXX | XXXXXXXXXX | Self-Employment Flag |  | N | Verified |
| 317430 | XXXXXXXXX | XXXXXXXXXX | Amortization Type |  | Fixed | Verified |
| 317430 | XXXXXXXXX | XXXXXXXXXX | DSCR | 1.266 | 1.250 | Verified |
| 317430 | XXXXXXXXX | XXXXXXXXXX | First Payment Date |  | XXXXXXXX | Verified |
| 317430 | XXXXXXXXX | XXXXXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 317430 | XXXXXXXXX | XXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 317430 | XXXXXXXXX | XXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 317430 | XXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type | Term | Hard | Verified |
| 317430 | XXXXXXXXX | XXXXXXXXXX | Product Code | AC30YrFx | DSCR-Inv | Verified |
| 317430 | XXXXXXXXX | XXXXXXXXXX | Property Type | Condo | Condo-Lo 1-4 Stories | Verified |
| 317430 | XXXXXXXXX | XXXXXXXXXX | Sales Price | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 317430 | XXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt | Verified |
| 753956 | XXXXXXXXX | XXXXXXXXXX | Amortization Type |  | Fixed | Verified |
| 753956 | XXXXXXXXX | XXXXXXXXXX | First Payment Date |  | XXXXXXXX | Verified |
| 753956 | XXXXXXXXX | XXXXXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 753956 | XXXXXXXXX | XXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 753956 | XXXXXXXXX | XXXXXXXXXX | Prepayment Penalty | N | Y | Verified |
| 753956 | XXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 753956 | XXXXXXXXX | XXXXXXXXXX | Sales Price | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 753956 | XXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt | Verified |
| 858287 | XXXXXXXXX | XXXXXXXXXXXXX | Amortization Type |  | Fixed | Verified |
| 858287 | XXXXXXXXX | XXXXXXXXXXXXX | First Payment Date |  | XXXXXXXX | Verified |
| 858287 | XXXXXXXXX | XXXXXXXXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 858287 | XXXXXXXXX | XXXXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 858287 | XXXXXXXXX | XXXXXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 858287 | XXXXXXXXX | XXXXXXXXXXXXX | Property Type | Condo | Condo-Lo 1-4 Stories | Verified |
| 858287 | XXXXXXXXX | XXXXXXXXXXXXX | Sales Price | XXXXXXXXXX |  | Verified |
| 858287 | XXXXXXXXX | XXXXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 858287 | XXXXXXXXX | XXXXXXXXXXXXX | Qualifying DTI | 46.63000 | 0.46652 | Verified |
| 329170 | XXXXXXXXX | XXXXXXXXX | Amortization Type |  | Fixed | Verified |
| 329170 | XXXXXXXXX | XXXXXXXXX | First Payment Date |  | XXXXXXXX | Verified |
| 329170 | XXXXXXXXX | XXXXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 329170 | XXXXXXXXX | XXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 329170 | XXXXXXXXX | XXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 329170 | XXXXXXXXX | XXXXXXXXX | Product Code | AC30YrFx | Full Doc | Verified |
| 329170 | XXXXXXXXX | XXXXXXXXX | Property Type | Condo | Condo-Lo 1-4 Stories | Verified |
| 329170 | XXXXXXXXX | XXXXXXXXX | Sales Price | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 329170 | XXXXXXXXX | XXXXXXXXX | QM Status |  | Non-QM | Verified |
| 329170 | XXXXXXXXX | XXXXXXXXX | Qualifying DTI | 37.96000 | 0.37958 | Verified |
| 496946 | XXXXXXXXX | XXXXXXX | Amortization Type |  | Fixed | Verified |
| 496946 | XXXXXXXXX | XXXXXXX | First Payment Date |  | XXXXXXXX | Verified |
| 496946 | XXXXXXXXX | XXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 496946 | XXXXXXXXX | XXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 496946 | XXXXXXXXX | XXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 496946 | XXXXXXXXX | XXXXXXX | Prepayment Penalty | N | Y | Verified |
| 496946 | XXXXXXXXX | XXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 496946 | XXXXXXXXX | XXXXXXX | Property Type | Planned Unit Development | PUD-Detached | Verified |
| 496946 | XXXXXXXXX | XXXXXXX | Sales Price | XXXXXXXXXX |  | Verified |
| 496946 | XXXXXXXXX | XXXXXXX | QM Status |  | Exempt | Verified |
| 726206 | XXXXXXXXX | XXXXXXX | Amortization Type |  | Fixed | Verified |
| 726206 | XXXXXXXXX | XXXXXXX | Doc Type | 12 Mo. Bank Statements | Bank Statement | Verified |
| 726206 | XXXXXXXXX | XXXXXXX | First Payment Date |  | XXXXXXXX | Verified |
| 726206 | XXXXXXXXX | XXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 726206 | XXXXXXXXX | XXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 726206 | XXXXXXXXX | XXXXXXX | Product Code | AC30YrFx | Bk St- 12 mos | Verified |
| 726206 | XXXXXXXXX | XXXXXXX | Sales Price | XXXXXXXXXX |  | Verified |
| 726206 | XXXXXXXXX | XXXXXXX | QM Status |  | Non-QM | Verified |
| 726206 | XXXXXXXXX | XXXXXXX | Qualifying DTI | 41.95000 | 0.44214 | Verified |
| 547136 | XXXXXXXXX | XXXXXXX | Amortization Type |  | Fixed | Verified |
| 547136 | XXXXXXXXX | XXXXXXX | First Payment Date |  | XXXXXXXX | Verified |
| 547136 | XXXXXXXXX | XXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 547136 | XXXXXXXXX | XXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 547136 | XXXXXXXXX | XXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 547136 | XXXXXXXXX | XXXXXXX | Prepayment Penalty | N | Y | Verified |
| 547136 | XXXXXXXXX | XXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 547136 | XXXXXXXXX | XXXXXXX | Sales Price | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 547136 | XXXXXXXXX | XXXXXXX | QM Status |  | Exempt | Verified |
| 704428 | XXXXXXXXX | XXXXXXX | Amortization Type |  | Fixed | Verified |
| 704428 | XXXXXXXXX | XXXXXXX | Qualifying Credit Score | XXX | XXX | Verified |
| 704428 | XXXXXXXXX | XXXXXXX | Doc Type | 12 Mo. Bank Statements | Bank Statement | Verified |
| 704428 | XXXXXXXXX | XXXXXXX | First Payment Date |  | XXXXXXXX | Verified |
| 704428 | XXXXXXXXX | XXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 704428 | XXXXXXXXX | XXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 704428 | XXXXXXXXX | XXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 704428 | XXXXXXXXX | XXXXXXX | Product Code | AC30YrFx | Bk St- 12 mos | Verified |
| 704428 | XXXXXXXXX | XXXXXXX | Property Type | Planned Unit Development | PUD-Detached | Verified |
| 704428 | XXXXXXXXX | XXXXXXX | Sales Price | XXXXXXXXXX |  | Verified |
| 704428 | XXXXXXXXX | XXXXXXX | QM Status |  | Non-QM | Verified |
| 704428 | XXXXXXXXX | XXXXXXX | Qualifying DTI | 47.11000 | 0.47115 | Verified |
| 704428 | XXXXXXXXX | XXXXXXX | Self-Employment Flag | N | Y | Verified |
| 410372 | XXXXXXXXX | XXXXXXX | Amortization Type |  | Fixed | Verified |
| 410372 | XXXXXXXXX | XXXXXXX | Doc Type | 12 Mo. Bank Statements | Bank Statement | Verified |
| 410372 | XXXXXXXXX | XXXXXXX | First Payment Date |  | XXXXXXXX | Verified |
| 410372 | XXXXXXXXX | XXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 410372 | XXXXXXXXX | XXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 410372 | XXXXXXXXX | XXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 410372 | XXXXXXXXX | XXXXXXX | Property Type | Single Family | PUD-Detached | Verified |
| 410372 | XXXXXXXXX | XXXXXXX | Sales Price | XXXXXXXXXX |  | Verified |
| 410372 | XXXXXXXXX | XXXXXXX | QM Status |  | Non-QM | Verified |
| 410372 | XXXXXXXXX | XXXXXXX | Qualifying DTI | 20.82000 | 0.22603 | Verified |
| 294264 | XXXXXXXXX | XXXXXXX | Amortization Type |  | Fixed | Verified |
| 294264 | XXXXXXXXX | XXXXXXX | Original CLTV | XXXXXXXX | XXXXXXXX | Verified |
| 294264 | XXXXXXXXX | XXXXXXX | First Payment Date |  | XXXXXXXX | Verified |
| 294264 | XXXXXXXXX | XXXXXXX | Original Interest Rate | XXXXXXX | XXXXXXX | Verified |
| 294264 | XXXXXXXXX | XXXXXXX | Original LTV | XXXXXXXX | XXXXXXXX | Verified |
| 294264 | XXXXXXXXX | XXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 294264 | XXXXXXXXX | XXXXXXX | Original Loan Amount | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 294264 | XXXXXXXXX | XXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 294264 | XXXXXXXXX | XXXXXXX | Original P&I | XXXXXX | XXXXXX | Verified |
| 294264 | XXXXXXXXX | XXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 294264 | XXXXXXXXX | XXXXXXX | Sales Price | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 294264 | XXXXXXXXX | XXXXXXX | QM Status |  | Exempt | Verified |
| 559970 | XXXXXXXXX | XXXXXXX | Amortization Type |  | Fixed | Verified |
| 559970 | XXXXXXXXX | XXXXXXX | DSCR | 1.483 | 1.460 | Verified |
| 559970 | XXXXXXXXX | XXXXXXX | First Payment Date |  | XXXXXXXX | Verified |
| 559970 | XXXXXXXXX | XXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 559970 | XXXXXXXXX | XXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 559970 | XXXXXXXXX | XXXXXXX | PITI | XXXXXX | XXXXXX | Verified |
| 559970 | XXXXXXXXX | XXXXXXX | Sales Price | XXXXXXXXX | XXXXXXXXXX | Verified |
| 559970 | XXXXXXXXX | XXXXXXX | QM Status |  | Exempt | Verified |
| 608675 | XXXXXXXXX | XXXXXXX | Amortization Type |  | Fixed | Verified |
| 608675 | XXXXXXXXX | XXXXXXX | Doc Type | 12 Mo. Bank Statements | Debt Service Coverage | Verified |
| 608675 | XXXXXXXXX | XXXXXXX | First Payment Date |  | XXXXXXXX | Verified |
| 608675 | XXXXXXXXX | XXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 608675 | XXXXXXXXX | XXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 608675 | XXXXXXXXX | XXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 608675 | XXXXXXXXX | XXXXXXX | Product Code | AC30YrFx | DSCR-Inv | Verified |
| 608675 | XXXXXXXXX | XXXXXXX | Property Type | Planned Unit Development | PUD-Detached | Verified |
| 608675 | XXXXXXXXX | XXXXXXX | Sales Price | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 608675 | XXXXXXXXX | XXXXXXX | QM Status |  | Exempt | Verified |
| 823351 | XXXXXXXXX | XXXXXXXXX | Amortization Type |  | Fixed | Verified |
| 823351 | XXXXXXXXX | XXXXXXXXX | DSCR | 0.887 | 0.860 | Verified |
| 823351 | XXXXXXXXX | XXXXXXXXX | First Payment Date |  | XXXXXXXX | Verified |
| 823351 | XXXXXXXXX | XXXXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 823351 | XXXXXXXXX | XXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 823351 | XXXXXXXXX | XXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 823351 | XXXXXXXXX | XXXXXXXXX | Sales Price | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 823351 | XXXXXXXXX | XXXXXXXXX | QM Status |  | Exempt | Verified |
| 646276 | XXXXXXXXX | XXXXXXXXX | Amortization Type |  | Fixed | Verified |
| 646276 | XXXXXXXXX | XXXXXXXXX | First Payment Date |  | XXXXXXXX | Verified |
| 646276 | XXXXXXXXX | XXXXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 646276 | XXXXXXXXX | XXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 646276 | XXXXXXXXX | XXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 646276 | XXXXXXXXX | XXXXXXXXX | Sales Price | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 646276 | XXXXXXXXX | XXXXXXXXX | QM Status |  | Exempt | Verified |
| 646276 | XXXXXXXXX | XXXXXXXXX | Qualifying DTI | 29.62000 | 0.40005 | Verified |
| 927114 | XXXXXXXXX | XXXXXXXXXXX | Amortization Type |  | Fixed | Verified |
| 927114 | XXXXXXXXX | XXXXXXXXXXX | Doc Type | 12 Mo. Bank Statements | Bank Statement | Verified |
| 927114 | XXXXXXXXX | XXXXXXXXXXX | First Payment Date |  | XXXXXXXX | Verified |
| 927114 | XXXXXXXXX | XXXXXXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 927114 | XXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 927114 | XXXXXXXXX | XXXXXXXXXXX | Product Code | AC30YrFx | Bk St- 12 mos | Verified |
| 927114 | XXXXXXXXX | XXXXXXXXXXX | Sales Price | XXXXXXXXXX |  | Verified |
| 927114 | XXXXXXXXX | XXXXXXXXXXX | QM Status |  | Non-QM | Verified |
| 927114 | XXXXXXXXX | XXXXXXXXXXX | Qualifying DTI | 30.27000 | 0.30904 | Verified |
| 365128 | XXXXXXXXX | XXXXXXXXX | Amortization Type |  | Fixed | Verified |
| 365128 | XXXXXXXXX | XXXXXXXXX | First Payment Date |  | XXXXXXXX | Verified |
| 365128 | XXXXXXXXX | XXXXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 365128 | XXXXXXXXX | XXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 365128 | XXXXXXXXX | XXXXXXXXX | PITI | XXXXXXXXX | XXXXXXXXX | Verified |
| 365128 | XXXXXXXXX | XXXXXXXXX | Prepayment Penalty | N | Y | Verified |
| 365128 | XXXXXXXXX | XXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 365128 | XXXXXXXXX | XXXXXXXXX | Sales Price | XXXXXXXXXXXX | XXXXXXXXXXXX | Verified |
| 365128 | XXXXXXXXX | XXXXXXXXX | QM Status |  | Exempt | Verified |
| 365128 | XXXXXXXXX | XXXXXXXXX | Qualifying DTI | 224.63000 |  | Verified |
| 679745 | XXXXXXXXX | XXXXXXXXX | Amortization Type |  | Fixed | Verified |
| 679745 | XXXXXXXXX | XXXXXXXXX | First Payment Date |  | XXXXXXXX | Verified |
| 679745 | XXXXXXXXX | XXXXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 679745 | XXXXXXXXX | XXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 679745 | XXXXXXXXX | XXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 679745 | XXXXXXXXX | XXXXXXXXX | Prepayment Penalty | N | Y | Verified |
| 679745 | XXXXXXXXX | XXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 679745 | XXXXXXXXX | XXXXXXXXX | Property Type | Planned Unit Development | PUD-Attached | Verified |
| 679745 | XXXXXXXXX | XXXXXXXXX | Sales Price | XXXXXXXXXX |  | Verified |
| 679745 | XXXXXXXXX | XXXXXXXXX | QM Status |  | Exempt | Verified |
| 409442 | XXXXXXXXX | XXXXXXXXXX | Amortization Type |  | Fixed | Verified |
| 409442 | XXXXXXXXX | XXXXXXXXXX | Doc Type | 12 Mo. Bank Statements | Bank Statement | Verified |
| 409442 | XXXXXXXXX | XXXXXXXXXX | First Payment Date |  | XXXXXXXX | Verified |
| 409442 | XXXXXXXXX | XXXXXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 409442 | XXXXXXXXX | XXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 409442 | XXXXXXXXX | XXXXXXXXXX | Prepayment Penalty | N | Y | Verified |
| 409442 | XXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 409442 | XXXXXXXXX | XXXXXXXXXX | Product Code | AC30YrFx | Bk St- 12 mos | Verified |
| 409442 | XXXXXXXXX | XXXXXXXXXX | Sales Price | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 409442 | XXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt | Verified |
| 409442 | XXXXXXXXX | XXXXXXXXXX | Qualifying DTI | 30.10000 | 0.30782 | Verified |
| 203946 | XXXXXXXXX | XXXXXXXXX | Amortization Type |  | Fixed | Verified |
| 203946 | XXXXXXXXX | XXXXXXXXX | Original CLTV | XXXXXXXX | XXXXXXXX | Verified |
| 203946 | XXXXXXXXX | XXXXXXXXX | DSCR | 1.869 | 1.660 | Verified |
| 203946 | XXXXXXXXX | XXXXXXXXX | First Payment Date |  | XXXXXXXX | Verified |
| 203946 | XXXXXXXXX | XXXXXXXXX | Original LTV | XXXXXXXX | XXXXXXXX | Verified |
| 203946 | XXXXXXXXX | XXXXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 203946 | XXXXXXXXX | XXXXXXXXX | Original Loan Amount | XXXXXXXXX | XXXXXXXXXX | Verified |
| 203946 | XXXXXXXXX | XXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 203946 | XXXXXXXXX | XXXXXXXXX | Original P&I |  | XXXXXX | Verified |
| 203946 | XXXXXXXXX | XXXXXXXXX | PITI | XXXXXX | XXXXXX | Verified |
| 203946 | XXXXXXXXX | XXXXXXXXX | Prepayment Penalty | N | Y | Verified |
| 203946 | XXXXXXXXX | XXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 203946 | XXXXXXXXX | XXXXXXXXX | Sales Price | XXXXXXXXX |  | Verified |
| 203946 | XXXXXXXXX | XXXXXXXXX | QM Status |  | Exempt | Verified |
| 250306 | XXXXXXXXX | XXXXXXXXXXXXX | Amortization Type |  | Fixed | Verified |
| 250306 | XXXXXXXXX | XXXXXXXXXXXXX | First Payment Date |  | XXXXXXXX | Verified |
| 250306 | XXXXXXXXX | XXXXXXXXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 250306 | XXXXXXXXX | XXXXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 250306 | XXXXXXXXX | XXXXXXXXXXXXX | Prepayment Penalty | N | Y | Verified |
| 250306 | XXXXXXXXX | XXXXXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 250306 | XXXXXXXXX | XXXXXXXXXXXXX | Sales Price | XXXXXXXXXX |  | Verified |
| 250306 | XXXXXXXXX | XXXXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 437806 | XXXXXXXXX | XXXXXXXXXX | Amortization Type |  | Fixed | Verified |
| 437806 | XXXXXXXXX | XXXXXXXXXX | Original Amortization Term | 360 | 300 | Verified |
| 437806 | XXXXXXXXX | XXXXXXXXXX | Appraised Value | XXXXXXXX | XXXXXXXX | Verified |
| 437806 | XXXXXXXXX | XXXXXXXXXX | DSCR | 0.947 | 0.900 | Verified |
| 437806 | XXXXXXXXX | XXXXXXXXXX | First Payment Date |  | XXXXXXXX | Verified |
| 437806 | XXXXXXXXX | XXXXXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 437806 | XXXXXXXXX | XXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 437806 | XXXXXXXXX | XXXXXXXXXX | PITI | XXXXXXXXX | XXXXXXXXX | Verified |
| 437806 | XXXXXXXXX | XXXXXXXXXX | Product Code | AC30YrFx | DSCR-Inv | Verified |
| 437806 | XXXXXXXXX | XXXXXXXXXX | Property Type | Planned Unit Development | PUD-Detached | Verified |
| 437806 | XXXXXXXXX | XXXXXXXXXX | Sales Price | XXXXXXXXXXXX |  | Verified |
| 437806 | XXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt | Verified |
| 244277 | XXXXXXXXX | XXXXXXX | Amortization Type |  | Fixed | Verified |
| 244277 | XXXXXXXXX | XXXXXXX | Qualifying Credit Score | XXX |  | Verified |
| 244277 | XXXXXXXXX | XXXXXXX | First Payment Date |  | XXXXXXXX | Verified |
| 244277 | XXXXXXXXX | XXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 244277 | XXXXXXXXX | XXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 244277 | XXXXXXXXX | XXXXXXX | Prepayment Penalty | N | Y | Verified |
| 244277 | XXXXXXXXX | XXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 244277 | XXXXXXXXX | XXXXXXX | Product Code | AC30YrFx | DSCR- FN | Verified |
| 244277 | XXXXXXXXX | XXXXXXX | Sales Price | XXXXXXXXXX |  | Verified |
| 244277 | XXXXXXXXX | XXXXXXX | QM Status |  | Exempt | Verified |
| 881348 | XXXXXXXXX | XXXXXXX | Amortization Type |  | Fixed | Verified |
| 881348 | XXXXXXXXX | XXXXXXX | Qualifying Credit Score | XXX |  | Verified |
| 881348 | XXXXXXXXX | XXXXXXX | DSCR | 1.067 | 1.080 | Verified |
| 881348 | XXXXXXXXX | XXXXXXX | First Payment Date |  | XXXXXXXX | Verified |
| 881348 | XXXXXXXXX | XXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 881348 | XXXXXXXXX | XXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 881348 | XXXXXXXXX | XXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 881348 | XXXXXXXXX | XXXXXXX | Sales Price | XXXXXXXXXX |  | Verified |
| 881348 | XXXXXXXXX | XXXXXXX | QM Status |  | Exempt | Verified |
| 896223 | XXXXXXXXX | XXXXXXX | Amortization Type |  | Fixed | Verified |
| 896223 | XXXXXXXXX | XXXXXXX | DSCR | 1.367 | 1.340 | Verified |
| 896223 | XXXXXXXXX | XXXXXXX | First Payment Date |  | XXXXXXXX | Verified |
| 896223 | XXXXXXXXX | XXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 896223 | XXXXXXXXX | XXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 896223 | XXXXXXXXX | XXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 896223 | XXXXXXXXX | XXXXXXX | Prepayment Penalty | Y | N | Verified |
| 896223 | XXXXXXXXX | XXXXXXX | Prepayment Penalty Type | Term |  | Verified |
| 896223 | XXXXXXXXX | XXXXXXX | Product Code | AC30YrFx | DSCR- FN | Verified |
| 896223 | XXXXXXXXX | XXXXXXX | Property Street Address | XXXXXX | XXXXXX | Verified |
| 896223 | XXXXXXXXX | XXXXXXX | Sales Price | XXXXXXXXXX |  | Verified |
| 896223 | XXXXXXXXX | XXXXXXX | QM Status |  | Exempt | Verified |
| 318902 | XXXXXXXXX | XXXXXXX | Amortization Type |  | Fixed | Verified |
| 318902 | XXXXXXXXX | XXXXXXX | First Payment Date |  | XXXXXXXX | Verified |
| 318902 | XXXXXXXXX | XXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 318902 | XXXXXXXXX | XXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 318902 | XXXXXXXXX | XXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 318902 | XXXXXXXXX | XXXXXXX | Prepayment Penalty | N | Y | Verified |
| 318902 | XXXXXXXXX | XXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 318902 | XXXXXXXXX | XXXXXXX | Property Type | Planned Unit Development | PUD-Detached | Verified |
| 318902 | XXXXXXXXX | XXXXXXX | Sales Price | XXXXXXXXXX |  | Verified |
| 318902 | XXXXXXXXX | XXXXXXX | QM Status |  | Exempt | Verified |
| 780847 | XXXXXXXXX | XXXXXXX | Amortization Type |  | Fixed | Verified |
| 780847 | XXXXXXXXX | XXXXXXX | First Payment Date |  | XXXXXXXX | Verified |
| 780847 | XXXXXXXXX | XXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 780847 | XXXXXXXXX | XXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 780847 | XXXXXXXXX | XXXXXXX | Prepayment Penalty | N | Y | Verified |
| 780847 | XXXXXXXXX | XXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 780847 | XXXXXXXXX | XXXXXXX | Product Code | AC30YrFx 5 Yr IO | DSCR-Inv | Verified |
| 780847 | XXXXXXXXX | XXXXXXX | Sales Price | XXXXXXXXXX |  | Verified |
| 780847 | XXXXXXXXX | XXXXXXX | QM Status |  | Exempt | Verified |
| 280539 | XXXXXXXXX | XXXXXXX | Amortization Type |  | Fixed | Verified |
| 280539 | XXXXXXXXX | XXXXXXX | Qualifying Credit Score | XXX |  | Verified |
| 280539 | XXXXXXXXX | XXXXXXX | DSCR | 1.668 | 1.600 | Verified |
| 280539 | XXXXXXXXX | XXXXXXX | First Payment Date |  | XXXXXXXX | Verified |
| 280539 | XXXXXXXXX | XXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 280539 | XXXXXXXXX | XXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 280539 | XXXXXXXXX | XXXXXXX | PITI | XXXXXX | XXXXXX | Verified |
| 280539 | XXXXXXXXX | XXXXXXX | Prepayment Penalty | N | Y | Verified |
| 280539 | XXXXXXXXX | XXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 280539 | XXXXXXXXX | XXXXXXX | Product Code | AC30YrFx | DSCR-Inv | Verified |
| 280539 | XXXXXXXXX | XXXXXXX | Sales Price | XXXXXXXXX |  | Verified |
| 280539 | XXXXXXXXX | XXXXXXX | QM Status |  | Exempt | Verified |
| 874914 | XXXXXXXXX | XXXXXXX | Amortization Type |  | Fixed | Verified |
| 874914 | XXXXXXXXX | XXXXXXX | Qualifying Credit Score | XXX |  | Verified |
| 874914 | XXXXXXXXX | XXXXXXX | First Payment Date |  | XXXXXXXX | Verified |
| 874914 | XXXXXXXXX | XXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 874914 | XXXXXXXXX | XXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 874914 | XXXXXXXXX | XXXXXXX | PITI | XXXXXX | XXXXXX | Verified |
| 874914 | XXXXXXXXX | XXXXXXX | Prepayment Penalty | N | Y | Verified |
| 874914 | XXXXXXXXX | XXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 874914 | XXXXXXXXX | XXXXXXX | Sales Price | XXXXXXXXXX |  | Verified |
| 874914 | XXXXXXXXX | XXXXXXX | QM Status |  | Exempt | Verified |
| 112172 | XXXXXXXXX | XXXXXXX | Amortization Type |  | Fixed | Verified |
| 112172 | XXXXXXXXX | XXXXXXX | Qualifying Credit Score | XXX |  | Verified |
| 112172 | XXXXXXXXX | XXXXXXX | DSCR | 1.351 | 1.570 | Verified |
| 112172 | XXXXXXXXX | XXXXXXX | First Payment Date |  | XXXXXXXX | Verified |
| 112172 | XXXXXXXXX | XXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 112172 | XXXXXXXXX | XXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 112172 | XXXXXXXXX | XXXXXXX | Original P&I |  | XXXXXX | Verified |
| 112172 | XXXXXXXXX | XXXXXXX | PITI | XXXXXXXX | XXXXXX | Verified |
| 112172 | XXXXXXXXX | XXXXXXX | Sales Price | XXXXXXXXXX |  | Verified |
| 112172 | XXXXXXXXX | XXXXXXX | QM Status |  | Exempt | Verified |
| 754474 | XXXXXXXXX | XXXXXXX | Amortization Type |  | Fixed | Verified |
| 754474 | XXXXXXXXX | XXXXXXX | Qualifying Credit Score | XXX |  | Verified |
| 754474 | XXXXXXXXX | XXXXXXX | First Payment Date |  | XXXXXXXX | Verified |
| 754474 | XXXXXXXXX | XXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 754474 | XXXXXXXXX | XXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 754474 | XXXXXXXXX | XXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 754474 | XXXXXXXXX | XXXXXXX | Prepayment Penalty | N | Y | Verified |
| 754474 | XXXXXXXXX | XXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 754474 | XXXXXXXXX | XXXXXXX | Property Street Address | XXXXXX | XXXXXX | Verified |
| 754474 | XXXXXXXXX | XXXXXXX | Property Type | Condo | Condo-Lo 1-4 Stories | Verified |
| 754474 | XXXXXXXXX | XXXXXXX | Sales Price | XXXXXXXXXX |  | Verified |
| 754474 | XXXXXXXXX | XXXXXXX | QM Status |  | Exempt | Verified |
| 135160 | XXXXXXXXX | XXXXXXX | Amortization Type |  | Fixed | Verified |
| 135160 | XXXXXXXXX | XXXXXXX | First Payment Date |  | XXXXXXXX | Verified |
| 135160 | XXXXXXXXX | XXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 135160 | XXXXXXXXX | XXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 135160 | XXXXXXXXX | XXXXXXX | Prepayment Penalty | N | Y | Verified |
| 135160 | XXXXXXXXX | XXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 135160 | XXXXXXXXX | XXXXXXX | Product Code | AC30YrFx | DSCR-Inv | Verified |
| 135160 | XXXXXXXXX | XXXXXXX | Sales Price | XXXXXXXXXX |  | Verified |
| 135160 | XXXXXXXXX | XXXXXXX | QM Status |  | Exempt | Verified |
| 764247 | XXXXXXXXX | XXXXXXX | Amortization Type |  | Fixed | Verified |
| 764247 | XXXXXXXXX | XXXXXXX | First Payment Date |  | XXXXXXXX | Verified |
| 764247 | XXXXXXXXX | XXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 764247 | XXXXXXXXX | XXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 764247 | XXXXXXXXX | XXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 764247 | XXXXXXXXX | XXXXXXX | Prepayment Penalty | N | Y | Verified |
| 764247 | XXXXXXXXX | XXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 764247 | XXXXXXXXX | XXXXXXX | Product Code | AC30YrFx | DSCR-Inv | Verified |
| 764247 | XXXXXXXXX | XXXXXXX | Property City | Ft Worth | Fort Worth | Verified |
| 764247 | XXXXXXXXX | XXXXXXX | Sales Price | XXXXXXXXXX |  | Verified |
| 764247 | XXXXXXXXX | XXXXXXX | QM Status |  | Exempt | Verified |
| 977320 | XXXXXXXXX | XXXXXXX | Amortization Type |  | Fixed | Verified |
| 977320 | XXXXXXXXX | XXXXXXX | DSCR | 1.523 | 1.540 | Verified |
| 977320 | XXXXXXXXX | XXXXXXX | First Payment Date |  | XXXXXXXX | Verified |
| 977320 | XXXXXXXXX | XXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 977320 | XXXXXXXXX | XXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 977320 | XXXXXXXXX | XXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 977320 | XXXXXXXXX | XXXXXXX | Prepayment Penalty | N | Y | Verified |
| 977320 | XXXXXXXXX | XXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 977320 | XXXXXXXXX | XXXXXXX | Product Code | AC30YrFx | DSCR- FN | Verified |
| 977320 | XXXXXXXXX | XXXXXXX | Sales Price | XXXXXXXXXX |  | Verified |
| 977320 | XXXXXXXXX | XXXXXXX | QM Status |  | Exempt | Verified |
| 162666 | XXXXXXXXX | XXXXXXX | Amortization Type |  | Fixed | Verified |
| 162666 | XXXXXXXXX | XXXXXXX | First Payment Date |  | XXXXXXXX | Verified |
| 162666 | XXXXXXXXX | XXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 162666 | XXXXXXXXX | XXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 162666 | XXXXXXXXX | XXXXXXX | Prepayment Penalty Type | Term | Hard | Verified |
| 162666 | XXXXXXXXX | XXXXXXX | Product Code | AC30YrFx | DSCR- FN | Verified |
| 162666 | XXXXXXXXX | XXXXXXX | Sales Price | XXXXXXXXX |  | Verified |
| 162666 | XXXXXXXXX | XXXXXXX | QM Status |  | Exempt | Verified |
| 139334 | XXXXXXXXX | XXXXXXX | Amortization Type |  | Fixed | Verified |
| 139334 | XXXXXXXXX | XXXXXXX | Qualifying Credit Score | XXX |  | Verified |
| 139334 | XXXXXXXXX | XXXXXXX | First Payment Date |  | XXXXXXXX | Verified |
| 139334 | XXXXXXXXX | XXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 139334 | XXXXXXXXX | XXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 139334 | XXXXXXXXX | XXXXXXX | Sales Price | XXXXXXXXXX |  | Verified |
| 139334 | XXXXXXXXX | XXXXXXX | QM Status |  | Exempt | Verified |
| 553332 | XXXXXXXXX | XXXXXXX | Amortization Type |  | Fixed | Verified |
| 553332 | XXXXXXXXX | XXXXXXX | First Payment Date |  | XXXXXXXX | Verified |
| 553332 | XXXXXXXXX | XXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 553332 | XXXXXXXXX | XXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 553332 | XXXXXXXXX | XXXXXXX | Product Code | AC30YrFx | DSCR-Inv | Verified |
| 553332 | XXXXXXXXX | XXXXXXX | Sales Price | XXXXXXXXXX |  | Verified |
| 553332 | XXXXXXXXX | XXXXXXX | QM Status |  | Exempt | Verified |
| 438154 | XXXXXXXXX | XXXXXXXXXXXXX | Amortization Type |  | Fixed | Verified |
| 438154 | XXXXXXXXX | XXXXXXXXXXXXX | First Payment Date |  | XXXXXXXX | Verified |
| 438154 | XXXXXXXXX | XXXXXXXXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 438154 | XXXXXXXXX | XXXXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 438154 | XXXXXXXXX | XXXXXXXXXXXXX | Prepayment Penalty | N | Y | Verified |
| 438154 | XXXXXXXXX | XXXXXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 438154 | XXXXXXXXX | XXXXXXXXXXXXX | Sales Price | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 438154 | XXXXXXXXX | XXXXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 651399 | XXXXXXXXX | XXXXXXXXXXXXX | Amortization Type |  | Fixed | Verified |
| 651399 | XXXXXXXXX | XXXXXXXXXXXXX | First Payment Date |  | XXXXXXXX | Verified |
| 651399 | XXXXXXXXX | XXXXXXXXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 651399 | XXXXXXXXX | XXXXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 651399 | XXXXXXXXX | XXXXXXXXXXXXX | Product Code | AC30YrFx | DSCR-Inv | Verified |
| 651399 | XXXXXXXXX | XXXXXXXXXXXXX | Sales Price | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 651399 | XXXXXXXXX | XXXXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 849939 | XXXXXXXXX | XXXXXXXXXXXXXX | Amortization Type |  | Fixed | Verified |
| 849939 | XXXXXXXXX | XXXXXXXXXXXXXX | First Payment Date |  | XXXXXXXX | Verified |
| 849939 | XXXXXXXXX | XXXXXXXXXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 849939 | XXXXXXXXX | XXXXXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 849939 | XXXXXXXXX | XXXXXXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 849939 | XXXXXXXXX | XXXXXXXXXXXXXX | Property Type | Condo | Condo-Lo 1-4 Stories | Verified |
| 849939 | XXXXXXXXX | XXXXXXXXXXXXXX | Sales Price | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 849939 | XXXXXXXXX | XXXXXXXXXXXXXX | QM Status |  | Safe Harbor QM (APOR) | Verified |
| 849939 | XXXXXXXXX | XXXXXXXXXXXXXX | Qualifying DTI | 47.52000 | 0.46028 | Verified |
| 221735 | XXXXXXXXX | XXXXXXXXXXXXXX | Amortization Type |  | Fixed | Verified |
| 221735 | XXXXXXXXX | XXXXXXXXXXXXXX | First Payment Date |  | XXXXXXXX | Verified |
| 221735 | XXXXXXXXX | XXXXXXXXXXXXXX | Original Interest Rate | XXXXX | XXXXXX | Verified |
| 221735 | XXXXXXXXX | XXXXXXXXXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 221735 | XXXXXXXXX | XXXXXXXXXXXXXX | Original Loan Amount | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 221735 | XXXXXXXXX | XXXXXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 221735 | XXXXXXXXX | XXXXXXXXXXXXXX | Original P&I | XXXXXX | XXXXXX | Verified |
| 221735 | XXXXXXXXX | XXXXXXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 221735 | XXXXXXXXX | XXXXXXXXXXXXXX | Sales Price | XXXXXXXXXX |  | Verified |
| 221735 | XXXXXXXXX | XXXXXXXXXXXXXX | QM Status |  | Safe Harbor QM (APOR) | Verified |
| 221735 | XXXXXXXXX | XXXXXXXXXXXXXX | Qualifying DTI | 48.34000 | 0.49612 | Verified |
| 963242 | XXXXXXXXX | XXXXXXXXX | Amortization Type |  | Fixed | Verified |
| 963242 | XXXXXXXXX | XXXXXXXXX | DSCR | 1.171 | 1.130 | Verified |
| 963242 | XXXXXXXXX | XXXXXXXXX | First Payment Date |  | XXXXXXXX | Verified |
| 963242 | XXXXXXXXX | XXXXXXXXX | Original Interest Rate | XXXXXXX | XXXX | Verified |
| 963242 | XXXXXXXXX | XXXXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 963242 | XXXXXXXXX | XXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 963242 | XXXXXXXXX | XXXXXXXXX | Original P&I | XXXXXX | XXXXXX | Verified |
| 963242 | XXXXXXXXX | XXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 963242 | XXXXXXXXX | XXXXXXXXX | Sales Price | XXXXXXXXXX |  | Verified |
| 963242 | XXXXXXXXX | XXXXXXXXX | QM Status |  | Exempt | Verified |
| 966112 | XXXXXXXXX | XXXXXXXXXXX | Amortization Type |  | Fixed | Verified |
| 966112 | XXXXXXXXX | XXXXXXXXXXX | Doc Type | 12 Mo. Bank Statements | Bank Statement | Verified |
| 966112 | XXXXXXXXX | XXXXXXXXXXX | First Payment Date |  | XXXXXXXX | Verified |
| 966112 | XXXXXXXXX | XXXXXXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 966112 | XXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 966112 | XXXXXXXXX | XXXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 966112 | XXXXXXXXX | XXXXXXXXXXX | Product Code | 0 | Bk St- 12 mos | Verified |
| 966112 | XXXXXXXXX | XXXXXXXXXXX | Property Type | Single Family | PUD-Detached | Verified |
| 966112 | XXXXXXXXX | XXXXXXXXXXX | Sales Price | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 966112 | XXXXXXXXX | XXXXXXXXXXX | QM Status |  | Non-QM | Verified |
| 966112 | XXXXXXXXX | XXXXXXXXXXX | Qualifying DTI | 40.42000 | 0.40632 | Verified |
| 449713 | XXXXXXXXX | XXXXXXXXXX | Amortization Type |  | Fixed | Verified |
| 449713 | XXXXXXXXX | XXXXXXXXXX | DSCR | 1.151 | 1.140 | Verified |
| 449713 | XXXXXXXXX | XXXXXXXXXX | First Payment Date |  | XXXXXXXX | Verified |
| 449713 | XXXXXXXXX | XXXXXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 449713 | XXXXXXXXX | XXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 449713 | XXXXXXXXX | XXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 449713 | XXXXXXXXX | XXXXXXXXXX | Sales Price | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 449713 | XXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt | Verified |
| 486205 | XXXXXXXXX | XXXXXXXXXX | Amortization Type |  | Fixed | Verified |
| 486205 | XXXXXXXXX | XXXXXXXXXX | First Payment Date |  | XXXXXXXX | Verified |
| 486205 | XXXXXXXXX | XXXXXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 486205 | XXXXXXXXX | XXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 486205 | XXXXXXXXX | XXXXXXXXXX | Sales Price | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 486205 | XXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt | Verified |
| 568147 | XXXXXXXXX | XXXXXXXXXX | Amortization Type |  | Fixed | Verified |
| 568147 | XXXXXXXXX | XXXXXXXXXX | First Payment Date |  | XXXXXXXX | Verified |
| 568147 | XXXXXXXXX | XXXXXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 568147 | XXXXXXXXX | XXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 568147 | XXXXXXXXX | XXXXXXXXXX | Sales Price | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 568147 | XXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt | Verified |
| 482049 | XXXXXXXXX | XXXXXXXXXX | Amortization Type |  | Fixed | Verified |
| 482049 | XXXXXXXXX | XXXXXXXXXX | Appraised Value | XXXXXXXX | XXXXXXXX | Verified |
| 482049 | XXXXXXXXX | XXXXXXXXXX | Doc Type | 12 Mo. Bank Statements | Bank Statement | Verified |
| 482049 | XXXXXXXXX | XXXXXXXXXX | First Payment Date |  | XXXXXXXX | Verified |
| 482049 | XXXXXXXXX | XXXXXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 482049 | XXXXXXXXX | XXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 482049 | XXXXXXXXX | XXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 482049 | XXXXXXXXX | XXXXXXXXXX | Prepayment Penalty | N | Y | Verified |
| 482049 | XXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 482049 | XXXXXXXXX | XXXXXXXXXX | Property Street Address | XXXXXX | XXXXXX | Verified |
| 482049 | XXXXXXXXX | XXXXXXXXXX | Sales Price | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 482049 | XXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt | Verified |
| 482049 | XXXXXXXXX | XXXXXXXXXX | Qualifying DTI | 9.48000 | 0.08513 | Verified |
| 918164 | XXXXXXXXX | XXXXXXXXXX | Amortization Type |  | Fixed | Verified |
| 918164 | XXXXXXXXX | XXXXXXXXXX | Appraised Value | XXXXXXXX | XXXXXXXX | Verified |
| 918164 | XXXXXXXXX | XXXXXXXXXX | Doc Type | 12 Mo. Bank Statements | Bank Statement | Verified |
| 918164 | XXXXXXXXX | XXXXXXXXXX | First Payment Date |  | XXXXXXXX | Verified |
| 918164 | XXXXXXXXX | XXXXXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 918164 | XXXXXXXXX | XXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 918164 | XXXXXXXXX | XXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 918164 | XXXXXXXXX | XXXXXXXXXX | Property Type | Planned Unit Development | PUD-Detached | Verified |
| 918164 | XXXXXXXXX | XXXXXXXXXX | Sales Price | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 918164 | XXXXXXXXX | XXXXXXXXXX | QM Status |  | Non-QM | Verified |
| 918164 | XXXXXXXXX | XXXXXXXXXX | Qualifying DTI | 27.36000 | 0.27809 | Verified |
| 626306 | XXXXXXXXX | XXXXXXXXXXXX | Amortization Type |  | Fixed | Verified |
| 626306 | XXXXXXXXX | XXXXXXXXXXXX | Original CLTV | XXXXXXXX | XXXXXXXX | Verified |
| 626306 | XXXXXXXXX | XXXXXXXXXXXX | DSCR | 1.518 | 1.670 | Verified |
| 626306 | XXXXXXXXX | XXXXXXXXXXXX | First Payment Date |  | XXXXXXXX | Verified |
| 626306 | XXXXXXXXX | XXXXXXXXXXXX | Original LTV | XXXXXXXX | XXXXXXXX | Verified |
| 626306 | XXXXXXXXX | XXXXXXXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 626306 | XXXXXXXXX | XXXXXXXXXXXX | Original Loan Amount | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 626306 | XXXXXXXXX | XXXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 626306 | XXXXXXXXX | XXXXXXXXXXXX | Original P&I | XXXXXX | XXXXXX | Verified |
| 626306 | XXXXXXXXX | XXXXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 626306 | XXXXXXXXX | XXXXXXXXXXXX | Prepayment Penalty Type | Term | Hard | Verified |
| 626306 | XXXXXXXXX | XXXXXXXXXXXX | Product Code | AC30YrFx | DSCR-Inv | Verified |
| 626306 | XXXXXXXXX | XXXXXXXXXXXX | Sales Price | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 626306 | XXXXXXXXX | XXXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 337557 | XXXXXXXXX | XXXXXXXXXX | Amortization Type |  | Fixed | Verified |
| 337557 | XXXXXXXXX | XXXXXXXXXX | DSCR | 1.820 | 1.770 | Verified |
| 337557 | XXXXXXXXX | XXXXXXXXXX | First Payment Date |  | XXXXXXXX | Verified |
| 337557 | XXXXXXXXX | XXXXXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 337557 | XXXXXXXXX | XXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 337557 | XXXXXXXXX | XXXXXXXXXX | Product Code | AC30YrFx | DSCR-Inv | Verified |
| 337557 | XXXXXXXXX | XXXXXXXXXX | Property Type | Single Family | Two Family | Verified |
| 337557 | XXXXXXXXX | XXXXXXXXXX | Sales Price | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 337557 | XXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt | Verified |
| 109349 | XXXXXXXXX | XXXXXXXXXXXXX | Amortization Type |  | Fixed | Verified |
| 109349 | XXXXXXXXX | XXXXXXXXXXXXX | Qualifying Credit Score | XXX | XXX | Verified |
| 109349 | XXXXXXXXX | XXXXXXXXXXXXX | Doc Type | Full | Asset Depletion | Verified |
| 109349 | XXXXXXXXX | XXXXXXXXXXXXX | First Payment Date |  | XXXXXXXX | Verified |
| 109349 | XXXXXXXXX | XXXXXXXXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 109349 | XXXXXXXXX | XXXXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 109349 | XXXXXXXXX | XXXXXXXXXXXXX | Property Type | Planned Unit Development | Single Family | Verified |
| 109349 | XXXXXXXXX | XXXXXXXXXXXXX | Sales Price | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 109349 | XXXXXXXXX | XXXXXXXXXXXXX | QM Status |  | Safe Harbor QM (APOR) | Verified |
| 965853 | XXXXXXXXX | XXXXXXXXXXXXX | Amortization Type |  | Fixed | Verified |
| 965853 | XXXXXXXXX | XXXXXXXXXXXXX | DSCR | 1.134 | 1.110 | Verified |
| 965853 | XXXXXXXXX | XXXXXXXXXXXXX | First Payment Date |  | XXXXXXXX | Verified |
| 965853 | XXXXXXXXX | XXXXXXXXXXXXX | Original Interest Rate | XXXXXX | XXXXXXX | Verified |
| 965853 | XXXXXXXXX | XXXXXXXXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 965853 | XXXXXXXXX | XXXXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 965853 | XXXXXXXXX | XXXXXXXXXXXXX | Original P&I | XXXXXX | XXXXXX | Verified |
| 965853 | XXXXXXXXX | XXXXXXXXXXXXX | PITI | XXXXXXXX | XXXXXX | Verified |
| 965853 | XXXXXXXXX | XXXXXXXXXXXXX | Prepayment Penalty | N | Y | Verified |
| 965853 | XXXXXXXXX | XXXXXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 965853 | XXXXXXXXX | XXXXXXXXXXXXX | Product Code | AC30YrFx | DSCR-Inv | Verified |
| 965853 | XXXXXXXXX | XXXXXXXXXXXXX | Property Type | Condo | Condo-Lo 1-4 Stories | Verified |
| 965853 | XXXXXXXXX | XXXXXXXXXXXXX | Sales Price | XXXXXXXXXX |  | Verified |
| 965853 | XXXXXXXXX | XXXXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 881028 | XXXXXXXXX | XXXXXXXXXXXXX | Amortization Type |  | Fixed | Verified |
| 881028 | XXXXXXXXX | XXXXXXXXXXXXX | DSCR | 1.174 | 1.210 | Verified |
| 881028 | XXXXXXXXX | XXXXXXXXXXXXX | First Payment Date |  | XXXXXXXX | Verified |
| 881028 | XXXXXXXXX | XXXXXXXXXXXXX | Original Interest Rate | XXXXXX | XXXXXXX | Verified |
| 881028 | XXXXXXXXX | XXXXXXXXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 881028 | XXXXXXXXX | XXXXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 881028 | XXXXXXXXX | XXXXXXXXXXXXX | Original P&I | XXXXXX | XXXXXX | Verified |
| 881028 | XXXXXXXXX | XXXXXXXXXXXXX | PITI | XXXXXXXX | XXXXXX | Verified |
| 881028 | XXXXXXXXX | XXXXXXXXXXXXX | Prepayment Penalty | N | Y | Verified |
| 881028 | XXXXXXXXX | XXXXXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 881028 | XXXXXXXXX | XXXXXXXXXXXXX | Product Code | AC30YrFx | DSCR-Inv | Verified |
| 881028 | XXXXXXXXX | XXXXXXXXXXXXX | Property Type | Condo | Condo-Lo 1-4 Stories | Verified |
| 881028 | XXXXXXXXX | XXXXXXXXXXXXX | Sales Price | XXXXXXXXXX |  | Verified |
| 881028 | XXXXXXXXX | XXXXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 813548 | XXXXXXXXX | XXXXXXXXXXXXX | Amortization Type |  | Fixed | Verified |
| 813548 | XXXXXXXXX | XXXXXXXXXXXXX | DSCR | 1.797 | 1.750 | Verified |
| 813548 | XXXXXXXXX | XXXXXXXXXXXXX | First Payment Date |  | XXXXXXXX | Verified |
| 813548 | XXXXXXXXX | XXXXXXXXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 813548 | XXXXXXXXX | XXXXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 813548 | XXXXXXXXX | XXXXXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 813548 | XXXXXXXXX | XXXXXXXXXXXXX | Sales Price | XXXXXXXXX |  | Verified |
| 813548 | XXXXXXXXX | XXXXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 910133 | XXXXXXXXX | XXXXXXXXXXXXX | Amortization Type |  | Fixed | Verified |
| 910133 | XXXXXXXXX | XXXXXXXXXXXXX | Qualifying Credit Score | XXX | XXX | Verified |
| 910133 | XXXXXXXXX | XXXXXXXXXXXXX | First Payment Date |  | XXXXXXXX | Verified |
| 910133 | XXXXXXXXX | XXXXXXXXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 910133 | XXXXXXXXX | XXXXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 910133 | XXXXXXXXX | XXXXXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 910133 | XXXXXXXXX | XXXXXXXXXXXXX | Prepayment Penalty | N | Y | Verified |
| 910133 | XXXXXXXXX | XXXXXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 910133 | XXXXXXXXX | XXXXXXXXXXXXX | Product Code | AC30YrFx | DSCR-Inv | Verified |
| 910133 | XXXXXXXXX | XXXXXXXXXXXXX | Property Type | Condo | Condo-Lo 1-4 Stories | Verified |
| 910133 | XXXXXXXXX | XXXXXXXXXXXXX | Sales Price | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 910133 | XXXXXXXXX | XXXXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 797835 | XXXXXXXXX | XXXXXXXXXX | Amortization Type |  | Fixed | Verified |
| 797835 | XXXXXXXXX | XXXXXXXXXX | First Payment Date |  | XXXXXXXX | Verified |
| 797835 | XXXXXXXXX | XXXXXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 797835 | XXXXXXXXX | XXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 797835 | XXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type | Term | Hard | Verified |
| 797835 | XXXXXXXXX | XXXXXXXXXX | Product Code | AC30YrFx | DSCR-Inv | Verified |
| 797835 | XXXXXXXXX | XXXXXXXXXX | Sales Price | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 797835 | XXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt | Verified |

---

## Exhibit 99.4

![](evolve_logo.jpg)

**QM ATR Data**

**Run Date - 12/30/2025 10:06:07 AM**

---

| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Redacted LoanID** | **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** |
| 835367 | XXXXXXXXX | XXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $0.00 | XXX | 7.237% | Employed |  | US Citizen |  |  |  | Yes | $15267.30 |
| 371813 | XXXXXXXXX | XXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $7075.00 | XXX | 6.938% | Not Required | Not Required | US Citizen |  | US Citizen |  | No |  |
| 317430 | XXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required | Not Required | US Citizen |  | US Citizen |  | No |  |
| 753956 | XXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 931778 | XXXXXXXXXXXX | XXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 858287 | XXXXXXXXX | XXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Employed |  | US Citizen |  |  |  | Yes | $4890.23 |
| 329170 | XXXXXXXXX | XXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $1990.00 | XXX | 9.538% | Employed |  | US Citizen |  |  |  | Yes | $6133.74 |
| 496946 | XXXXXXXXX | XXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | Non Permanent Resident Alien | I-151 Green Card |  |  | No |  |
| 726206 | XXXXXXXXX | XXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $0.00 | XXX | 9.114% | Self-Employed |  | US Citizen |  |  |  | Yes | $3212.03 |
| 547136 | XXXXXXXXX | XXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required | Not Required | US Citizen |  | US Citizen |  | No |  |
| 704428 | XXXXXXXXX | XXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $6994.60 | XXX | 7.524% | Employed | Self-Employed | US Citizen |  | US Citizen |  | Yes | $5366.01 |
| 410372 | XXXXXXXXX | XXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $4324.65 | XXX | 8.66% | Self-Employed |  | US Citizen |  |  |  | Yes | $38845.80 |
| 294264 | XXXXXXXXX | XXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 559970 | XXXXXXXXX | XXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 608675 | XXXXXXXXX | XXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 979757 | XXXXXXX | XXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required | Not Required | US Citizen |  | US Citizen |  | No |  |
| 823351 | XXXXXXXXX | XXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Employed |  | US Citizen |  |  |  | No |  |
| 646276 | XXXXXXXXX | XXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Employed |  | US Citizen |  |  |  | Yes | $6084.49 |
| 927114 | XXXXXXXXX | XXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $6598.13 | XXX | 7.378% | Self-Employed |  | US Citizen |  |  |  | Yes | $7404.70 |
| 365128 | XXXXXXXXX | XXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required | Not Required | US Citizen |  | US Citizen |  | No |  |
| 679745 | XXXXXXXXX | XXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 409442 | XXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Self-Employed |  | Non Permanent Resident Alien | ITIN Card |  |  | Yes | $20125.19 |
| 672749 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | Foreign National |  |  |  | No |  |
| 203946 | XXXXXXXXX | XXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | Foreign National |  |  |  | No |  |
| 250306 | XXXXXXXXX | XXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 905758 | XXXXXXXXXX | XXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $0.00 | XXX | 7.06% | Self-Employed |  | US Citizen |  |  |  | Yes | $2758.02 |
| 464258 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required | Not Required | Foreign National |  | Foreign National |  | No |  |
| 895236 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | Foreign National |  |  |  | No |  |
| 437806 | XXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 432126 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  | XXX | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 360998 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required | Not Required | Foreign National |  | Foreign National |  | No |  |
| 164540 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 213332 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 150835 | XXXXXXXXXX | XXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $16875.00 | XXX | 7.164% | Employed | Employed | US Citizen |  | Non Permanent Resident Alien | ITIN IRS Letter | Yes | $2954.48 |
| 639390 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  | XXX | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 983360 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Employed | Employed | US Citizen |  | US Citizen |  | No |  |
| 226567 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | Foreign National |  |  |  | No |  |
| 831235 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 918483 | XXXXXXXXXXXX | XXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | Permanent Resident Alien |  |  |  | No |  |
| 244277 | XXXXXXXXX | XXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required | Not Required | Foreign National |  | Foreign National |  | No |  |
| 881348 | XXXXXXXXX | XXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required | Not Required | Foreign National |  | Foreign National |  | No |  |
| 896223 | XXXXXXXXX | XXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required | Not Required | Foreign National |  | Foreign National |  | No |  |
| 318902 | XXXXXXXXX | XXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | Foreign National |  |  |  | No |  |
| 780847 | XXXXXXXXX | XXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | Foreign National |  |  |  | No |  |
| 280539 | XXXXXXXXX | XXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required | Not Required | Foreign National |  | Foreign National |  | No |  |
| 874914 | XXXXXXXXX | XXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | Foreign National |  |  |  | No |  |
| 112172 | XXXXXXXXX | XXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required | Not Required | Foreign National |  | Foreign National |  | No |  |
| 754474 | XXXXXXXXX | XXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | Foreign National |  |  |  | No |  |
| 135160 | XXXXXXXXX | XXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required | Not Required | Foreign National |  | Foreign National |  | No |  |
| 764247 | XXXXXXXXX | XXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required | Not Required | Foreign National |  | Foreign National |  | No |  |
| 977320 | XXXXXXXXX | XXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | Foreign National |  |  |  | No |  |
| 162666 | XXXXXXXXX | XXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  | XXX | 0.00% | Not Required | Not Required | Foreign National |  | Foreign National |  | No |  |
| 139334 | XXXXXXXXX | XXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | Foreign National |  |  |  | No |  |
| 553332 | XXXXXXXXX | XXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required | Not Required | Foreign National |  | Foreign National |  | No |  |
| 438154 | XXXXXXXXX | XXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | Non Permanent Resident Alien | ITIN IRS Letter |  |  | No |  |
| 651399 | XXXXXXXXX | XXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 849939 | XXXXXXXXX | XXXXXXXXXXXXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXXXXXXXX | No | No | $0.00 | XXX | 8.457% | Self-Employed |  | US Citizen |  |  |  | Yes | $10068.82 |
| 221735 | XXXXXXXXX | XXXXXXXXXXXXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXXXXXXXX | No | No | $0.00 | XXX | 7.548% | Employed |  | US Citizen |  |  |  | Yes | $10648.08 |
| 963242 | XXXXXXXXX | XXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 745099 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required | Not Required | US Citizen |  | US Citizen |  | No |  |
| 966112 | XXXXXXXXX | XXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $0.00 | XXX | 7.401% | Self-Employed |  | US Citizen |  |  |  | Yes | $6068.87 |
| 449713 | XXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 486205 | XXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 568147 | XXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 130051 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 482049 | XXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Self-Employed | Not Required | US Citizen |  | US Citizen |  | Yes | $481380.98 |
| 918164 | XXXXXXXXX | XXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $0.00 | XXX | 6.753% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 591406 | XXXXX | XXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $34567.29 | XXX | 9.355% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 512502 | XXXXX | XXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 758460 | XXXXX | XXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $18117.50 | XXX | 10.262% | Self-Employed |  | US Citizen |  |  |  | Yes | $38993.88 |
| 903993 | XXXXX | XXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 232676 | XXXXXXX | XXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 626306 | XXXXXXXXX | XXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 337557 | XXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 109349 | XXXXXXXXX | XXXXXXXXXXXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXXXXXXXX | No | No | $8085.00 | XXX | 7.819% | Not Required | Not Required | US Citizen |  | US Citizen |  | No |  |
| 965853 | XXXXXXXXX | XXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required | Not Required | US Citizen |  | US Citizen |  | No |  |
| 881028 | XXXXXXXXX | XXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required | Not Required | US Citizen |  | US Citizen |  | No |  |
| 813548 | XXXXXXXXX | XXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 910133 | XXXXXXXXX | XXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required | Not Required | US Citizen |  | US Citizen |  | No |  |
| 986738 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 230322 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required | Not Required | US Citizen |  | US Citizen |  | No |  |
| 797835 | XXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |

---

## Exhibit 99.4

![](evolve_logo.jpg)

**Business Purpose Data**

**Run Date - 12/30/2025 10:06:07 AM**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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** | **Default Rate** | **EIN Number** |
| 317430 | XXXXXXXXXX | XXXXXXXXXX |  | XXXXXXX | Acra Lending Seller Guide | DSCR- Investor NOO | XXX | Debt Service Coverage | Yes | No | $0.00 | $3200.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 3200 | 1.25 | 1.25 | $2562.79 |  |  |  | Yes | $39000.00 |  | YES | XXX | $708.33 | $116.67 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 11 | 6.9 | US Citizen | US Citizen | 791 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XX |  | US Citizen | Stated, Verified | 791 | 753 | 801 | XXX | XX |  | US Citizen | Stated, Verified | 781 | 795 | 767 | Not Required | Not Required | XXXXXXXX | XXXXXXXX | XXXXXXXXXX | XX | XXXX | XXXX | XX | XX | C3 | XXXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  | Limited Liability Corp | XXXXXXXXX | FALSE |  | XXXXXXXXX |
| 753956 | XXXXXXXXXX | XXXXXXXXXX |  | XXXXXXX | Acra Lending Seller Guide | DSCR- Investor NOO | XXX | Debt Service Coverage | Yes | No | $0.00 | $3800.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 3800 | 1.03 | 1.03 | $3680.91 |  |  |  | Yes | $52000.00 |  | NO | XXX | $1166.93 | $185.42 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 2 | 20 | US Citizen |  | 772 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXX | Primary | Primary | XXXXXXXXXXXXXXXX | XX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXXXX | XXXXXXXX | XXXXXXXXXX | XX | XXXX | XXXX | XX | XX | C3 | XXXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  | Individual(s) |  | FALSE |  |  |
| 931778 | XXXXXXXXXXXX | XXXXXXXXXXXX |  | XXXXXXX | Acra Lending Seller Guide | DSCR- Investor NOO | XXX | Debt Service Coverage | Yes | Yes | $1950.00 | $2150.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 1950 | 1.45 | 1.45 | $1345.41 | 20260831 | 12 | No | Yes | $15300.00 |  | NO | XXX | $159.79 | $117.92 | Stated, Verified | NO | 1 | 4 |  | No | No | Experienced | 56 | 5.3 | US Citizen |  | 708 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXXX | XXXX |  | US Citizen | Stated, Verified | 708 | 723 | 677 |  |  |  |  |  |  |  |  | Not Required |  | XXXXXXXX |  | XXXXXXXXXX | XX | XXXX | XXXX | XX | XX | C3 | XXXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  | Limited Liability Corp | XXXXXXXXX | FALSE |  | XXXXXXXXX |
| 858287 | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | XXXXXXX | Acra Lending Seller Guide | Full Doc | XXX | Full | Yes | Yes | $1977.00 | $2300.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 | 46.652 |  | 0 |  |  | $2070.03 | 20260531 | 12 | No | Yes | $12200.00 |  | YES | XXX | $529.51 | $41.83 | Stated, Verified | NO | 1 | 1 |  | No | No | Experienced | 3 | 2.9 | US Citizen |  | 745 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXX | Primary | Primary | XXX | XXXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | XXXXXXXX |  | XXXXXXXXXX | XX | XXXX | XXXX | XX | XX | C3 | XXXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  | Individual(s) |  | FALSE |  |  |
| 496946 | XXXXXXX | XXXXXXX |  | XXXXXXX | Acra Lending Seller Guide | DSCR- Investor NOO | XXX | Debt Service Coverage | Yes | Yes | $3050.00 | $3050.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 3050 | 1 | 1 | $3044.12 | 20251218 | 12 | No | Yes | $30000.00 |  | YES | XXX | $567.74 | $317.88 | Stated, Verified | NO | 1 | 4 |  | No | No | Experienced | 7 | 3.9 | Non Permanent Resident Alien |  | 707 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXX | Primary | Primary | XXXXX | XXXXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXXXX |  | XXXXXXXXXX | XX | XXXX | XXXX | XX | XX | C3 | XXXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  | Individual(s) |  | FALSE |  |  |
| 547136 | XXXXXXX | XXXXXXX |  | XXXXXXX | Acra Lending Seller Guide | DSCR- Investor NOO | XXX | Debt Service Coverage | Yes | No | $0.00 | $1200.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1200 | 1.02 | 1.02 | $1176.61 |  |  |  | Yes | $19400.00 |  | NO | XXX | $68.36 | $175.84 | Stated, Verified | NO | 1 | 2 |  | No | No | Inexperienced | 23 | 20 | US Citizen | US Citizen | 778 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXXX | Primary | Primary | XXXXXXX | XXXXXXXXX | Co-Borrower | Co-Borrower | XXXXXX | XXXXXXXXX | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required | Not Required | XXXXXXXX | XXXXXXXX | XXXXXXXXXX | XX | XXXX | XXXX | XX | XX | C3 | XXXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  | Individual(s) |  | FALSE |  |  |
| 294264 | XXXXXXX | XXXXXXX |  | XXXXXXX | Acra Lending Seller Guide | DSCR- Investor NOO | XXX | Debt Service Coverage | Yes | No | $0.00 | $1500.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1500 | 0.85 | 0.85 | $1759.18 |  |  |  | Yes | $0.00 | Yes | NO | XXX | $205.02 | $78.45 | Stated, Verified | NO | 1 | 2 |  | No | No | Inexperienced | 8 | 5.8 | US Citizen |  | 773 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXX | Primary | Primary | XXXX | XXXXXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXXXX | XXXXXXXX | XXXXXXXXXX | XX | XXXX | XXXX | XX | XX | C4 | XXXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  | Individual(s) |  | FALSE |  |  |
| 559970 | XXXXXXX | XXXXXXX |  | XXXXXXX | Acra Lending Seller Guide | DSCR- Investor NOO | XXX | Debt Service Coverage | Yes | No | $0.00 | $1180.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1180 | 1.46 | 1.46 | $808.51 |  |  |  | Yes | $0.00 | Yes | NO | XXX | $74.80 | $91.83 | Stated, Verified | NO | 1 | 4 |  | No | No | Experienced | 78 | 5.5 | US Citizen |  | 741 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXX | Primary | Primary | XXXXX | XXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXXXX | XXXXXXXX | XXXXXXXXXX | XX | XXXX | XXXX | XX | XX | C4 | XXXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  | Individual(s) |  | FALSE |  |  |
| 608675 | XXXXXXX | XXXXXXX |  | XXXXXXX | Acra Lending Seller Guide | DSCR- Investor NOO | XXX | Debt Service Coverage | Yes | No | $0.00 | $2200.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2200 | 1.14 | 1.14 | $1935.81 |  |  |  | Yes | $14200.00 |  | YES | XXX | $346.40 | $201.92 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 12 | 10 | US Citizen |  | 734 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXX | Primary | Primary | XXXXX | XXXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXXXX | XXXXXXXX | XXXXXXXXXX | XX | XXXX | XXXX | XX | XX | C3 | XXXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  | Individual(s) |  | FALSE |  |  |
| 979757 | XXXXXXX | XXXXXXX |  | XXXXXXX | Acra Lending Seller Guide | DSCR- Investor NOO | XXX | Debt Service Coverage | Yes | No | $0.00 | $2300.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2300 | 1 | 1 | $2299.66 |  |  |  | Yes | $40206.00 |  | NO | XXX | $361.55 | $106.00 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 6 | 6 | US Citizen | US Citizen | 771 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXX | Primary | Primary | XXXX | XXXXXXXX | Co-Borrower | Co-Borrower | XXXXXXX | XXXXXXXXX | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required | Not Required | XXXXXXXX | XXXXXXXX | XXXXXXXXXX | XX | XXXX | XXXX | XX | XX | C4 | XXXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  | Individual(s) |  | FALSE |  |  |
| 823351 | XXXXXXXXX | XXXXXXXXX |  | XXXXXXX | Acra Lending Seller Guide | DSCR- Investor NOO | XXX | Debt Service Coverage | Yes | No | $0.00 | $2000.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2000 | 0.86 | 0.86 | $2332.45 |  |  |  | Yes | $0.00 | Yes | NO | XXX | $417.88 | $225.22 | Stated, Verified | NO | 1 | 20 |  | No | No | Experienced | 446 | 4.2 | US Citizen |  | 677 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXX | Primary | Primary | XXXXX | XXXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | XXXXXXXX | XXXXXXXX | XXXXXXXXXX | XX | XXXX | XXXX | XX | XX | C3 | XXXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  | Individual(s) |  | FALSE |  |  |
| 646276 | XXXXXXXXX | XXXXXXXXX |  | XXXXXXX | Acra Lending Seller Guide | Full Doc | XXX | Full | Yes | No | $0.00 | $1400.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 | 40.005 |  | 0 |  |  | $1160.18 |  |  |  | Yes | $0.00 | Yes | NO | XXX | $190.84 | $79.75 | Stated, Verified | NO | 1 | 2 |  | No | No | Inexperienced | 62 | 5.5 | US Citizen |  | 776 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXX | Primary | Primary | XXXXXXX | XXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | XXXXXXXX | XXXXXXXX | XXXXXXXXXX | XX | XXXX | XXXX | XX | XX | C3 | XXXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  | Individual(s) |  | FALSE |  |  |
| 365128 | XXXXXXXXX | XXXXXXXXX |  | XXXXXXX | Acra Lending Seller Guide | DSCR- Investor NOO | XXX | Debt Service Coverage | Yes | No | $0.00 | $13000.00 |  | 1025 | No |  | 0 |  |  | 13000 | 1.25 | 1.25 | $10426.47 |  |  |  | Yes | $293100.00 |  | NO | XXX | $1378.79 | $377.42 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 86 | 2.1 | US Citizen | US Citizen | 779 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXXXX | XXXXXXX |  | US Citizen | Stated, Verified | 773 | 786 | 779 | XXXXXXX | XXXX |  | US Citizen | Stated, Verified | 757 | 735 | 753 | Not Required | Not Required | XXXXXXXX | XXXXXXXX | XXXXXXXXXX | XX | XXXX | XXXX | XX | XX | C3 | XXXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  | Limited Liability Corp | XXXXXXXXX | FALSE |  | XXXXXXXXX |
| 679745 | XXXXXXXXX | XXXXXXXXX |  | XXXXXXX | Acra Lending Seller Guide | DSCR- Investor NOO | XXX | Debt Service Coverage | Yes | Yes | $3800.00 | $3000.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 3000 | 1.01 | 1.01 | $2960.21 | 20251231 | 12 | No | Yes | $18000.00 |  | YES | XXX | $552.54 | $242.55 | Stated, Verified | NO | 2 | 2 |  | No | No | Experienced | 38 | 2.9 | US Citizen |  | 730 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXX | Primary | Primary | XXXXXXXX | XXXXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXXXX |  | XXXXXXXXXX | XX | XXXX | XXXX | XX | XX | C3 | XXXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  | Individual(s) |  | FALSE |  |  |
| 409442 | XXXXXXXXXX | XXXXXXXXXX |  | XXXXXXX | Acra Lending Seller Guide | Bank Statement - 12 months | XXX | Bank Statement | Yes | No | $0.00 | $4000.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 | 30.782 |  | 0 |  |  | $5131.81 |  |  |  | Yes | $0.00 | Yes | NO | XXX | $721.15 | $165.92 | Stated, Verified | NO | 1 | 2 |  | No | No | Inexperienced | 0 | 1 | Non Permanent Resident Alien |  | 674 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXXXXX | Primary | Primary | XXXX | XXXXXXXXXXXXXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | XXXXXXXX | XXXXXXXX | XXXXXXXXXX | XX | XXXX | XXXX | XX | XX | C3 | XXXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  | Individual(s) |  | FALSE |  |  |
| 672749 | XXXXXXXXXX | XXXXXXXXXX |  | XXXXXXX | Acra Lending Seller Guide | DSCR- Foreign National | XXX | Debt Service Coverage | Yes | No | $0.00 | $4600.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 4600 | 1.24 | 1.24 | $3709.78 |  |  |  | Yes | $70000.00 |  | YES | XXX | $1782.72 | $106.80 | Stated, Verified | NO | 1 | 1 |  | Yes | No | Inexperienced | 14 | 11 | Non Permanent Resident Alien |  |  | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXX | Primary | Primary | XXXXXXX | XXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXXXX | XXXXXXXX | XXXXXXXXXX | XX | XXXX | XXXX | XX | XX | C1 | XXXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  | Individual(s) |  | FALSE |  |  |
| 203946 | XXXXXXXXX | XXXXXXXXX |  | XXXXXXX | Acra Lending Seller Guide | DSCR- Foreign National | XXX | Debt Service Coverage | Yes | Yes | $1550.00 | $1385.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1385 | 1.66 | 1.66 | $836.04 | 20251217 | 12 | No | Yes | $10500.00 |  | NO | XXX | $95.22 | $57.00 | Stated, Verified | NO | 1 | 3 |  | Yes | No | Experienced | 110 | 12 | Non Permanent Resident Alien |  |  | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXX | XXXXXX |  | Non Permanent Resident Alien | Stated, Verified |  |  |  |  |  |  |  |  |  |  |  | Not Required |  | XXXXXXXX |  | XXXXXXXXXX | XX | XXXX | XXXX | XX | XX | C3 | XXXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  | Limited Liability Corp | XXXXXXXXX | TRUE | 18 | XXXXXXXXX |
| 250306 | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | XXXXXXX | Acra Lending Seller Guide | DSCR- Investor NOO | XXX | Debt Service Coverage | Yes | Yes | $1300.00 | $1600.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 1300 | 1.09 | 1.09 | $1191.12 | 20260131 | 12 | No | Yes | $8000.00 |  | NO | XXX | $145.67 | $216.64 | Stated, Verified | NO | 1 | 5 |  | No | No | Experienced | 92 | 13 | US Citizen |  | 789 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXX | Primary | Primary | XXXXXX | XXXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXXXX |  | XXXXXXXXXX | XX | XXXX | XXXX | XX | XX | C3 | XXXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  | Individual(s) |  | FALSE |  |  |
| 464258 | XXXXXXXXXX | XXXXXXXXXX |  | XXXXXXX | Acra Lending Seller Guide | DSCR- Foreign National | XXX | Debt Service Coverage | Yes | No | $0.00 | $2600.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2600 | 1.15 | 1.15 | $2255.86 |  |  |  | Yes | $26200.00 |  | YES | XXX | $452.53 | $85.33 | Stated, Verified | NO | 1 | 3 |  | Yes | Yes | Experienced | 32 | 2.2 | Non Permanent Resident Alien | Non Permanent Resident Alien | 700 | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXX | XXXXXX |  | Non Permanent Resident Alien | Stated, Verified |  |  |  | XXXXX | XXXXXXXXXXXXXXXXXX |  | Non Permanent Resident Alien | Stated, Verified |  |  |  | Not Required | Not Required | XXXXXXXX | XXXXXXXX | XXXXXXXXXX | XX | XXXX | XXXX | XX | XX | C1 | XXXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  | Limited Liability Corp | XXXXXXXXX | FALSE |  | XXXXXXXXX |
| 895236 | XXXXXXXXXX | XXXXXXXXXX |  | XXXXXXX | Acra Lending Seller Guide | DSCR- Foreign National | XXX | Debt Service Coverage | Yes | No | $0.00 | $1725.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1725 | 1.21 | 1.21 | $1420.26 |  |  |  | Yes | $26500.00 |  | NO | XXX | $317.89 | $104.50 | Stated, "Partially" Verified | NO | 1 | 1 |  | Yes | No | Inexperienced | 56 | 2 | Non Permanent Resident Alien |  | 700 | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXXX | XXXXXX |  | Non Permanent Resident Alien | Stated, "Partially" Verified |  |  |  |  |  |  |  |  |  |  |  | Not Required |  | XXXXXXXX | XXXXXXXX | XXXXXXXXXX | XX | XXXX | XXXX | XX | XX | C2 | XXXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  | Limited Liability Corp | XXXXXXXXX | FALSE |  | XXXXXXXXX |
| 437806 | XXXXXXXXXX | XXXXXXXXXX |  | XXXXXXX | Acra Lending Seller Guide | DSCR- Investor NOO | XXX | Debt Service Coverage | Yes | Yes | $21000.00 | $20000.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 20000 | 0.9 | 0.9 | $22178.18 | 20250831 | 12 | No | Yes | $251940.00 |  | YES | XXX | $4374.94 | $1470.26 | Stated, Verified | NO | 1 | 1 |  | No | No | Experienced | 22 | 3 | US Citizen |  | 708 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXX | XXXXXX |  | US Citizen | Stated, Verified | 732 | 699 | 708 |  |  |  |  |  |  |  |  | Not Required |  | XXXXXXXX |  | XXXXXXXXXX | XX | XXXX | XXXX | XX | XX | C3 | XXXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  | Limited Liability Corp | XXXXXXXXX | FALSE |  | XXXXXXXXX |
| 432126 | XXXXXXXXXX | XXXXXXXXXX |  | XXXXXXX | Acra Lending Seller Guide | DSCR- Investor NOO | XXX | Debt Service Coverage | Yes | No | $0.00 | $2100.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2100 | 0.63 | 0.63 | $3350.99 |  |  |  | Yes | $0.00 | Yes | NO | XXX | $102.92 | $105.50 | Stated, Verified | NO | 1 | 6 |  | No | No | Experienced | 5 | 7.6 | US Citizen |  | 763 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXX | Primary | Primary | XXXXXX | XXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXXXX | XXXXXXXX | XXXXXXXXXX | XX | XXXX | XXXX | XX | XX | C3 | XXXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  | Individual(s) |  | FALSE |  |  |
| 360998 | XXXXXXXXXX | XXXXXXXXXX |  | XXXXXXX | Acra Lending Seller Guide | DSCR- Foreign National | XXX | Debt Service Coverage | Yes | No | $0.00 | $3350.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 3350 | 0.93 | 0.93 | $3589.99 |  |  |  | Yes | $51400.00 |  | YES | XXX | $707.44 | $138.79 | Stated, Verified | NO | 1 | 3 |  | Yes | Yes | Experienced | 12 | 10 | Non Permanent Resident Alien | Non Permanent Resident Alien | 700 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXXXXXXXX | Primary | Primary | XXXXXX | XXXXXX | Co-Borrower | Co-Borrower | XXXXX | XXXXXXXXXXXXXXX | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required | Not Required | XXXXXXXX | XXXXXXXX | XXXXXXXXXX | XX | XXXX | XXXX | XX | XX | C1 | XXXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  | Individual(s) |  | FALSE |  |  |
| 164540 | XXXXXXXXXX | XXXXXXXXXX |  | XXXXXXX | Acra Lending Seller Guide | DSCR- Investor NOO | XXX | Debt Service Coverage | Yes | Yes | $1600.00 | $1450.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1450 | 1.41 | 1.41 | $1030.80 | 20260509 | 12 |  | Yes | $12000.00 |  | NO | XXX | $111.17 | $111.17 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 107 | 5 | US Citizen |  | 767 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXXXX | XXXXXXXX |  | US Citizen | Stated, Verified | 766 | 767 | 776 |  |  |  |  |  |  |  |  | Not Required |  | XXXXXXXX |  | XXXXXXXXXX | XX | XXXX | XXXX | XX | XX | C3 | XXXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  | Limited Liability Corp | XXXXXXXXX | FALSE |  | XXXXXXXXX |
| 213332 | XXXXXXXXXX | XXXXXXXXXX |  | XXXXXXX | Acra Lending Seller Guide | DSCR- Investor NOO | XXX | Debt Service Coverage | Yes | Yes | $5500.00 | $5500.00 |  | Leases | No |  | 0 |  |  | 5500 | 1.24 | 1.24 | $4437.31 | 20260701 | 36 |  | Yes | $277500.00 |  | NO | XXX | $685.53 | $371.08 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 21 | 17 | US Citizen |  | 644 | 0 | 0 |  |  | 1 | 0 | 0 | 1 | 0 | 0 |  | XXXXXXXXXXXXXXXXX | Primary | Primary | XXXXXXX | XXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXXXX |  | XXXXXXXXXX | XX | XXXX | XXXX | XX | XX | C3 | XXXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  | Individual(s) |  | FALSE |  |  |
| 639390 | XXXXXXXXXX | XXXXXXXXXX |  | XXXXXXX | Acra Lending Seller Guide | Bank Statement - 24 months | XXX | Bank Statement | Yes | No | $0.00 | $3500.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 | 27.877 |  | 0 |  |  | $5234.31 |  |  |  | Yes | $50000.00 |  | YES | XXX | $623.77 | $58.63 | Stated, Verified | NO | 1 | 4 |  | No | No | Experienced | 18 | 1 | US Citizen |  | 723 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | XXXXXXXX | XXXXXXXX | XXXXXXXXXX | XX | XXXX | XXXX | XX | XX | C3 | XXXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  | Trust |  | FALSE |  |  |
| 983360 | XXXXXXXXXX | XXXXXXXXXX |  | XXXXXXX | Acra Lending Seller Guide | Full Doc | XXX | Debt Service Coverage | Yes | No | $0.00 | $2100.00 | FNMA 1007/216 | FNMA 1007/216 | No | 1007/216 | 2664 |  |  | 2100 | 1 | 1 | $2097.20 |  |  |  | Yes | $25000.00 |  | YES | XXX | $174.36 | $107.08 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 7 | 2.2 | US Citizen | US Citizen | 788 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXXX | Primary | Primary | XXXXXXXX | XXXXXXXXX | Co-Borrower | Co-Borrower | XXXXX | XXXXXXXXXX | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed | Employed | XXXXXXXX |  | XXXXXXXXXX | XX | XXXX | XXXX | XX | XX | C3 | XXXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  | Individual(s) |  | FALSE |  |  |
| 226567 | XXXXXXXXXX | XXXXXXXXXX |  | XXXXXXX | Acra Lending Seller Guide | DSCR- Foreign National | XXX | Debt Service Coverage | Yes | Yes | $3320.00 | $3000.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 3320 | 1.01 | 1.01 | $3286.26 | 20260710 | 12 | No | Yes | $35600.00 |  | YES | XXX | $672.78 | $132.83 | Stated, Verified | NO | 1 | 1 |  | Yes | No | Experienced | 65 | 5 | Non Permanent Resident Alien |  |  | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXXXX |  | XXXXXXXXXX | XX | XXXX | XXXX | XX | XX | C3 | XXXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  | Individual(s) |  | FALSE |  |  |
| 831235 | XXXXXXXXXX | XXXXXXXXXX |  | XXXXXXX | Acra Lending Seller Guide | DSCR- Investor NOO | XXX | Debt Service Coverage | Yes | Yes | $1200.00 | $1540.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 1200 | 1 | 1 | $1197.66 | 20250709 | 12 |  | Yes | $48600.00 |  | NO | XXX | $66.60 | $145.17 | Stated, Verified | NO | 1 | 5 |  | No | No | Experienced | 114 | 8 | US Citizen |  | 724 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXXXX | XXXXX |  | US Citizen | Stated, Verified | 734 | 724 | 722 |  |  |  |  |  |  |  |  | Not Required |  | XXXXXXXX |  | XXXXXXXXXX | XX | XXXX | XXXX | XX | XX | C3 | XXXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  | Limited Liability Corp | XXXXXXXXX | FALSE |  | XXXXXXXXX |
| 918483 | XXXXXXXXXXXX | XXXXXXXXXXXX |  | XXXXXXX | Acra Lending Seller Guide | DSCR- Investor NOO | XXX | Debt Service Coverage | Yes | No | $0.00 | $1790.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1790 | 1.39 | 1.39 | $1284.42 |  |  |  | Yes | $85000.00 |  | NO | XXX | $269.84 | $144.50 | Stated, Verified | NO | 1 | 3 |  | No | No | Inexperienced | 193 | 10 | Permanent Resident Alien |  | 720 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXX | Primary | Primary | XXXXXXX | XXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXXXX | XXXXXXXX | XXXXXXXXXX | XX | XXXX | XXXX | XX | XX | C4 | XXXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  | Individual(s) |  | FALSE |  |  |
| 244277 | XXXXXXX | XXXXXXX |  | XXXXXXX | Acra Lending Seller Guide | DSCR- Foreign National | XXX | Debt Service Coverage | Yes | Yes | $1450.00 | $1300.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1300 | 1 | 1 | $1295.33 | 20260725 | 12 | No | Yes | $8700.00 |  | NO | XXX | $342.05 | $73.08 | Stated, Verified | NO | 1 | 1 |  | Yes | Yes | Experienced | 16 | 7.9 | Non Permanent Resident Alien | Non Permanent Resident Alien |  | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXX | XXXXXXXXXXXXXXX |  | Non Permanent Resident Alien | Stated, Verified |  |  |  | XXXX | XXXXXXXXX |  | Non Permanent Resident Alien | Stated, Verified |  |  |  | Not Required | Not Required | XXXXXXXX |  | XXXXXXXXXX | XX | XXXX | XXXX | XX | XX | C3 | XXXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  | Limited Liability Corp | XXXXXXXXX | FALSE |  | XXXXXXXXX |
| 881348 | XXXXXXX | XXXXXXX |  | XXXXXXX | Acra Lending Seller Guide | DSCR- Foreign National | XXX | Debt Service Coverage | Yes | Yes | $1650.00 | $1750.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 1650 | 1.08 | 1.08 | $1522.24 | 20270820 | 30 | No | Yes | $66400.00 |  | NO | XXX | $311.66 | $106.17 | Stated, Verified | NO | 1 | 1 |  | Yes | Yes | Inexperienced | 95 | 1.9 | Non Permanent Resident Alien | Non Permanent Resident Alien |  | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXXX | XXXXXX |  | Non Permanent Resident Alien | Stated, Verified |  |  |  | XXX | XXXX |  | Non Permanent Resident Alien | Stated, Verified |  |  |  | Not Required | Not Required | XXXXXXXX |  | XXXXXXXXXX | XX | XXXX | XXXX | XX | XX | C3 | XXXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  | Limited Liability Corp | XXXXXXXXX | FALSE |  | XXXXXXXXX |
| 896223 | XXXXXXX | XXXXXXX |  | XXXXXXX | Acra Lending Seller Guide | DSCR- Foreign National | XXX | Debt Service Coverage | Yes | Yes | $1600.00 | $1700.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1700 | 1.34 | 1.34 | $1268.32 | 20270531 | 24 | No | Yes | $0.00 | Yes | NO | XXX | $97.51 | $83.00 | Stated, Verified | NO | 1 | 2 |  | Yes | Yes | Inexperienced | 15 | 4.7 | Non Permanent Resident Alien |  |  | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXX | XXXX |  | Non Permanent Resident Alien | Stated, Verified |  |  |  | XXXXX | XXXXXX |  |  | Stated, Verified |  |  |  | Not Required | Not Required | XXXXXXXX |  | XXXXXXXXXX | XX | XXXX | XXXX | XX | XX | C3 | XXXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  | Limited Liability Corp | XXXXXXXXX | TRUE | 18 | XXXXXXXXX |
| 318902 | XXXXXXX | XXXXXXX |  | XXXXXXX | Acra Lending Seller Guide | AC30YrFx Citadel Non Conforming 30 | XXX | Debt Service Coverage | Yes | Yes | $2000.00 | $2150.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 2150 | 1.11 | 1.11 | $1932.25 | 20260630 | 12 | No | Yes | $23500.00 |  | YES | XXX | $367.12 | $141.40 | Stated, Verified | NO | 1 | 1 |  | Yes | No | Experienced | 101 | 0.9 | Non Permanent Resident Alien |  |  | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXX | XXXXXX |  | Non Permanent Resident Alien | Stated, Verified |  |  |  |  |  |  |  |  |  |  |  | Not Required | Not Required | XXXXXXXX |  | XXXXXXXXXX | XX | XXXX | XXXX | XX | XX | C4 | XXXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  | Limited Liability Corp | XXXXXXXXX | TRUE | 18 | XXXXXXXXX |
| 780847 | XXXXXXX | XXXXXXX |  | XXXXXXX | Acra Lending Seller Guide | DSCR- Investor NOO | XXX | Debt Service Coverage | Yes | Yes | $2300.00 | $2200.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2200 | 1.17 | 1.17 | $1887.90 | 20260311 | 12 | No | Yes | $25500.00 |  | NO | XXX | $306.70 | $171.58 | Stated, Verified | NO | 1 | 1 |  | Yes | No | Experienced | 0 | 2 | Non Permanent Resident Alien |  |  | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXX | XXXXXXXXXXXX |  | Non Permanent Resident Alien | Stated, Verified |  |  |  |  |  |  |  |  |  |  |  | Not Required |  | XXXXXXXX |  | XXXXXXXXXX | XX | XXXX | XXXX | XX | XX | C3 | XXXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  | Limited Liability Corp | XXXXXXXXX | TRUE | 18 | XXXXXXXXX |
| 280539 | XXXXXXX | XXXXXXX |  | XXXXXXX | Acra Lending Seller Guide | DSCR- Investor NOO | XXX | Debt Service Coverage | Yes | Yes | $1300.00 | $1300.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1300 | 1.6 | 1.6 | $810.45 | 20260203 | 12 | No | Yes | $0.00 | Yes | NO | XXX | $57.45 | $92.76 | Not Stated, not Verified | NO | 1 | 1 |  | Yes | Yes | Experienced | 107 | 3 | Non Permanent Resident Alien | Non Permanent Resident Alien |  | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXXXXXX |  | Non Permanent Resident Alien | Not Stated, not Verified |  |  |  | XXXXXXXXX | XXXXX |  | Non Permanent Resident Alien | Stated, Verified |  |  |  | Not Required | Not Required | XXXXXXXX |  | XXXXXXXXXX | XX | XXXX | XXXX | XX | XX | C3 | XXXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  | Limited Liability Corp | XXXXXXXXX | TRUE | 18 | XXXXXXXXX |
| 874914 | XXXXXXX | XXXXXXX |  | XXXXXXX | Acra Lending Seller Guide | DSCR- Foreign National | XXX | Debt Service Coverage | Yes | Yes | $1400.00 | $1400.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1400 | 1.5 | 1.5 | $932.13 | 20260522 | 12 | No | Yes | $8400.00 |  | NO | XXX | $154.37 | $111.84 | Stated, Verified | NO | 1 | 1 |  | Yes | No | Experienced | 99 | 3.7 | Non Permanent Resident Alien |  |  | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXX | XXXXXXX |  | Non Permanent Resident Alien | Stated, Verified |  |  |  |  |  |  |  |  |  |  |  | Not Required |  | XXXXXXXX |  | XXXXXXXXXX | XX | XXXX | XXXX | XX | XX | C2 | XXXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  | Limited Liability Corp | XXXXXXXXX | TRUE | 18 | XXXXXXXXX |
| 112172 | XXXXXXX | XXXXXXX |  | XXXXXXX | Acra Lending Seller Guide | DSCR- Foreign National | XXX | Debt Service Coverage | Yes | Yes | $1500.00 | $1500.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1500 | 1.57 | 1.57 | $952.78 | 20260331 | 12 | No | Yes | $0.00 | Yes | NO | XXX | $160.57 | $60.92 | Stated, Verified | NO | 1 | 1 |  | Yes | Yes | Experienced | 104 | 18 | Non Permanent Resident Alien | Non Permanent Resident Alien |  | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXX | XXXXXXXXXXXXXX |  | Non Permanent Resident Alien | Stated, Verified |  |  |  | XXXXXX | XXXXXXXX |  | Non Permanent Resident Alien | Stated, Verified |  |  |  | Not Required | Not Required | XXXXXXXX |  | XXXXXXXXXX | XX | XXXX | XXXX | XX | XX | C3 | XXXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  | Limited Liability Corp | XXXXXXXXX | TRUE | 18 | XXXXXXXXX |
| 754474 | XXXXXXX | XXXXXXX |  | XXXXXXX | Acra Lending Seller Guide | DSCR- Foreign National | XXX | Debt Service Coverage | Yes | Yes | $3000.00 | $3200.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 3000 | 1 | 1 | $2991.63 | 20260831 | 24 | No | Yes | $0.00 | Yes | YES | XXX | $742.47 | $46.83 | Stated, Verified | NO | 1 | 1 |  | Yes | No | Experienced | 85 | 25 | Non Permanent Resident Alien |  |  | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXXXXXXXX | XXXXXXXX |  | Non Permanent Resident Alien | Stated, Verified |  |  |  |  |  |  |  |  |  |  |  | Not Required | Not Required | XXXXXXXX |  | XXXXXXXXXX | XX | XXXX | XXXX | XX | XX | C3 | XXXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  | Limited Liability Corp | XXXXXXXXX | FALSE |  | XXXXXXXXX |
| 135160 | XXXXXXX | XXXXXXX |  | XXXXXXX | Acra Lending Seller Guide | DSCR- Investor NOO | XXX | Debt Service Coverage | Yes | Yes | $1420.00 | $1750.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 1420 | 1.05 | 1.05 | $1358.70 | 20260228 | 12 | No | Yes | $8600.00 |  | NO | XXX | $207.51 | $60.42 | Stated, Verified | NO | 1 | 1 |  | Yes | Yes | Experienced | 42 | 7.8 | Non Permanent Resident Alien | Non Permanent Resident Alien |  | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXX | XXXXXXXXX |  | Non Permanent Resident Alien | Stated, Verified |  |  |  | XXXX | XXXXXXXXX |  | Non Permanent Resident Alien | Stated, Verified |  |  |  | Not Required | Not Required | XXXXXXXX |  | XXXXXXXXXX | XX | XXXX | XXXX | XX | XX | C3 | XXXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  | Partnership | XXXXXXXXX | TRUE | 18 | XXXXXXXXX |
| 764247 | XXXXXXX | XXXXXXX |  | XXXXXXX | Acra Lending Seller Guide | DSCR- Investor NOO | XXX | Debt Service Coverage | Yes | Yes | $1675.00 | $1855.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 1675 | 1.19 | 1.19 | $1404.31 | 20260301 | 12 | No | No |  |  | NO | XXX | $101.20 | $180.76 | Not Stated, not Verified | NO | 1 | 2 |  | Yes | Yes | Experienced | 109 | 7.2 | Non Permanent Resident Alien | Non Permanent Resident Alien |  | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXX | XXXXXX |  | Non Permanent Resident Alien | Not Stated, not Verified |  |  |  | XXXX | XXXXXX |  | Non Permanent Resident Alien | Stated, Verified |  |  |  | Not Required | Not Required | XXXXXXXX |  | XXXXXXXXXX | XX | XXXX | XXXX | XX | XX | C3 | XXXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  | Limited Liability Corp | XXXXXXXXX | TRUE | 18 | XXXXXXXXX |
| 977320 | XXXXXXX | XXXXXXX |  | XXXXXXX | Acra Lending Seller Guide | DSCR- Foreign National | XXX | Debt Service Coverage | Yes | Yes | $2000.00 | $1900.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1900 | 1.54 | 1.54 | $1235.66 | 20260501 | 12 | No | Yes | $12000.00 |  | NO | XXX | $208.77 | $149.71 | Stated, Verified | NO | 1 | 1 |  | Yes | No | Experienced | 97 | 1.1 | Non Permanent Resident Alien |  |  | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXXXXXX |  | Non Permanent Resident Alien | Stated, Verified |  |  |  |  |  |  |  |  |  |  |  | Not Required |  | XXXXXXXX |  | XXXXXXXXXX | XX | XXXX | XXXX | XX | XX | C3 | XXXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  | Limited Liability Corp | XXXXXXXXX | TRUE | 18 | XXXXXXXXX |
| 162666 | XXXXXXX | XXXXXXX |  | XXXXXXX | Acra Lending Seller Guide | DSCR- Foreign National | XXX | Debt Service Coverage | Yes | Yes | $1450.00 | $1300.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1300 | 1.61 | 1.61 | $806.62 | 20251119 | 12 | No | Yes | $0.00 | Yes | NO | XXX | $158.94 | $72.50 | Stated, Verified | NO | 1 | 1 |  | Yes | Yes | Experienced | 235 | 7 | Non Permanent Resident Alien | Non Permanent Resident Alien |  | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXXX | XXXX |  | Non Permanent Resident Alien | Stated, Verified |  |  |  | XXXXXX | XXXXXXX |  | Non Permanent Resident Alien | Stated, Verified |  |  |  | Not Required | Not Required | XXXXXXXX |  | XXXXXXXXXX | XX | XXXX | XXXX | XX | XX | C3 | XXXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  | Limited Liability Corp | XXXXXXXXX | TRUE | 18 | XXXXXXXXX |
| 139334 | XXXXXXX | XXXXXXX |  | XXXXXXX | Acra Lending Seller Guide | DSCR- Foreign National | XXX | Debt Service Coverage | Yes | Yes | $1449.00 | $1500.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 1449 | 1.4 | 1.4 | $1037.19 | 20270330 | 24 | No | Yes | $0.00 | Yes | NO | XXX | $232.14 | $80.58 | Stated, Verified | NO | 1 | 1 |  | Yes | No | Experienced | 93 | 4.1 | Non Permanent Resident Alien |  |  | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXX | XXXXXXXXXXXX |  | Non Permanent Resident Alien | Stated, Verified |  |  |  |  |  |  |  |  |  |  |  | Not Required |  | XXXXXXXX |  | XXXXXXXXXX | XX | XXXX | XXXX | XX | XX | C3 | XXXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  | Limited Liability Corp | XXXXXXXXX | TRUE | 18 | XXXXXXXXX |
| 553332 | XXXXXXX | XXXXXXX |  | XXXXXXX | Acra Lending Seller Guide | DSCR- Investor NOO | XXX | Debt Service Coverage | Yes | No | $0.00 | $2500.00 | FNMA 1007/216 | FNMA 1007/216 | No | AirBNB | 2835 |  |  | 2500 | 2.06 | 2.06 | $1211.43 |  |  |  | Yes | $0.00 | Yes | NO | XXX | $185.91 | $161.99 | Stated, Verified | NO | 1 | 1 |  | Yes | Yes | Inexperienced | 91 | 3.1 | Non Permanent Resident Alien | Non Permanent Resident Alien |  | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXXX | XXXXX |  | Non Permanent Resident Alien | Stated, Verified |  |  |  | XXXXXX | XXXXXXXXX |  | Non Permanent Resident Alien | Stated, Verified |  |  |  | Not Required | Not Required | XXXXXXXX |  | XXXXXXXXXX | XX | XXXX | XXXX | XX | XX | C3 | XXXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  | Limited Liability Corp | XXXXXXXXX | TRUE | 18 | XXXXXXXXX |
| 438154 | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | XXXXXXX | Acra Lending Seller Guide | DSCR- ITIN | XXX | Debt Service Coverage | Yes | No | $0.00 | $3500.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 3500 | 0.89 | 0.89 | $3911.70 |  |  |  | Yes | $0.00 | Yes | NO | XXX | $850.07 | $153.00 | Stated, Verified | NO |  | 5 |  | No | No | Experienced | 7 | 2.2 | Non Permanent Resident Alien |  | 763 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXXXXXX | Primary | Primary | XXXX | XXXXXXXXXXXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXXXX | XXXXXXXX | XXXXXXXXXX | XX | XXXX | XXXX | XX | XX | C3 | XXXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  | Individual(s) |  | FALSE |  |  |
| 651399 | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | XXXXXXX | Acra Lending Seller Guide | DSCR- Investor NOO | XXX | Debt Service Coverage | Yes | No | $0.00 | $1600.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1600 | 1.03 | 1.03 | $1552.74 |  |  |  | Yes | $0.00 | Yes | NO | XXX | $195.94 | $59.50 | Stated, Verified | NO | 1 | 2 |  | No | No | Inexperienced | 15 | 6.6 | US Citizen |  | 727 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXX | Primary | Primary | XXXX | XXXXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXXXX | XXXXXXXX | XXXXXXXXXX | XX | XXXX | XXXX | XX | XX | C1 | XXXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  | Individual(s) |  | FALSE |  |  |
| 963242 | XXXXXXXXX | XXXXXXXXX |  | XXXXXXX | Acra Lending Seller Guide | DSCR- Investor NOO | XXX | Debt Service Coverage | Yes | Yes | $1600.00 | $1650.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 1600 | 1.13 | 1.13 | $1418.95 | 20260103 | 12 |  | Yes | $21500.00 |  | NO | XXX | $218.84 | $160.00 | Stated, Verified | NO | 1 | 4 |  | No | No | Experienced | 13 | 20 | US Citizen |  | 729 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXX | XXXXXX |  | US Citizen | Stated, Verified | 751 | 729 | 723 |  |  |  |  |  |  |  |  | Not Required |  | XXXXXXXX |  | XXXXXXXXXX | XX | XXXX | XXXX | XX | XX | C2 | XXXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  | Limited Liability Corp | XXXXXXXXX | FALSE |  | XXXXXXXXX |
| 745099 | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | XXXXXXX | Acra Lending Seller Guide | DSCR- Investor NOO | XXX | Debt Service Coverage | Yes | No | $0.00 | $2500.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2500 | 0.77 | 0.77 | $3238.21 |  |  |  | Yes | $35000.00 |  | NO | XXX | $633.34 | $126.74 | Stated, Verified | NO | 1 | 4 |  | No | No | Experienced | 9 | 8 | US Citizen | US Citizen | 791 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXX | Primary | Primary | XXXXXX | XXXXXXXXXXXXX | Co-Borrower | Co-Borrower | XXXXXXX | XXXXXXXXXXXXXXX | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required | Not Required | XXXXXXXX | XXXXXXXX | XXXXXXXXXX | XX | XXXX | XXXX | XX | XX | C4 | XXXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  | Individual(s) |  | FALSE |  |  |
| 449713 | XXXXXXXXXX | XXXXXXXXXX |  | XXXXXXX | Acra Lending Seller Guide | AC30YrFx Citadel Non Conforming 30 | XXX | Debt Service Coverage | Yes | Yes | $1300.00 | $1300.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1300 | 1.14 | 1.14 | $1136.60 | 20260214 | 12 | No | Yes | $15000.00 |  | NO | XXX | $82.32 | $76.22 | Stated, Verified | NO | 1 | 4 |  | No | No | Experienced | 740 | 5.6 | US Citizen |  | 738 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXX | Primary | Primary | XXXXX | XXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXXXX | XXXXXXXX | XXXXXXXXXX | XX | XXXX | XXXX | XX | XX | C4 | XXXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  | Individual(s) |  | FALSE |  |  |
| 486205 | XXXXXXXXXX | XXXXXXXXXX |  | XXXXXXX | Acra Lending Seller Guide | AC30YrFx Citadel Non Conforming 30 | XXX | Debt Service Coverage | Yes | Yes | $1300.00 | $1300.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1300 | 1.05 | 1.05 | $1237.69 | 20250430 | 12 | No | Yes | $12000.00 |  | NO | XXX | $66.53 | $63.92 | Stated, Verified | NO | 1 | 4 |  | No | No | Experienced | 683 | 5.6 | US Citizen |  | 738 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXX | Primary | Primary | XXXXX | XXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXXXX | XXXXXXXX | XXXXXXXXXX | XX | XXXX | XXXX | XX | XX | C4 | XXXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  | Individual(s) |  | FALSE |  |  |
| 568147 | XXXXXXXXXX | XXXXXXXXXX |  | XXXXXXX | Acra Lending Seller Guide | AC30YrFx Citadel Non Conforming 30 | XXX | Debt Service Coverage | Yes | Yes | $1320.00 | $1320.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1320 | 1.16 | 1.16 | $1134.24 | 20260228 | 12 | No | Yes | $15840.00 |  | NO | XXX | $71.20 | $78.83 | Stated, Verified | NO | 1 | 4 |  | No | No | Experienced | 741 | 5.6 | US Citizen |  | 738 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXX | Primary | Primary | XXXXX | XXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXXXX | XXXXXXXX | XXXXXXXXXX | XX | XXXX | XXXX | XX | XX | C3 | XXXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  | Individual(s) |  | FALSE |  |  |
| 130051 | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | XXXXXXX | Acra Lending Seller Guide | DSCR- Investor NOO | XXX | Debt Service Coverage | Yes | Yes | $3400.00 | $3200.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 3200 | 0.89 | 0.89 | $3607.51 | 20260630 | 12 |  | Yes | $23100.00 |  | YES | XXX | $929.50 | $161.08 | Stated, Verified | NO | 1 | 5 |  | No | No | Experienced | 3 | 3 | US Citizen |  | 765 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXX | Primary | Primary | XXXXX | XXXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXXXX |  | XXXXXXXXXX | XX | XXXX | XXXX | XX | XX | C3 | XXXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  | Individual(s) |  | FALSE |  |  |
| 482049 | XXXXXXXXXX | XXXXXXXXXX |  | XXXXXXX | Acra Lending Seller Guide | Bank Statement - 12 months | XXX | Bank Statement | Yes | No | $0.00 | $3900.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 | 8.513 |  | 0 |  |  | $5173.12 |  |  |  | Yes | $75000.00 |  | NO | XXX | $781.25 | $196.58 | Stated, Verified | NO | 2 | 4 |  | No | No | Experienced | 395 | 0.5 | US Citizen | US Citizen | 770 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXX | XXXXXXXX |  | US Citizen | Stated, Verified | 776 | 770 | 745 | XXXX | XXXXXXXX |  | US Citizen | Stated, Verified | 780 | 789 | 797 | Employed | Not Required | XXXXXXXX | XXXXXXXX | XXXXXXXXXX | XX | XXXX | XXXX | XX | XX | C3 | XXXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  | Limited Liability Corp | XXXXXXXXX | FALSE |  | XXXXXXXXX |
| 512502 | XXXXX | XXXXX |  | XXXXXXX | Acra Lending Seller Guide | DSCR- Investor NOO | XXX | Debt Service Coverage | Yes | No | $0.00 | $1350.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1350 | 1.11 | 1.11 | $1218.22 |  |  |  | Yes | $0.00 | Yes | NO | XXX | $235.86 | $76.88 | Stated, Verified | NO | 1 | 2 |  | No | No | Inexperienced | 33 | 3.6 | US Citizen |  | 782 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXXXX | XXXXXXXX | XXXXXXXXXX | XX | XXXX | XXXX | XX | XX | C3 | XXXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  | Individual(s) |  | FALSE |  |  |
| 903993 | XXXXX | XXXXX |  | XXXXXXX | Acra Lending Seller Guide | DSCR- Investor NOO | XXX | Debt Service Coverage | Yes | No | $0.00 | $4300.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 4300 | 1.17 | 1.17 | $3669.89 |  |  |  | Yes | $59340.00 |  | NO | XXX | $759.36 | $92.25 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 25 | 12 | US Citizen |  | 756 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXX | XXXXXX |  | US Citizen | Stated, Verified | 681 | 805 | 756 |  |  |  |  |  |  |  |  | Not Required |  | XXXXXXXX | XXXXXXXX | XXXXXXXXXX | XX | XXXX | XXXX | XX | XX | C1 | XXXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  | Limited Liability Corp | XXXXXXXXX | FALSE |  | XXXXXXXXX |
| 232676 | XXXXXXX | XXXXXXX |  | XXXXXXX | Acra Lending Seller Guide | DSCR- Investor NOO | XXX | Debt Service Coverage | Yes | No | $0.00 | $2900.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2900 | 1.11 | 1.11 | $2610.87 |  |  |  | Yes | $0.00 | Yes | NO | XXX | $509.93 | $99.75 | Stated, Verified | NO | 1 | 1 |  | No | No | Experienced | 97 | 2 | US Citizen |  | 668 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXX | XXXXXXXXXX |  | US Citizen | Stated, Verified | 684 | 668 | 619 |  |  |  |  |  |  |  |  | Not Required |  | XXXXXXXX |  | XXXXXXXXXX | XX | XXXX | XXXX | XX | XX | C4 | XXXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  | Limited Liability Corp | XXXXXXXXX | FALSE |  | XXXXXXXXX |
| 626306 | XXXXXXXXXXXX | XXXXXXXXXXXX |  | XXXXXXX | Acra Lending Seller Guide | DSCR- Investor NOO | XXX | Debt Service Coverage | Yes | No | $0.00 | $7255.00 | FNMA 1007/216 | FNMA 1007/216 | No | Appraiser STR Analysis | 7255 |  |  | 7255 | 1.67 | 1.67 | $4335.12 |  |  |  | Yes | $189300.00 |  | NO | XXX | $601.52 | $356.83 | Stated, Verified | NO | 1 | 2 |  | No | No | Inexperienced | 45 | 22 | US Citizen |  | 759 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXXXXX | Primary | Primary | XXXXXX | XXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXXXX | XXXXXXXX | XXXXXXXXXX | XX | XXXX | XXXX | XX | XX | C2 | XXXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  | Individual(s) |  | FALSE |  |  |
| 337557 | XXXXXXXXXX | XXXXXXXXXX |  | XXXXXXX | Acra Lending Seller Guide | DSCR- Investor NOO | XXX | Debt Service Coverage | Yes | Yes | $1850.00 | $1900.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 1850 | 1.77 | 1.77 | $1043.90 | 20250531 | 1 | Yes | Yes | $0.00 | Yes | NO | XXX | $171.58 | $96.58 | Stated, Verified | NO | 1 | 5 |  | No | No | Experienced | 78 | 1.1 | US Citizen |  | 759 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXX | Primary | Primary | XXXX | XXXXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXXXX | XXXXXXXX | XXXXXXXXXX | XX | XXXX | XXXX | XX | XX | C4 | XXXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  | Individual(s) |  | FALSE |  |  |
| 965853 | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | XXXXXXX | Acra Lending Seller Guide | DSCR- Investor NOO | XXX | Debt Service Coverage | Yes | Yes | $1300.00 | $1600.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 1300 | 1.11 | 1.11 | $1174.29 | 20260301 | 24 | No | Yes | $0.00 | Yes | YES | XXX | $91.06 | $20.92 | Stated, Verified | NO | 1 | 4 |  | No | No | Experienced | 86 | 10 | US Citizen | US Citizen | 805 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXXXXX | XXXXXXXXXXXXX |  | US Citizen | Stated, Verified | 804 | 810 | 805 | XXXXXX | XXXXXXXXXXXXX |  | US Citizen | Stated, Verified | 738 | 723 | 739 | Not Required | Not Required | XXXXXXXX |  | XXXXXXXXXX | XX | XXXX | XXXX | XX | XX | C3 | XXXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  | Limited Liability Corp | XXXXXXXXX | FALSE |  | XXXXXXXXX |
| 881028 | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | XXXXXXX | Acra Lending Seller Guide | DSCR- Investor NOO | XXX | Debt Service Coverage | Yes | Yes | $1500.00 | $1600.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 1500 | 1.21 | 1.21 | $1235.05 | 20250301 | 12 | Yes | Yes | $0.00 | Yes | YES | XXX | $89.66 | $20.92 | Stated, Verified | NO | 1 | 4 |  | No | No | Experienced | 82 | 10 | US Citizen | US Citizen | 805 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXXXXX | XXXXXXXXXXXXX |  | US Citizen | Stated, Verified | 804 | 810 | 805 | XXXXXXX | XXXXXXXXXXXXXXX |  | US Citizen | Stated, Verified | 738 | 723 | 739 | Not Required | Not Required | XXXXXXXX |  | XXXXXXXXXX | XX | XXXX | XXXX | XX | XX | C3 | XXXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  | Limited Liability Corp | XXXXXXXXX | FALSE |  | XXXXXXXXX |
| 813548 | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | XXXXXXX | Acra Lending Seller Guide | DSCR- Investor NOO | XXX | Debt Service Coverage | Yes | Yes | $1900.00 | $2100.00 |  | Leases | No |  | 0 |  |  | 1900 | 1.75 | 1.75 | $1088.58 | 20250511 | 1 | Yes | Yes | $22800.00 |  | NO | XXX | $265.37 | $201.60 | Stated, Verified | NO | 1 | 7 |  | No | No | Experienced | 34 | 1 | US Citizen |  | 726 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXX | Primary | Primary | XXXX | XXXXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | XXXXXXXX |  | XXXXXXXXXX | XX | XXXX | XXXX | XX | XX | C4 | XXXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  | Individual(s) |  | FALSE |  |  |
| 910133 | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | XXXXXXX | Acra Lending Seller Guide | DSCR- Investor NOO | XXX | Debt Service Coverage | Yes | No | $0.00 | $2300.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2300 | 0.94 | 0.94 | $2447.59 |  |  |  | No |  |  | YES | XXX | $297.28 | $37.88 | Stated, Verified | NO | 1 | 5 |  | No | No | Experienced | 35 | 14 | US Citizen | US Citizen | 789 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXXXX | XXXXXX |  | US Citizen | Stated, Verified | 795 | 778 | 737 | XXXXX | XXXXXXX |  | US Citizen | Stated, Verified | 777 | 789 | 802 | Not Required | Not Required | XXXXXXXX | XXXXXXXX | XXXXXXXXXX | XX | XXXX | XXXX | XX | XX | C3 | XXXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  | Limited Liability Corp | XXXXXXXXX | FALSE |  | XXXXXXXXX |
| 986738 | XXXXXXXXXX | XXXXXXXXXX |  | XXXXXXX | Acra Lending Seller Guide | DSCR- Investor NOO | XXX | Debt Service Coverage | Yes | Yes | $9000.00 | $7800.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 7800 | 0.66 | 0.66 | $11754.59 | 20270705 | 24 | No | Yes | $165800.00 |  | NO | XXX | $1750.00 | $803.27 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 101 | 7.3 | US Citizen |  | 764 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXXXX |  | XXXXXXXXXX | XX | XXXX | XXXX | XX | XX | C2 | XXXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  | Trust |  | FALSE |  |  |
| 230322 | XXXXXXXXXX | XXXXXXXXXX |  | XXXXXXX | Acra Lending Seller Guide | DSCR- Investor NOO | XXX | Debt Service Coverage | Yes | No | $0.00 | $4000.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 4000 | 1.41 | 1.41 | $2827.37 |  |  |  | Yes | $0.00 | Yes | YES | XXX | $181.55 | $170.00 | Stated, Verified | NO | 1 | 5 |  | No | No | Experienced | 24 | 2 | US Citizen | US Citizen | 769 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXX | Primary | Primary | XXXXXX | XXXX | Co-Borrower | Co-Borrower | XXXXXX | XXXXX | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required | Not Required | XXXXXXXX | XXXXXXXX | XXXXXXXXXX | XX | XXXX | XXXX | XX | XX | C3 | XXXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  | Individual(s) |  | FALSE |  |  |
| 797835 | XXXXXXXXXX | XXXXXXXXXX |  | XXXXXXX | Acra Lending Seller Guide | DSCR- Investor NOO | XXX | Debt Service Coverage | Yes | No | $0.00 | $7000.00 |  | 1025 | No |  | 0 |  |  | 7000 | 1.69 | 1.69 | $4129.82 |  |  |  | Yes | $52600.00 |  | NO | XXX | $413.51 | $427.58 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 20 | 22 | US Citizen |  | 659 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXXX | XXXXXX |  | US Citizen | Stated, Verified | 662 | 629 | 659 |  |  |  |  |  |  |  |  | Not Required |  | XXXXXXXX | XXXXXXXX | XXXXXXXXXX | XX | XXXX | XXXX | XX | XX | C4 | XXXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  | Limited Liability Corp | XXXXXXXXX | FALSE |  | XXXXXXXXX |

---

## Exhibit 99.5

**Exhibit 99.5**

![](coviuslogo.jpg)

Executive Summary <br> BRAVO 2026-NQM1

&nbsp;&nbsp;&nbsp;&nbsp;(1) Type of Assets.

Covius Real Estate Services, LLC ("CRES") performed the due diligence services described below on behalf of SG Capital Partners LLC (the "Client"). The loan was originated by one Correspondent Seller and acquired directly (or indirectly) by Loan Funding Structure LLC through a Reliance Letter. The loan review was conducted in November 2023 by CRES.

&nbsp;&nbsp;&nbsp;&nbsp;(2) Number of Assets.

There is 1 asset in the loan population.

&nbsp;&nbsp;&nbsp;&nbsp;(3) Review Process.

The post-closing loan review was graded in accordance with the following NRSRO(s) Third Party Due- Diligence Criteria, in addition to the review grading of "Meets Guidelines" or "Does Not Meet Guidelines":

---

| | |
|:---|:---|
| &nbsp;&nbsp;**NRSRO** | &nbsp;&nbsp;**Title and Date of Criteria** |
| &nbsp;&nbsp;Fitch Ratings, Inc. | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● U.S. RMBS Rating Criteria dated October 01, 2025 |
| &nbsp;&nbsp;Kroll Bond Rating Agency, LLC | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● US RMBS Rating Methodology, dated December 7, 2023 |

---

The post-closing review included a re-underwrite of each borrowers' credit, an analysis of the property valuation, and regulatory compliance testing. Post-closing reviews are underwritten to the applicable lender's or client's underwriting guidelines and credit matrices. The review scope and methodology of these different review areas is discussed in subsequent sections of this document.

&nbsp;&nbsp;&nbsp;&nbsp;(4) Sample size of the assets reviewed.

The due diligence review was conducted on 100% of the loan population and consisted of 1 mortgage loan with an aggregate original principal balance of approximately $288,900. The mortgage loan originated in September 2023.

&nbsp;&nbsp;&nbsp;&nbsp;(5) Asset Review

In connection with the credit re-underwrite, CRES reviewed all origination documentation to determine conformity to the applicable underwriting guidelines and other regulatory requirements described below, including (if applicable) the Ability to Repay and Qualified Mortgage requirements. Review areas included, but are not limited to:

Page 1 of 10

**Credit Review and Methodology**

**Credit Report**: Analyzed the Borrower's credit report/credit history, confirming that credit scores, liabilities and public records met guideline requirements. Liabilities gathered from the credit report were included in the re-calculation of the debt-to-income ratio as appropriate. In addition the following data was also captured and reviewed to confirm compliance with guideline and ASF reporting requirements: (i) credit report date, (ii) bankruptcy date, (iii) bankruptcy discharge date, (iv) bankruptcy chapter, (v) foreclosure date, (vi) short sell date, (vii) longest trade line (active), (viii) longest trade line balance (active), (ix) months reviewed, (x) number of trade lines, (xi) credit scores, (xii) revolving debts and (xiii) installments debts.

**Loan Application (1003):** Reviewed the Borrower's Loan Application including comparison of initial loan application against the final loan application, or other loan applications found in the file, to identify potential discrepancies. In addition the following data was also captured and reviewed to confirm compliance with guideline and ASF reporting requirements: (i) purpose, (ii) years in primary residence, (iii) number of mortgaged properties (as compared with the credit reports disclosed mortgages), (iv) application date, (v) borrower information (name, date of birth, social security number and number of family members), (vi) borrower's address, (vii) borrower(s)' employment information (including address, years at job, years in field), (vii) monthly income and (ix) citizenship.

**Loan Approval/Exception Form (if applicable):** Reviewed the Lender's approval and Client's exception approval documentation to confirm appropriate risk mitigating factors were present when granting exceptions.

**Sales Contract (if applicable):** Reviewed the sales contract to confirm buyer(s) and seller(s), sales price and property address matches other documents.

**Title:** Reviewed the title policy or commitment to identify possible judgments or other liens that may have existed at origination. In addition, proper vesting and parties (as disclosed on sales contract, note, and deed) were reflected accurately.

**Hazard and Flood Insurance:** Reviewed hazard and flood (if applicable) insurance to ensure policy met the minimum required amount of replacement coverage.

**Employment and Income (DTI Loans):** Reviewed borrower(s)' employment and income documentation used for qualification purposes and as applicable, Appendix Q or Ability to Repay, including recalculation of debt-to-income ratio (DTI) to confirm compliance with underwriting guidelines. Items reviewed included: (i) verbal or written verifications of employment, (ii) pay stubs, (iii) W-2's, (iv) federal tax returns, (v) bank statements, (vi) profit and loss statements, and (vii) IRS tax transcripts (when provided).

**Assets:** Reviewed (i) bank statements, (ii) verification-of-deposit (VOD) and (iii) stock or security account statements to ensure adequate assets were provided verifying down payment, closing costs and reserves required by the guidelines and as applicable Appendix Q or Ability to Repay.

**Guidelines:** Confirmed compliance with applicable underwriting guidelines and determined the qualification of credit and income, assets, property type and usage, LTV/CLTV, and documentation requirements to applicable underwriting guidelines and loan program matrices. Items included, but not limited to: FICO, housing history, bankruptcy and foreclosure seasoning, occupancy, credit grade, loan amounts (minimum and maximum), maximum cash out amount, reserves, residual income, minimum trade lines and debt to income ratio requirements.

Unless otherwise stated in the Lender's or Client's guidelines, Fannie Mae guidelines prevail.

Page 2 of 10

**Property Valuation Review and Methodology**

CRES reviewed the Appraisal for completeness and conformance to industry standards, including requirements set forth in Title XI of FIRREA. The review included both data and description information provided by the appraiser. Review items included: (i) property address and borrower information matches the mortgage note and other critical origination documents, (ii) neighborhood characteristics and housing trends were acceptable and met applicable underwriting guidelines, (iii) site information for zoning compliance and possible adverse site notations reviewed for adverse conditions, FEMA Flood Zone designation matched the Flood Certification, (iv) property type and property description information met applicable underwriting guidelines, (v) comparable sales (sale dates, distance, gross and net adjustments, square footage, and value) met industry standards and were properly bracketed, (vi) comparable size, style, and location were similar to the subject address, (vii) condition of the property was average or better and notable repairs were addressed, (viii) appraisal was made on an "as is" basis or proper evidence of completion was obtained and clearly documented and addressed all "subject to" conditions noted, (ix) subject and comparable photos reviewed to ensure appraisal description information coincides with property pictures and that no visible adverse issues are present that the appraiser did not address, (x) appraisal was completed by a licensed appraiser and (xi) appraisal was completed within the required timing requirements, as disclosed in the applicable underwriting guidelines.

A Fannie Mae UCDP Submission Summary Report with a Collateral Underwriter Risk Score of 2.5 or less or a secondary enhanced desk review product, (such as an ARR from ProTeck or CDA from Clear Capital), from an approved AMC was required on all transactions. In lieu of an enhanced desk review product, a field review or second appraisal from an approved AMC is acceptable. If the Appraisal Review Product value is more than 10% below the appraised value, a second field review or appraisal was required. In certain cases, sellers may include an enhanced desk review product from an approved AMC. All desk review documentation provided by an approved AMC vendor was recorded by CRES, as an acceptable valuation support option as long as valuations were obtained in accordance with guidelines and through notable AMC vendors. Any loans that did not maintain an enhanced desk review or did not meet the Client's vendor requirements were conditioned and communicated with the Client.

If material origination valuation discrepancies could not be resolved an exception was created and the applicable NRSROs valuation grade was recorded.

**Compliance Review Methodology**

CRES reviews on consumer loans included comprehensive audit of fees and disclosed federal, state, municipal requirements along with timing of delivery requirements for TRID related Loan Estimates (LE's) and the Initial Closing Disclosure (CD's). The reviews track delivery and receipt requirements for all LE's and CD's, tracks fee changes and changed circumstances affecting fees, provides a fee tolerance comparison across all LE's and CD's.

In addition to the TRID specific items, the loans were also subject to the following Pre-TRID and Post- TRID compliance testing. Note that certain loans may be classified as "business purpose". In such cases certain compliance TILA and Regulation Z requirements were not tested, as the law's provisions do not apply to an extension of credit if primarily for business or a commercial purpose (12 C.F.R. §1026.3(a); 15 U.S.C. § 1603).

Therefore, the list of laws 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:

Page 3 of 10

State and Federal High Cost and Higher Priced:

● Cook County High-Cost Ordinance

● Chicago High-Cost Ordinance

CRES 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, CRES's audit law firm determined that only principal residences should be tested for IL high cost.

*CRES utilizes a third-party compliance company's software for certain compliance tests. The following Pre-TRID, TRID, Qualified Mortgage (QM), and High Costs related test were completed within the third-party compliance software for Consumer Loans:*

Qualified Mortgage (12 CFR § 1026.43)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(I) Negative Amortization Loan test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(II) Interest Only Loan test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(III) Balloon Payment Loan test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(IV) Loan Term test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(V) Points and Fees test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(VI) The Qualified Mortgage DTI Threshold test.

Federal High-Cost Mortgage (HOEPA - Amended) (12 CFR §1026.32)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(I) APR threshold test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(II) Points and fees threshold test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(III) Prepayment penalty threshold test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(IV) Is Not a High-Costs Mortgage.

Federal Higher-Priced Mortgage Loan (2013 Provisions) (12 CFR §1026.35)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(I) Higher-Priced Mortgage Loan test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(II) Higher-priced mortgage loan required escrow account test.

Federal TILA (12 CFR §1026.15, 18, 22, 23 and 36)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(I) TILA finance charge test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(II) TILA APR test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(III) Dual Broker Compensation test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(IV) Loan originator credits test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(V) TILA Financing of Single Premium Credit Insurance test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(VI) TILA Right of Rescission Test:

Initial Loan Estimate Timing Requirements (12 CFR §1026.19)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(I) Initial loan estimate delivery date test (from application).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(II) Initial loan estimate delivery date test (prior to consummation).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(III) Written list of service provider's disclosure date test.

Revised Loan Estimate Timing Requirements (12 CFR §1026.19)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(I) Revised loan estimate delivery date test (prior to consummation).

Revised Loan Estimate Timing & Changed Circumstances Requirements (12 CFR §1026.19)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(I) Valid or invalid changed circumstances test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(II) Revised loan estimate delivery date and changed circumstances date test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(III) Revised loan estimate lender credits test.

Initial Closing Disclosure Timing Requirements

Page 4 of 10

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(I) Initial closing disclosure delivery date test. (12 CFR §1026.19).

Initial Closing Disclosure Timing & Changed Circumstances Requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(I) Valid or invalid changed circumstances test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(II) Initial closing disclosure delivery date and changed circumstances date test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(III) Initial closing disclosure lender credits test.

Revised Closing Disclosure Timing Requirements (12 CFR §1026.19 and 22)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(I) APR Tolerance Test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(II) Revised Closing Disclosure Waiting Period Required test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(III) Revised closing disclosure delivery date test.

Revised Closing Disclosure Timing & Changed Circumstances Requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(I) Valid or invalid changed circumstances test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(II) Revised closing disclosure delivery date and changed circumstances date test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(III) Revised closing disclosure delivery date and date the rate was set test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(IV) Revised closing disclosure lender credits test.

Integrated Disclosures Tolerance & Reimbursement Provisions (12 CFR §1026.19)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(I) Charges that cannot increase test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(II) Lender credits that cannot decrease test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(III) Charges that in total cannot increase more than 10% test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(IV) Charges that can have an unlimited increase test.

Federal RESPA (12 CFR §§1024.8, 1024.20, 1026.33)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(I) Homeownership counseling organizations disclosure date test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(II) Good Faith Estimate disclosure date test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(III) RESPA "Your Credit or Charge" (802) Disallowed Credit and Charge test.

In addition to the checks disclosed above, various state license-based consumer lending and licensing laws and regulations tests were also completed using the third-party compliance software.

On applicable loans ("Covered Loans' with an Application Dates => 10/3/2015), SFIG RMBS 4.0 TRID Compliance Review Scope was used to test compliance with TILA/RESPA Integrated Disclosure rules.

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

CRES reviews all loan transactions that are covered by the Ability to Repay rule as set forth in Regulation Z- Truth in Lending Act (TILA) to determine whether the lender considered and evaluated the eight underwriting factors. The eight factors reviewed are: (i) Current or reasonably expected income or assets (other than the value of the property that secures the loan) that the consumer will rely on to repay the loan, (ii) Current employment status (if you rely on employment income when assessing the consumer's ability to repay), (iii) Projected monthly mortgage payment for this loan (calculated using the introductory or fully- indexed rate, whichever is higher, and monthly, fully-amortizing payments that are substantially equal), (iv) Projected monthly payment on any simultaneous loans secured by the same property, (v) Monthly payments for property taxes and insurance that you require the consumer to buy, and certain other costs related to the property such as homeowners association fees or ground rent, (vi) Debts, alimony, and child- support obligations, (vii) Monthly debt-to-income ratio or residual income, calculated using the total of all of the mortgage and non-mortgage obligations listed above, as a ratio of gross monthly income, and (viii) Credit history.

Page 5 of 10

*<u>Qualified Mortgage</u>*

When applicable, CRES assessed the borrower(s)' QM classification and re-assigns a due diligence reviewed QM or Non-QM type for each loan. Loans are classified into one of the following categories:

&nbsp;&nbsp;&nbsp;&nbsp;(i) QM: Safe Harbor: Loans that meet the rule's definition of a QM and are eligible for safe harbor protection under the original QM definition, (ii) QM: Safe Harbor (APOR): Loans that meet the rule's definition of a QM and are eligible for safe harbor protection under the new General QM definition (iii) QM: GSE Temporary (safe harbor) – Loans that are eligible for purchase by Fannie Mae or Freddie Mac and therefore is exempt from the Appendix Q/43% DTI provision, but otherwise meets the QM safe harbor definition, (iv) QM: Rebuttable Presumption: Loans that meet the rule's definition of a QM and are eligible for rebuttable presumption protection under the original QM definition, (v) QM: Rebuttable Presumption (APOR): Loans that meet the rule's definition of a QM and are eligible for rebuttable presumption protection under the new General QM definition, (vi) QM: GSE Temporary (rebuttable presumption) - Loans that are eligible for purchase by Fannie Mae or Freddie Mac and therefore is exempt from the Appendix Q/43% DTI provision, but otherwise meets the QM rebuttable presumption definition (vii) Non-QM: Compliant with ATR: Loans that do not meet the QM definition but fully comply with the ATR rule, (viii) Non-QM: Non-Compliant: Loans that do not meet the QM definition and do not comply with the ATR rule, and (ix) Not Covered/Exempt: Loans that are not covered by the rule.

Note that CRES determines the mortgage loan's status under the ATR or QM rule requirements and assigns a proper due diligence mortgage loan designation that is solely based on the documentation available at the time of the review.

*The table below contains the TRID eligible breakdown for the loan population:*

 

 

---

| | | |
|:---|:---|:---|
| | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Count** | &nbsp;&nbsp;&nbsp;**Percentage of Population** |
| &nbsp;&nbsp;**Investment/Business Purpose Loans** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Initial Application Date prior to October 3, 2015** | &nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**CRES Level II TRID Review** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1 | &nbsp;&nbsp;&nbsp;100.00% |

---

**Document Review**

CRES 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):

● Appraisal.

● Asset
 documentation.

● Business Purpose
 Certification (if applicable)

● Changed circumstance
 documentation.

● Credit report.

● FACTA disclosures.

● Final 1003.

● Final HUD-1/Closing
 Disclosure(s).

● Hazard
 and/or flood insurance policies.

● HUD
 from sale of previous residence.

● Homeownership
 counseling organizations disclosure.

● Income
 and employment documentation.

● Initial
 and final GFE's.

● Initial
 application (1003).

● Initial
 escrow disclosure.

Page 6 of 10

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

● Initial
 TIL.

● Leases

● Loan
 Estimate(s).

● Market
 Rent supporting documentation

● Mortgage
 Insurance.

● Mortgage/Deed
 of Trust.

● Note.

● Notice
 of Special Flood Hazards.

● Sales
 contract.

● Tangible
 Net Benefit Disclosure.

● Title/Preliminary
 Title.

● Written
 List of Service Providers.

&nbsp;&nbsp;&nbsp;&nbsp;(6) Tape Data Compare

CRES compared data fields on the data tape provided by the Client to the data points disclosed on the actual mortgage loan file documents, as captured by CRES. When data was available, the following data elements were compared:

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;Interest Rate | &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;Purpose |
| &nbsp;&nbsp;&nbsp;CLTV | &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;Original Balance | &nbsp;&nbsp;QM Type\* |
| &nbsp;&nbsp;&nbsp;Doc Level | &nbsp;&nbsp;Loan Term | &nbsp;&nbsp;P&I Payment |  |
| &nbsp;&nbsp;&nbsp;DTI | &nbsp;&nbsp;LTV | &nbsp;&nbsp;Property City |  |
| &nbsp;&nbsp;&nbsp;FICO | &nbsp;&nbsp;Note Date\* | &nbsp;&nbsp;Property State |  |
| &nbsp;&nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;Note Type | &nbsp;&nbsp;Property Zip |  |

---

The seller provided CRES with loan level data regarding the mortgage loans for the data integrity check. CRES received the data directly from the seller through a loan registrations system or via a data tape.

Of the 1 mortgage loan reviewed, one unique mortgage loan had at least one tape discrepancy across 20 data fields (one mortgage loan had more than one data discrepancy). The following table discloses the number of data discrepancies noted by field name. Note, tape data was not provided on certain field compare values. The fields in which tape data was not available is noted below; however, a data discrepancy was not counted if the seller failed to provide a compare value.

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Field Compare** | &nbsp;&nbsp;**Discrepancy: No** | &nbsp;&nbsp;**Discrepancy: Yes** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;&nbsp;**Appraised Value** | &nbsp;&nbsp;1 | &nbsp;&nbsp;0 | &nbsp;&nbsp;**1** |
| &nbsp;&nbsp;&nbsp;**CLTV** | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;**1** |
| &nbsp;&nbsp;&nbsp;**Doc Level** | &nbsp;&nbsp;1 | &nbsp;&nbsp;0 | &nbsp;&nbsp;**1** |
| &nbsp;&nbsp;&nbsp;**DTI** | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;**1** |
| &nbsp;&nbsp;&nbsp;**FICO** | &nbsp;&nbsp;1 | &nbsp;&nbsp;0 | &nbsp;&nbsp;**1** |
| &nbsp;&nbsp;&nbsp;**First Payment Date** | &nbsp;&nbsp;1 | &nbsp;&nbsp;0 | &nbsp;&nbsp;**1** |
| &nbsp;&nbsp;&nbsp;**Interest Rate** | &nbsp;&nbsp;1 | &nbsp;&nbsp;0 | &nbsp;&nbsp;**1** |
| &nbsp;&nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;1 | &nbsp;&nbsp;0 | &nbsp;&nbsp;**1** |
| &nbsp;&nbsp;&nbsp;**Loan Term** | &nbsp;&nbsp;1 | &nbsp;&nbsp;0 | &nbsp;&nbsp;**1** |
| &nbsp;&nbsp;&nbsp;**LTV** | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;**1** |
| &nbsp;&nbsp;&nbsp;**Note Date\*** | &nbsp;&nbsp;1 | &nbsp;&nbsp;0 | &nbsp;&nbsp;**1** |
| &nbsp;&nbsp;&nbsp;**Note Type** | &nbsp;&nbsp;1 | &nbsp;&nbsp;0 | &nbsp;&nbsp;**1** |
| &nbsp;&nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;1 | &nbsp;&nbsp;0 | &nbsp;&nbsp;**1** |
| &nbsp;&nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;**1** |
| &nbsp;&nbsp;&nbsp;**P&I Payment** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;**1** |

---

Page 7 of 10

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Property City** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;**1** |
| &nbsp;&nbsp;&nbsp;**Property State** | &nbsp;&nbsp;1 | &nbsp;&nbsp;0 | &nbsp;&nbsp;**1** |
| &nbsp;&nbsp;&nbsp;**Property Zip** | &nbsp;&nbsp;1 | &nbsp;&nbsp;0 | &nbsp;&nbsp;**1** |
| &nbsp;&nbsp;&nbsp;**Purpose** | &nbsp;&nbsp;1 | &nbsp;&nbsp;0 | &nbsp;&nbsp;**1** |
| &nbsp;&nbsp;&nbsp;**QM Type\*** | &nbsp;&nbsp;1 | &nbsp;&nbsp;0 | &nbsp;&nbsp;**1** |
| \* Tape data was not available. | \* Tape data was not available. | \* Tape data was not available. | \* Tape data was not available. |
| DTI Variance Threshold Applied: 3% | DTI Variance Threshold Applied: 3% | DTI Variance Threshold Applied: 3% | DTI Variance Threshold Applied: 3% |

---

DTI variances are the difference on the percentage of income dedicated toward making debt payments. These variances occur frequently due to differences in calculating incomes. Total Debt Ratio variances that were less than or equal to 3% of the tape value are not included in the data discrepancies reflected.

&nbsp;&nbsp;&nbsp;&nbsp;(7) Credit, Compliance and Property Valuation Results Credit Results Summary

Approximately 100.00% of the mortgage loans by number have a Credit grade of "A".

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &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;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** |

---

**Compliance Results Summary**

Approximately 100.00% of the mortgage loans in the securitization have a Compliance grade of "A".

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &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;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** |

---

**Property Valuation Results Summary**

Approximately 100.00% of the mortgage loans by number have a Valuation grade of "A".

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &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;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** |

---

**Overall Results Summary**

Approximately 100.00% of all loans by number received an overall grade of "A".

Page 8 of 10

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Loan Count** | **Percentage** |
| A | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1 | 100.00% |
| B | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | 0.00% |
| C | 0 | 0.00% |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Total** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**1** | **100.00%** |

---

&nbsp;&nbsp;&nbsp;&nbsp;(8) Pool Stratification Summary

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;First | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Note Type** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;**Arm** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Fixed** | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;**Owner Occupied** | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Non-Owner Occupied** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Second Home** | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Purpose** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;**Purchase** | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Refi - Cash Out** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Rate Term Refi** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;**Single Family** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**2-4 Family** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**PUD** | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Condo** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Co-op** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Townhome** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Debt to Income** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;**0-9.99%\*** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**10%-19.99%** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**20%-29.99%** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**30%-39.99%** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**40%-49.99%** | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**50%-60.00%** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** |

---

Page 9 of 10

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Loan to Value** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;**10%-19.99%** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**20%-29.99%** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**30%-39.99%** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**40%-49.99%** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**50%-59.99%** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**60%-69.99%** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**70%-79.99%** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**80%-89.99%** | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**90%-100%** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**State** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Percentage** |
| OK | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** |

---

Page 10 of 10

## Exhibit 99.5

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** |
| | | | | | | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **BPO Review Values** | **BPO Review Values** | **BPO Review Values** | **BPO Review Values** | **BPO Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score** |
| **Loan Number** | **Alt Loan Number** | **Origination Date** | **Original Loan Amount** | **LTV** | **Value Used For LTV** | **Sale Price** | **Appraised Value** | **Appraisal Date** | **Second Appraisal Value** | **Second Appraisal Type** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance (%)** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance (%)** | **Company** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance (%)** | **Company** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance (%)** | **Company** | **Appraisal Date** | **CU Score** | **CU Date** |
| XXXXXXXXXX | 107324 | XX/XX/XXXX | XXXXXXXXXX | 85.00% | Sale Price | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX | XXXXXXXXXX | Full Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 Fannie Mae | XX/XX/XXXX |

---

## Exhibit 99.5

![](coviuslogo.jpg)

---

| | | | | |
|:---|:---|:---|:---|:---|
| **ATR QM Data Fields** | **ATR QM Data Fields** |  |  |  |
| *Loans in Report: 1* |  |  |  |  |
| **Client Loan Number** | **Alt Loan Number** | **Loan Level ATR/QM Status** | **Application Date Prior to 1/10/2014** | **TRID Indicator** |
| XXXXXXXXXXXXX | 107324 | Non-QM: Compliant with ATR | No | Yes |
| **1** |  |  |  |  |

---

## Exhibit 99.5

---

| | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Exceptions Report: 12/16/2025** | **Exceptions Report: 12/16/2025** | **Exceptions Report: 12/16/2025** | **Exceptions Report: 12/16/2025** | **Exceptions Report: 12/16/2025** | **Exceptions Report: 12/16/2025** | **Exceptions Report: 12/16/2025** | **Exceptions Report: 12/16/2025** | **Exceptions Report: 12/16/2025** |  |  |  |  |  |  |
| **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Exception Information** | **Exception Information** | **Exception Information** | **Exception Information** | **Exception Information** | **Event Level** |
| **Loan Number** | **Property State** | **Purpose** | **Occupancy** | **Property Type** | **DTI** | **FICO** | **LTV** | **Note Original Balance** | **Exception Note** | **Exception General Comment** | **Comments** | **Condition** | **Exception Status** | **Grade** |
| 107324 | XXXXXXXXX | Purchase | Owner Occupied | PUD | 48.20 | 687 | 85.00% | XXXXXXXXX | Other - This loan failed the charges that cannot increase<br> test. The Initial LE XXXX reflects the Origination Fee as<br> $XXXX however the final CD XXXX reflects the comparable<br> fee as $XXXX for an increase of $XXXX. A change of<br> circumstance was in the file dated XXXX but the increase<br> for the Origination Fee was not included. The<br> Reimbursement provided for $XXXX was not enough to<br> cover the tolerance of $XXXX<br>Income - According to the underwriting guidelines, a<br> signed 4506-C is required for all standard document credit<br> files. In this case the signed 4506-C for borrower XXXX,<br> XXXX (aka XXXX) is missing from the loan file. | Other - 11/15/2023: The loan cancellation document<br> does not clear the condition. The Origination Fee on<br> the final CD is $XXXX and a change of circumstance for<br> this fee was not included in the file. <br> 11/29/2023: The revised CD dated XXXX reflects the<br> Origination Fee as $XXXX, however the final CD has the<br> fee as $XXXX. No COC for the increase was included in<br> the loan file. 12/07/23: Documentation provided to<br> cure.<br>Income - 10/30/23: Documentation provided to cure. |  | No | Cleared Exception A | 1 |
| **1** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.5

---

| | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Rating Agency Exceptions Report: 12/16/2025** | **Rating Agency Exceptions Report: 12/16/2025** | **Rating Agency Exceptions Report: 12/16/2025** | **Rating Agency Exceptions Report: 12/16/2025** | **Rating Agency Exceptions Report: 12/16/2025** | **Rating Agency Exceptions Report: 12/16/2025** | **Rating Agency Exceptions Report: 12/16/2025** | **Rating Agency Exceptions Report: 12/16/2025** | **Rating Agency Exceptions Report: 12/16/2025** | **Rating Agency Exceptions Report: 12/16/2025** | **Rating Agency Exceptions Report: 12/16/2025** | **Rating Agency Exceptions Report: 12/16/2025** | **Rating Agency Exceptions Report: 12/16/2025** | **Rating Agency Exceptions Report: 12/16/2025** | **Rating Agency Exceptions Report: 12/16/2025** | **Rating Agency Exceptions Report: 12/16/2025** | **Rating Agency Exceptions Report: 12/16/2025** | **Rating Agency Exceptions Report: 12/16/2025** | **Rating Agency Exceptions Report: 12/16/2025** |
| **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Exception Information** | **Exception Information** | **Exception Information** | **Exception Information** | **Exception Information** | **Exception Information** | **Exception Information** | **Event Level** |
| **Loan Number** | **Loan Number 2** | **Property State** | **Purpose** | **Occupancy** | **Property Type** | **DTI** | **DSCR** | **FICO** | **LTV** | **Note Original Balance** | **Exception ID** | **Exception Type** | **Exception Description** | **Exception Note** | **Exception General Comment** | **Compensating Factors** | **Exception Status** | **Grade** |
| XXXXXXXXX | 107324 | XXXXXXXXX | Purchase | Owner Occupied | PUD | 48.2 |  | 687 | 85.00% | XXXXXXXXX | 271495 | Credit | Income | According to the underwriting guidelines, a signed<br> 4506-C is required for all standard document credit<br> files. In this case the signed 4506-C for borrower XXXX,<br> XXXX (aka XXXX) is missing from the loan file. | 10/30/23: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXXX | 107324 | XXXXXXXXX | Purchase | Owner Occupied | PUD | 48.2 |  | 687 | 85.00% | XXXXXXXXX | 271521 | Compliance | Other | This loan failed the charges that cannot increase test. The Initial LE XXXX reflects the Origination Fee as $XXXX, however the final CD XXXX reflects the comparable fee as $XXXX for an increase of $XXXX. A change of circumstance was in the file dated XXXX but the increase for the Origination Fee was not included. The Reimbursement provided for $XXXX was not enough to cover the tolerance of $XXXX | 11/15/2023: The loan cancellation document does not clear the condition. The Origination Fee on the final CD is $XXXX and a change of circumstance for this fee was not included in the file. <br> 11/29/2023: The revised CD dated XXXX reflects the Origination Fee as $XXXX, however the final CD has the fee as $XXXX. No COC for the increase was included in the loan file. 12/07/23: Documentation provided to cure. |  | Cleared Exception A | 1 |
| **1** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.5

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Alt Loan Number** | **Tape** | **Audited** | **Field Compare** | **Variance** | **Data Discrepancy Flag** |
| XXXXXXXXX | 107324 | 38 | 48.2 | DTI | 10.2 | Yes |
| XXXXXXXXX | 107324 | 79.99 | 84.9956 | LTV | 5.0056 | Yes |
| XXXXXXXXX | 107324 | 79.99 | 84.9956 | CLTV | 5.0056 | Yes |
| XXXXXXXXX | 107324 | XXXXXXXXX | XXXXXXXXX | Original Balance | XXXXXXXXX | Yes |

---

## Exhibit 99.5

---

| | |
|:---|:---|
| **Client Name:** |  |
| **Client Project Name:** | **BRAVO 2026-NQM1** |
| **Start - End Dates:** | **6/15/2016** |
| **Deal Loan Count:** | **1** |
| **Conditions Report 2.0** | **Conditions Report 2.0** |
| ***Loans in Report:*** | *1* |
| ***Loans with Conditions:*** | *1* |

---

---

| | | | |
|:---|:---|:---|:---|
| **Loan Number** | **Lender Application Date** | **Broker Application Date** | **Did Lender Acknowledge Exception at Origination** |
| 316351 | XXXXXX | XXXXXX C B | (No Data) |

---

## Exhibit 99.6

**Exhibit 99.6**

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**EXECUTIVE SUMMARY**

**DESCRIPTION OF SERVICES**

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;■ "Credit and Compliance Review": 210 mortgage loans

&nbsp;&nbsp;&nbsp;&nbsp;■ "Leases Review": 168 mortgage loans

&nbsp;&nbsp;&nbsp;&nbsp;■ "Data Integrity Review": 378 mortgage loans

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

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

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

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

AMC compared data fields on the bid tape provided by the Client to the data found in the actual file as captured during the Compliance Review. The scope of this review and the findings are detailed later in this document.

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

**<u>CREDIT AND COMPLIANCE SCOPE (210 Mortgage Loans)</u>**

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

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

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

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

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

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

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

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

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

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

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

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

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

**<u>LEASES SCOPE (168 Mortgage Loans)</u>**

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

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

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

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

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

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

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

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

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

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

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

**Title:** AMC will verify whether the appropriate vestee is on the title document: if a purchase, the seller; if a refinance, the borrower. AMC will also review the Title Commitment for the disclosure issues such as assessments; covenants, conditions and restrictions); access problems; vicinity of property to military airports; prior leases; court orders/divorce decrees; public probate issues; foreclosures; bankruptcies; judgment liens; state and federal tax liens; and environmental liens. Review for instances of delinquent taxes (non-liens). In addition, AMC will review for Oil, Gas, Water or Mineral rights.

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

**<u>DATA COLLECTION</u>**

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 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.

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

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

&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;

&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;

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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.

 

*<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

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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, |

---

---

| | |
|:---|:---|
| 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. |

---

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.).

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.

 

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*<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.

**(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

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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.**

**Data Integrity Review (378 Mortgage Loans):** AMC compared data fields on the bid tape provided by the Client to the data found in the actual file as captured during the Compliance Review. The number of fields included and reviewed on a bid tape can vary by counterparty and by time period of transaction.

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

**(9) Disclaimer**

Except as expressly enumerated above, please be advised that SitusAMC has not performed any review to determine whether the mortgage loans covered in this Report complied with federal, state or local laws, constitutional provisions,

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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.

**COMPLIANCE RESULTS SUMMARY**

Please note that 168 Leases Review were not subjected to a compliance review and did not receive a compliance grade. Of the remaining 210 mortgage loans under the Fitch and KBRA rating criteria, 187 (89.05%) mortgage loans received an "A" compliance grade and 23 (10.95%) mortgage loans received a "B" compliance grade.

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| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Fitch & KBRA** | &nbsp;&nbsp;**Fitch & KBRA** | &nbsp;&nbsp;**Fitch & KBRA** | &nbsp;&nbsp;**Fitch & KBRA** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**% of Compliance Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;187 | &nbsp;&nbsp;49.47% | &nbsp;&nbsp;89.05% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;23 | &nbsp;&nbsp;6.08% | &nbsp;&nbsp;10.95% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Compliance Not Run | &nbsp;&nbsp;168 | &nbsp;&nbsp;44.44% | &nbsp;&nbsp;N/A |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**378** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**100.00%** |

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**CREDIT RESULTS SUMMARY**

Within the securitization population, 332 (87.83%) of the mortgage loans received an "A" credit grade and 46 (12.17%) of the mortgage loans received a "B" credit grade.

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fitch & KBRA Credit** | &nbsp;&nbsp;**Fitch & KBRA Credit** | &nbsp;&nbsp;**Fitch & KBRA Credit** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;332 | &nbsp;&nbsp;87.83% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;46 | &nbsp;&nbsp;12.17% |
| &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;**378** | &nbsp;&nbsp;**100.00%** |

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**PROPERTY/VALUATION RESULTS SUMMARY**

Within the securitization population under the Fitch and KBRA rating criteria all 378 (100.00%) of the mortgage loans received an "A" property grade.

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fitch & KBRA Property/Valuation** | &nbsp;&nbsp;**Fitch & KBRA Property/Valuation** | &nbsp;&nbsp;**Fitch & KBRA Property/Valuation** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;378 | &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;**378** | &nbsp;&nbsp;**100.00%** |

---

**OVERALL RESULTS SUMMARY**

After considering the grading implications of the Compliance, Credit, and Property/Valuation sections above, under the Fitch and KBRA ratings criteria, 100% of the loans by number in the pool possessed a NRSRO grade of "A" or "B".

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fitch & KBRA Overall** | &nbsp;&nbsp;**Fitch & KBRA Overall** | &nbsp;&nbsp;**Fitch & KBRA Overall** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;312 | &nbsp;&nbsp;82.54% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;66 | &nbsp;&nbsp;17.46% |
| &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;**378** | &nbsp;&nbsp;**100.00%** |

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**EXCEPTION SUMMARY (378 Mortgage Loans)**

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

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| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Exception Type** | &nbsp;&nbsp;**Final Exception Rating** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ATR/QM Defect | &nbsp;&nbsp;13 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID Defect | &nbsp;&nbsp;12 |

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|:---|:---|:---|:---|
|  |  | &nbsp;&nbsp;ECOA | &nbsp;&nbsp;2 |
|  |  | &nbsp;&nbsp;State Defect | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***28*** |
| &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**28** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Guideline | &nbsp;&nbsp;38 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Borrower and Mortgage Eligibility | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Title | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Property - Appraisal | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Credit | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***48*** |
| &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**48** |
| &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**0** |
| &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**76** |

---

**DATA INTEGRITY REVIEW RESULTS SUMMARY (378 Mortgage Loans)**

AMC compared data fields on the bid tape provided by the Client to the data found in the actual file as captured during the Review. The number of fields included and reviewed on a bid tape can vary by counterparty and by the time period of the transaction. The information provided below is based upon the relevant data capture and bid tape elements for a specific transaction, as may be unique for that transaction, within the reviews that occurred to the associated mortgage loans that are included in the securitization population.

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Loans With Discrepancy** | &nbsp;&nbsp;**Total Times Compared** | &nbsp;&nbsp;**% Variance** | &nbsp;&nbsp;**# Of Loans** |
| &nbsp;&nbsp;# of Units | &nbsp;&nbsp;0 | &nbsp;&nbsp;114 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;378 |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;247 | &nbsp;&nbsp;264 | &nbsp;&nbsp;93.56% | &nbsp;&nbsp;378 |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;247 | &nbsp;&nbsp;269 | &nbsp;&nbsp;91.82% | &nbsp;&nbsp;378 |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;7 | &nbsp;&nbsp;265 | &nbsp;&nbsp;2.64% | &nbsp;&nbsp;378 |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;24 | &nbsp;&nbsp;114 | &nbsp;&nbsp;21.05% | &nbsp;&nbsp;378 |
| &nbsp;&nbsp;Borrower FTHB | &nbsp;&nbsp;1 | &nbsp;&nbsp;10 | &nbsp;&nbsp;10.00% | &nbsp;&nbsp;378 |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;30 | &nbsp;&nbsp;114 | &nbsp;&nbsp;26.32% | &nbsp;&nbsp;378 |
| &nbsp;&nbsp;Borrower Self-Employed? | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;378 |
| &nbsp;&nbsp;Borrower SSN | &nbsp;&nbsp;1 | &nbsp;&nbsp;14 | &nbsp;&nbsp;7.14% | &nbsp;&nbsp;378 |
| &nbsp;&nbsp;City | &nbsp;&nbsp;4 | &nbsp;&nbsp;378 | &nbsp;&nbsp;1.06% | &nbsp;&nbsp;378 |
| &nbsp;&nbsp;Coborrower First Name | &nbsp;&nbsp;4 | &nbsp;&nbsp;29 | &nbsp;&nbsp;13.79% | &nbsp;&nbsp;378 |
| &nbsp;&nbsp;Coborrower FTHB | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;378 |
| &nbsp;&nbsp;Coborrower Last Name | &nbsp;&nbsp;4 | &nbsp;&nbsp;29 | &nbsp;&nbsp;13.79% | &nbsp;&nbsp;378 |
| &nbsp;&nbsp;Coborrower Self-Employed? | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;378 |
| &nbsp;&nbsp;Coborrower SSN | &nbsp;&nbsp;1 | &nbsp;&nbsp;4 | &nbsp;&nbsp;25.00% | &nbsp;&nbsp;378 |
| &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;186 | &nbsp;&nbsp;262 | &nbsp;&nbsp;70.99% | &nbsp;&nbsp;378 |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;2 | &nbsp;&nbsp;368 | &nbsp;&nbsp;0.54% | &nbsp;&nbsp;378 |
| &nbsp;&nbsp;Guideline Name | &nbsp;&nbsp;244 | &nbsp;&nbsp;261 | &nbsp;&nbsp;93.49% | &nbsp;&nbsp;378 |
| &nbsp;&nbsp;Has FTHB | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;378 |
| &nbsp;&nbsp;Interest Only Period | &nbsp;&nbsp;16 | &nbsp;&nbsp;16 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;378 |
| &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;25 | &nbsp;&nbsp;213 | &nbsp;&nbsp;11.74% | &nbsp;&nbsp;378 |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;247 | &nbsp;&nbsp;378 | &nbsp;&nbsp;65.34% | &nbsp;&nbsp;378 |

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14 \| P a g e

![](amc-bravo_logo.jpg)

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;LTV Valuation Value | &nbsp;&nbsp;1 | &nbsp;&nbsp;65 | &nbsp;&nbsp;1.54% | &nbsp;&nbsp;378 |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;2 | &nbsp;&nbsp;372 | &nbsp;&nbsp;0.54% | &nbsp;&nbsp;378 |
| &nbsp;&nbsp;Mortgage Type | &nbsp;&nbsp;3 | &nbsp;&nbsp;5 | &nbsp;&nbsp;60.00% | &nbsp;&nbsp;378 |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;3 | &nbsp;&nbsp;108 | &nbsp;&nbsp;2.78% | &nbsp;&nbsp;378 |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;1 | &nbsp;&nbsp;378 | &nbsp;&nbsp;0.26% | &nbsp;&nbsp;378 |
| &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;377 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;378 |
| &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;2 | &nbsp;&nbsp;378 | &nbsp;&nbsp;0.53% | &nbsp;&nbsp;378 |
| &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;0 | &nbsp;&nbsp;378 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;378 |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;378 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;378 |
| &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;1 | &nbsp;&nbsp;101 | &nbsp;&nbsp;0.99% | &nbsp;&nbsp;378 |
| &nbsp;&nbsp;Original Term | &nbsp;&nbsp;247 | &nbsp;&nbsp;378 | &nbsp;&nbsp;65.34% | &nbsp;&nbsp;378 |
| &nbsp;&nbsp;Originator Loan Designation | &nbsp;&nbsp;151 | &nbsp;&nbsp;203 | &nbsp;&nbsp;74.38% | &nbsp;&nbsp;378 |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;63 | &nbsp;&nbsp;378 | &nbsp;&nbsp;16.67% | &nbsp;&nbsp;378 |
| &nbsp;&nbsp;Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;378 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;378 |
| &nbsp;&nbsp;Refi Purpose | &nbsp;&nbsp;2 | &nbsp;&nbsp;25 | &nbsp;&nbsp;8.00% | &nbsp;&nbsp;378 |
| &nbsp;&nbsp;Representative FICO | &nbsp;&nbsp;14 | &nbsp;&nbsp;378 | &nbsp;&nbsp;3.70% | &nbsp;&nbsp;378 |
| &nbsp;&nbsp;State | &nbsp;&nbsp;0 | &nbsp;&nbsp;378 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;378 |
| &nbsp;&nbsp;Street | &nbsp;&nbsp;1 | &nbsp;&nbsp;114 | &nbsp;&nbsp;0.88% | &nbsp;&nbsp;378 |
| &nbsp;&nbsp;Subject Debt Service Coverage Ratio | &nbsp;&nbsp;97 | &nbsp;&nbsp;168 | &nbsp;&nbsp;57.74% | &nbsp;&nbsp;378 |
| &nbsp;&nbsp;Zip | &nbsp;&nbsp;25 | &nbsp;&nbsp;378 | &nbsp;&nbsp;6.61% | &nbsp;&nbsp;378 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1905** | &nbsp;&nbsp;**8437** | &nbsp;&nbsp;**22.58%** | &nbsp;&nbsp;**378** |

---

In total, data variances were found on 334 (88.36%) mortgage loans reviewed across 33 unique data fields in the sample. Please note that not all data fields would have been available for all loans.

**ADDITIONAL SUMMARY (378 Mortgage Loans)** 

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

 

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| Fixed | 378 | 100.00% | $222279269.00 | 100.00% |
| **Total** | **378** | **100.00%** | **$222279269.00** | **100.00%** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| 1 | 378 | 100.00% | $222279269.00 | 100.00% |
| **Total** | **378** | **100.00%** | **$222279269.00** | **100.00%** |
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| Cash Out: Other/Multi-purpose/Unknown Purpose | 120 | 31.75% | $64348250.00 | 28.95% |
| First Time Home Purchase | 46 | 12.17% | $30339259.00 | 13.65% |
| Other-than-first-time Home Purchase | 156 | 41.27% | $89633736.00 | 40.32% |
| Rate/Term Refinance - Lender Initiated | 1 | 0.26% | $967500.00 | 0.44% |
| Rate/Term Refinance - Borrower Initiated | 55 | 14.55% | $36990524.00 | 16.64% |
| **Total** | **378** | **100.00%** | **$222279269.00** | **100.00%** |

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15 \| P a g e

![](amc-bravo_logo.jpg)

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| 121-180 Months | 4 | 1.06% | $1562000.00 | 0.70% |
| 241-360 Months | 372 | 98.41% | $217667269.00 | 97.93% |
| 361+ Months | 2 | 0.53% | $3050000.00 | 1.37% |
| **Total** | **378** | **100.00%** | **$222279269.00** | **100.00%** |
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| Single Family Detached | 190 | 50.26% | $113538936.00 | 51.08% |
| Condo, Low Rise | 34 | 8.99% | $18876635.00 | 8.49% |
| Condo, High Rise | 9 | 2.38% | $5553100.00 | 2.50% |
| PUD | 99 | 26.19% | $59266698.00 | 26.66% |
| 1 Family Attached | 7 | 1.85% | $2942750.00 | 1.32% |
| 2 Family | 23 | 6.08% | $12861650.00 | 5.79% |
| 3 Family | 9 | 2.38% | $5573750.00 | 2.51% |
| 4 Family | 7 | 1.85% | $3665750.00 | 1.65% |
| **Total** | **378** | **100.00%** | **$222279269.00** | **100.00%** |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| Primary | 188 | 49.74% | $139882376.00 | 62.93% |
| Investment | 175 | 46.30% | $75286593.00 | 33.87% |
| Second Home | 15 | 3.97% | $7110300.00 | 3.20% |
| **Total** | **378** | **100.00%** | **$222279269.00** | **100.00%** |

---

 

16 \| P a g e

## Exhibit 99.6

![](situsamc_logo.jpg)

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Level Exception - Final Grades** | **Loan Level Exception - Final Grades** | **Loan Level Exception - Final Grades** | **Loan Level Exception - Final Grades** | **Loan Level Exception - Final Grades** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** |
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Edgar ID** | **Borrower Name** | **Deal Number** | **Original Loan Amount** | **State** | **Note Date** | **Occupancy** | **Purpose** | **QM Status** | **Overall Grade** | **Credit Grade** | **Credit Exceptions** | **Credit Exception Information** | **Credit Exception Comments** | **Compliance Grade** | **Compliance Exceptions** | **Compliance Exception Information** | **Compliance Exception Comments** | **Compliance Comp Factors** | **Compensating Factors** | **Subject to High Cost - Unable to Test** | **Disposition 2** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** |
| XXXX | XXXX | XXXX | 885025 | XXXX | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Refinance Rate/Term |  | 1 | 1 |  |  |  |  |  |  |  |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - A |  |  |  |  | A |
| XXXX | XXXX | XXXX | 998062 |  | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  |  |  |  |  |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - A |  |  |  |  | A |
| XXXX | XXXX | XXXX | 979706 |  | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | XXXX | 931415 | XXXX | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 2 | 2 | [2] Miscellaneous - Credit Exception: | Borrower lives rent free which is not permitted. | BUYER - GENERAL COMMENT (2025-09-25): see attached docs - approved exception<br> REVIEWER - WAIVED COMMENT (2025-09-29): Lender exception in file. |  |  |  |  |  | Borrower's monthly reserves have been verified and exceed the amount<br> required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least<br> 40 points. |  | - B |  |  |  |  | A B |
| XXXX | XXXX | XXXX | 669925 |  | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | XXXX | 806622 |  | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Purchase |  | 2 | 2 | [2] Miscellaneous - Credit Exception: | Using 100% of appraiser's STR without an expense factor, XXXX exception in file, missing lender exception from XXXX. | BUYER - GENERAL COMMENT (2025-09-11): See docs provided<br> REVIEWER - WAIVED COMMENT (2025-09-15): Lender exception in file. |  |  |  |  |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B |  |  |  |  | A B |
| XXXX | XXXX | XXXX | 530820 |  | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | XXXX | 711046 | XXXX | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | XXXX | 158489 |  | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | XXXX | 335480 | XXXX | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | XXXX | 773030 | XXXX | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | XXXX | 276528 | XXXX | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | XXXX | 418116 | XXXX | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | XXXX | 622252 | XXXX | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | XXXX | 677262 | XXXX | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | XXXX | 774770 | XXXX | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | XXXX | 630332 | XXXX | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | XXXX | 377356 | XXXX | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | XXXX | 752666 | XXXX | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 2 | 2 | [2] Miscellaneous - Credit Exception: | Lender exception for title held in LLC where Borrower is not a majority owner to be counted toward seasoning requirements, | REVIEWER - WAIVED COMMENT (2025-09-30): Lender<br> exception in file. |  |  |  |  |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B |  |  |  |  | A B |
| XXXX | XXXX | XXXX | 823162 | XXXX | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | XXXX | 774473 | XXXX | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | XXXX | 830253 | XXXX | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | XXXX | 235908 | XXXX | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 2 | 2 | [2] Miscellaneous - Credit Exception: | Lender Exception given for to proceed with a cash out refinance with title seasoning just less than 6 months and to use the appraised value and waive the 5% LTV reduction for properties owned for less than 6 months which HomeBridge guidelines require. | REVIEWER - WAIVED COMMENT (2025-10-02): The client elects to waive. |  |  |  |  |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B |  |  |  |  | A B |
| XXXX | XXXX | XXXX | 166350 |  | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Refinance Rate/Term |  | 1 | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | XXXX | 889247 | XXXX | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | XXXX | 172642 | XXXX | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | XXXX | 200608 |  | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | XXXX | 256535 | XXXX | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | XXXX | 824750 | XXXX | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | XXXX | 257312 | XXXX | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | XXXX | 712262 | XXXX | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | XXXX | 455867 | XXXX | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | XXXX | 556270 | XXXX | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Refinance Rate/Term |  | 1 | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | XXXX | 697386 |  | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | XXXX | 138363 | XXXX | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | XXXX | 468710 | XXXX | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | XXXX | 641237 |  | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | XXXX | 401921 | XXXX | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | XXXX | 294173 |  | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Refinance Rate/Term |  | 1 | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | XXXX | 747028 | XXXX | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | XXXX | 627262 | XXXX | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | XXXX | 748097 | XXXX | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | XXXX | 877120 |  | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | XXXX | 838077 |  | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | XXXX | 257235 |  | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | XXXX | 138209 |  | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | XXXX | 388580 |  | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | XXXX | 602526 |  | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | XXXX | 598446 | XXXX | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Refinance Rate/Term |  | 1 | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | XXXX | 937351 | XXXX | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | XXXX | 731667 | XXXX | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Refinance Rate/Term |  | 1 | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | XXXX | 297000 |  | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Purchase |  | 2 | 2 | [2] Miscellaneous - Credit Exception: | Lender approved exception at origination to allow layered entity. | REVIEWER - WAIVED COMMENT (2025-10-14): Lender exception in file. |  |  |  |  |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B |  |  |  |  | A B |
| XXXX | XXXX | XXXX | 884383 | XXXX | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 2 | 2 | [2] Miscellaneous - Credit Exception: | Using updated lease amount of $XXXX monthly beginning XXXX, lender exception in file. | REVIEWER - WAIVED COMMENT (2025-10-14): Lender exception in file. |  |  |  |  |  | Borrower has owned the subject property for at least 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B |  |  |  |  | A B |
| XXXX | XXXX | XXXX | 181506 | XXXX | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Refinance Rate/Term |  | 1 | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | XXXX | 871116 | XXXX | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 2 | 2 | [2] Miscellaneous - Credit Exception: | Lender approved exception at origination to allow using rental income when the renter is a family member. | REVIEWER - WAIVED COMMENT (2025-10-14): Lender exception in file. |  |  |  |  |  | Borrower has owned the subject property for at least 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B |  |  |  |  | A B |
| XXXX | XXXX | XXXX | 510918 | XXXX | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Refinance Rate/Term |  | 1 | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | XXXX | 140982 | XXXX | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | XXXX | 828058 | XXXX | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | XXXX | 821611 |  | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | XXXX | 793723 | XXXX | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | XXXX | 956124 |  | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | XXXX | 907854 | XXXX | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | XXXX | 396831 | XXXX | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | XXXX | 802118 | XXXX | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Refinance Rate/Term |  | 1 | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | XXXX | 534430 |  | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | XXXX | 844190 | XXXX | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Purchase |  | 2 | 2 | [2] Guideline Issue - Verification of housing pay history is required. | Lender approved exception at origination to allow less than 12 months of primary mortgage history. | REVIEWER - WAIVED COMMENT (2025-10-16): Lender exception in file. |  |  |  |  |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B |  |  |  |  | A B |
| XXXX | XXXX | XXXX | 518333 | XXXX | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | XXXX | 176009 |  | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | XXXX | 199473 | XXXX | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 2 | 2 | [2] Credit Eligibility - Borrower has open Tradelines which are less than the minimum required by guidelines.: Credit Report: Original // Borrower: XXXX Open Tradelines: 1 | Lender approved exception at origination to allow borrower not meeting the tradeline requirements. | REVIEWER - WAIVED COMMENT (2025-10-16): Lender exception in file. |  |  |  |  |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B |  |  |  |  | A B |
| XXXX | XXXX | XXXX | 599860 | XXXX | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | XXXX | 443159 | XXXX | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | XXXX | 903027 |  | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | XXXX | 399070 | XXXX | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | XXXX | 768466 | XXXX | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | XXXX | 364452 | XXXX | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | XXXX | 734570 |  | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | XXXX | 288766 |  | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Refinance Rate/Term |  | 1 | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | XXXX | 760383 |  | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 2 | 2 | [2] Miscellaneous - Credit Exception: | Lender exception is approved to vest in a layered entity. | REVIEWER - WAIVED COMMENT (2025-10-17): The client elects to waive. |  |  |  |  |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B |  |  |  |  | A B |
| XXXX | XXXX | XXXX | 904197 |  | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | XXXX | 933152 |  | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | XXXX | 638985 | XXXX | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | XXXX | 905091 | XXXX | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | XXXX | 518033 | XXXX | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | XXXX | 742723 | XXXX | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Refinance Rate/Term |  | 1 | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | XXXX | 834476 |  | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | XXXX | 481369 | XXXX | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Refinance Rate/Term |  | 1 | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | XXXX | 175595 | XXXX | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | XXXX | 824003 | XXXX | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | XXXX | 669956 | XXXX | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | XXXX | 574773 |  | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 2 | 2 | [2] Mortgage / Program Eligibility - Guideline Requirement: Loan to value discrepancy.: Calculated loan to value percentage of XX% exceeds Guideline loan to value percentage of XX%. | Calculated loan to value percentage of XX% exceeds Guideline loan to value percentage of XX%. | BUYER - GENERAL COMMENT (2025-10-23): The LTV is 75%<br> BUYER - GENERAL COMMENT (2025-10-24): XXXXSubmitted for a LTV Exception<br> BUYER - GENERAL COMMENT (2025-10-27): Exception approval<br> BUYER - GENERAL COMMENT (2025-10-27): exception<br> REVIEWER - WAIVED COMMENT (2025-10-28): Post close lender exception provided. |  |  |  |  |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B |  |  |  |  | A B |
| XXXX | XXXX | XXXX | 220954 | XXXX | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | XXXX | 264146 | XXXX | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | XXXX | 369410 | XXXX | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | XXXX | 961300 |  | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | XXXX | 350339 | XXXX | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | XXXX | 157827 | XXXX | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | XXXX | 279226 |  | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | XXXX | 482358 |  | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Refinance Rate/Term |  | 2 | 2 | [2] General Appraisal Requirements - Subject is a refinance and property is listed for sale.: Valuation Type: Appraisal / Valuation Report Date: XX/XX/XXXX | Lender approved exception at origination to allow property being listed until after the initial application date. | REVIEWER - WAIVED COMMENT (2025-10-27): Lender exception in file. |  |  |  |  |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by XX points. |  | - B |  |  |  |  | A B |
| XXXX | XXXX | XXXX | 988079 | XXXX | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | XXXX | 755454 | XXXX | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | XXXX | 494252 |  | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | XXXX | 447039 |  | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Refinance Rate/Term |  | 1 | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | XXXX | 519288 | XXXX | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Refinance Rate/Term |  | 1 | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | XXXX | 482723 | XXXX | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | XXXX | 636687 | XXXX | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | XXXX | 102431 |  | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | XXXX | 175896 |  | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Refinance Rate/Term |  | 1 | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | XXXX | 724733 |  | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | XXXX | 904027 | XXXX | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | XXXX | 288478 |  | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | XXXX | 706141 |  | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | XXXX | 924972 | XXXX | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | XXXX | 813884 |  | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | XXXX | 785716 |  | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Refinance Rate/Term |  | 1 | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | XXXX | 815187 |  | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | XXXX | 832770 |  | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | XXXX | 924476 |  | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Purchase |  | 2 | 2 | [2] Mortgage / Program Eligibility - Guideline Requirement: Loan to value discrepancy.: Calculated loan to value percentage of XX% exceeds Guideline loan to value percentage of XX%. | Lender approved exception at origination to allow LTV up to 80% when 75% is the maximum for a warrantable condo. | REVIEWER - WAIVED COMMENT (2025-10-13): Lender exception in file. |  |  |  |  |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B |  |  |  |  | A B |
| XXXX | XXXX | XXXX | 221686 | XXXX | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | XXXX | 278404 | XXXX | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | XXXX | 859402 |  | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | XXXX | 957080 | XXXX | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | XXXX | 972210 | XXXX | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Refinance Rate/Term |  | 1 | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | XXXX | 893203 |  | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | XXXX | 867010 |  | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | XXXX | 308695 |  | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | XXXX | 580743 |  | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | XXXX | 487052 | XXXX | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | XXXX | 129738 |  | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Refinance Rate/Term |  | 1 | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | XXXX | 819125 | XXXX | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | XXXX | 995431 | XXXX | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | XXXX | 536729 |  | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | XXXX | 792892 | XXXX | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | XXXX | 360423 | XXXX | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | XXXX | 530486 | XXXX | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Refinance Rate/Term |  | 1 | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | XXXX | 183349 | XXXX | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | XXXX | 987554 | XXXX | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | XXXX | 124890 |  | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | XXXX | 470369 | XXXX | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | XXXX | 929696 | XXXX | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Refinance Rate/Term |  | 1 | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | XXXX | 477163 |  | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | XXXX | 494956 | XXXX | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | XXXX | 417559 |  | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | XXXX | 569792 | XXXX | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | XXXX | 733768 |  | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Refinance Rate/Term |  | 1 | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | XXXX | 303182 | XXXX | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | XXXX | 991681 |  | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | XXXX | 907296 | XXXX | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Purchase |  | 2 | 2 | [2] Mortgage / Program Eligibility - Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy.: Calculated Debt Service Coverage Ratio (Subject DSCR) of 0.87 does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) 1.00. | Calculated Debt Service Coverage Ratio of 0.87 does not meet Guideline Debt Service Coverage Ratio of 1.00. .Lender exception for First Time Investor with 0.85 DSCR score contingent on minimum 12 months reserves. Approval in file. | REVIEWER - WAIVED COMMENT (2025-10-24): Lender exception in file. |  |  |  |  |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B |  |  |  |  | A B |
| XXXX | XXXX | XXXX | 935300 |  | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | XXXX | 382783 |  | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | XXXX | 407726 | XXXX | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | XXXX | 280963 | XXXX | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | XXXX | 569726 | XXXX | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Purchase |  | 2 | 2 | [2] Mortgage / Program Eligibility - Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy.: Calculated Debt Service Coverage Ratio (Subject DSCR) of 0.91 does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) 1.00. | Calculated Debt Service Coverage Ratio of 0.91 does not meet Guideline Debt Service Coverage Ratio of 1.00. Lender exception for .90 DSCR score with interest only and Borrower is a First Time Investor. Approval in file. | REVIEWER - WAIVED COMMENT (2025-10-30): Lender exception in file. |  |  |  |  |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B |  |  |  |  | A B |
| XXXX | XXXX | XXXX | 866742 |  | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | XXXX | 595983 | XXXX | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Refinance Rate/Term |  | 1 | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | XXXX | 321622 | XXXX | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Refinance Rate/Term |  | 1 | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | XXXX | 487406 | XXXX | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | XXXX | 709771 | XXXX | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Refinance Rate/Term |  | 1 | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | XXXX | 499162 | XXXX | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | XXXX | 202369 |  | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Purchase |  | 2 | 2 | [2] Mortgage / Program Eligibility - Guideline Requirement: Loan to value discrepancy.: Calculated loan to value percentage of XX% exceeds Guideline loan to value percentage of XX%. | Max LTV for warrantable condo is 75%, lender exception in file. | REVIEWER - WAIVED COMMENT (2025-10-13): Lender exception in file. |  |  |  |  |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B |  |  |  |  | A B |
| XXXX | XXXX | XXXX | 798860 |  | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Purchase |  | 2 | 2 | [2] Guideline Issue - Verification of housing pay history is required. | Lender approved exception at origination to allow missing housing history from XX/XX/XXXX through XX/XX/XXXX. | REVIEWER - WAIVED COMMENT (2025-10-13): Lender exception in file. |  |  |  |  |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B |  |  |  |  | A B |
| XXXX | XXXX | XXXX | 713303 |  | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Refinance Rate/Term |  | 1 | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | XXXX | 118017 |  | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Refinance Rate/Term |  | 2 | 2 | [2] Miscellaneous - Credit Exception: | Lender approved exception at origination to allow a 3-unit property where all 3 units have cooktop only stoves in the kitchens. | REVIEWER - WAIVED COMMENT (2025-10-24): Lender exception in file. |  |  |  |  |  | Borrower has owned the subject property for at least 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B |  |  |  |  | A B |
| XXXX | XXXX | XXXX | 414966 | XXXX | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Purchase |  | 2 | 2 | [2] Miscellaneous - Credit Exception:<br> [2] Mortgage / Program Eligibility - Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy.: Calculated Debt Service Coverage Ratio (Subject DSCR) of 0.85 does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) 1.00. | Lender exception for Non-Arms Length transaction due to Borrower has/had business relationship with the Broker originating the loan. Contingent upon Max 70% LTV. Approval in file.<br> Calculated Debt Service Coverage Ratio of 0.85 does not meet Guideline Debt Service Coverage Ratio of 1.00. Lender exception for less than 1.00 DSCR with actual short term rents used. Approval in file. | REVIEWER - WAIVED COMMENT (2025-11-03): Lender exception in file.<br> REVIEWER - WAIVED COMMENT (2025-11-03): Lender exception in file. |  |  |  |  |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B |  |  |  |  | A B |
| XXXX | XXXX | XXXX | 285607 | XXXX | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 2 | 2 | [2] Miscellaneous - Credit Exception: | Month to month rental without most recent rental receipt, lender exception in file. | REVIEWER - WAIVED COMMENT (2025-11-07): Lender exception in file. |  |  |  |  |  | Borrower has owned the subject property for at least 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. |  | - B |  |  |  |  | A B |
| XXXX | XXXX | XXXX | 748129 | XXXX | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 2 | 2 | [2] Mortgage / Program Eligibility - Guideline Requirement: Loan to value discrepancy.: Calculated loan to value percentage of XX% exceeds Guideline loan to value percentage of 70.00000%. | Lender Exception given for to Waive 5% LTV reduction for property listed for sale is approved with a 0.25 pricing hit in addition to standard LLPAs associated with the loan. | REVIEWER - WAIVED COMMENT (2025-11-07): Lender exception in file. |  |  |  |  |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. |  | - B |  |  |  |  | A B |
| XXXX | XXXX | XXXX | 751442 | XXXX | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |
| XXXX | XXXX | XXXX | 817325 |  | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Purchase |  | 2 | 2 | [2] Miscellaneous - Credit Exception: | Lender exception request to proceed at 80% LTV with a condo. Guidelines state warrantable and non-warrantable condos maximum 75% LTV on purchase / rate and term. | REVIEWER - WAIVED COMMENT (2025-11-24): Lender Exception with Compensating Factors. |  |  |  |  |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Miscellaneous<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B |  |  |  |  | A B |
| XXXX | XXXX | XXXX | 889995 |  | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  |  |  |  |  |  |  |  | - A |  |  |  |  | A |

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## Exhibit 99.6

![](situsamc_logo.jpg)

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Exception Grades** | **Exception Grades** | **Exception Grades** | **Exception Grades** | **Exception Grades** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Edgar ID** | **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** | **Compliance<br> Final Loan Grade** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
| XXXX | XXXX | XXXX | 931415 | 35265693 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower lives rent free which is not permitted. | Borrower's monthly reserves have been verified and<br> exceed the amount required based on the guidelines<br> by at least 4 months.<br>The representative FICO score exceeds the guideline<br> minimum by at least 40 points. | 28 months reserves<br>Fico is 114 points above guideline minimum. | Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-09-29): Lender exception in file.<br>Buyer Comment (2025-09-25): see attached docs - approved exception |  |  | XX/XX/XXXX | 2 B | XX/XX/XXXX | XX | Investment | Refinance - Cash-out - Other | B | A |  | N/A | No |
| XXXX | XXXX | XXXX | 806622 | 35265708 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Using 100% of appraiser's STR without an expense factor, XXXX exception in file, missing lender exception from XXXX. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | 126 months reserves<br>Fico is 122 points above guideline minimum. | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-09-15): Lender exception in file.<br>Buyer Comment (2025-09-11): See docs provided |  |  | XX/XX/XXXX | 2 B | XX/XX/XXXX | XX | Investment | Purchase | B | A |  | N/A | No |
| XXXX | XXXX | XXXX | 752666 | 35265835 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception for title held in LLC where Borrower is not a majority owner to be counted toward seasoning requirements, | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | 116 months reserves<br>LTV is 32% below guideline max.<br>Fico is 109 points above guideline minimum. | Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-09-30): Lender exception in file. |  |  | XX/XX/XXXX | 2 B | XX/XX/XXXX | XX | Investment | Refinance - Cash-out - Other | B | A |  | N/A | No |
| XXXX | XXXX | XXXX | 235908 | 35265867 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception given for to proceed with a cash out refinance with title seasoning just less than 6 months and to use the appraised value and waive the 5% LTV reduction for properties owned for less than 6 months which HomeBridge guidelines require. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Seasoned Borrower/Investor whose experience exceeds 10 completed projects. | FICO: 793 | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-10-02): The client elects to waive. |  |  | XX/XX/XXXX | 2 B | XX/XX/XXXX | XX | Investment | Refinance - Cash-out - Other | B | A |  | N/A | No |
| XXXX | XXXX | XXXX | 297000 | 35266020 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception at origination to allow layered entity. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | 38 months reserves<br>Fico is 96 points above guideline minimum. | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-10-14): Lender exception in file. |  |  | XX/XX/XXXX | 2 B | XX/XX/XXXX | XX | Investment | Purchase | B | A |  | N/A | No |
| XXXX | XXXX | XXXX | 884383 | 35266024 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Using updated lease amount of $XXXX monthly beginning XXXX, lender exception in file. | Borrower has owned the subject property for at least 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Fico is 123 points above guideline minimum. | SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-10-14): Lender exception in file. |  |  | XX/XX/XXXX | 2 B | XX/XX/XXXX | XX | Investment | Refinance - Cash-out - Other | B | A |  | N/A | No |
| XXXX | XXXX | XXXX | 871116 | 35266043 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception at origination to allow using rental income when the renter is a family member. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | LTV is 23% below guideline max.<br>Fico is 79 points above guideline minimum. | Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-10-14): Lender exception in file. |  |  | XX/XX/XXXX | 2 B | XX/XX/XXXX | XX | Investment | Refinance - Cash-out - Other | B | A |  | N/A | No |
| XXXX | XXXX | XXXX | 844190 | 35266105 |  | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. |  | Lender approved exception at origination to allow less than 12 months of primary mortgage history. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | 12 months reserves<br>LTV is 10% below guideline max.<br>Fico is 91 points above guideline minimum. | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-10-16): Lender exception in file. |  |  | XX/XX/XXXX | 2 B | XX/XX/XXXX | XX | Investment | Purchase | B | A |  | N/A | No |
| XXXX | XXXX | XXXX | 199473 | 35266128 |  | Credit | Credit | Credit Eligibility | Credit | Borrower has open Tradelines which are less than the minimum required by guidelines. | Credit Report: Original // Borrower: XXXX Open Tradelines: 1 | Lender approved exception at origination to allow borrower not meeting the tradeline requirements. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | 12 months reserves<br>Fico is 65 points above guideline minimum. | Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-10-16): Lender exception in file. |  |  | XX/XX/XXXX | 2 B | XX/XX/XXXX | XX | Investment | Refinance - Cash-out - Other | B | A |  | N/A | No |
| XXXX | XXXX | XXXX | 760383 | 35266191 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception is approved to vest in a layered entity. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | FICO 796 | SitusAMC,Aggregator<br>SitusAMC | Reviewer Comment (2025-10-17): The client elects to waive. |  |  | XX/XX/XXXX | 2 B | XX/XX/XXXX | XX | Investment | Refinance - Cash-out - Other | B | A |  | N/A | No |
| XXXX | XXXX | XXXX | 574773 | 35266253 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of XX% exceeds Guideline loan to value percentage of XX%. | Calculated loan to value percentage of XX% exceeds Guideline loan to value percentage of XX%. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | 26 months reserves.<br>Fico is 50 points above guideline minimum. | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-10-28): Post close lender exception provided.<br>Buyer Comment (2025-10-27): exception<br>Buyer Comment (2025-10-27): Exception approval<br>Buyer Comment (2025-10-24): XXXXSubmitted for a LTV Exception<br>Buyer Comment (2025-10-23): The LTV is 75% |  |  | XX/XX/XXXX | 2 B | XX/XX/XXXX | XX | Investment | Refinance - Cash-out - Other | B | A |  | N/A | No |
| XXXX | XXXX | XXXX | 482358 | 35266290 |  | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Subject is a refinance and property is listed for sale. | Valuation Type: Appraisal / Valuation Report Date: XX/XX/XXXX | Lender approved exception at origination to allow property being listed until after the initial application date. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by XX points. | 11 months reserves<br>Fico exceeds minimum by 21 points | SitusAMC<br>Originator | Reviewer Comment (2025-10-27): Lender exception in file. |  |  | XX/XX/XXXX | 2 B | XX/XX/XXXX | XX | Investment | Refinance - Rate/Term | B | A |  | N/A | No |
| XXXX | XXXX | XXXX | 924476 | 35266413 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of XX% exceeds Guideline loan to value percentage of XX%. | Lender approved exception at origination to allow LTV up to 80% when 75% is the maximum for a warrantable condo. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | 60 months reserves<br>Fico is 121 points above guideline minimum. | Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-10-13): Lender exception in file. |  |  | XX/XX/XXXX | 2 B | XX/XX/XXXX | XX | Investment | Purchase | B | A |  | N/A | No |
| XXXX | XXXX | XXXX | 907296 | 35266580 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of 0.87 does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) 1.00. | Calculated Debt Service Coverage Ratio of 0.87 does not meet Guideline Debt Service Coverage Ratio of 1.00. .Lender exception for First Time Investor with 0.85 DSCR score contingent on minimum 12 months reserves. Approval in file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | 18 months reserves<br>Fico is 132 points above guideline minimum. | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-10-24): Lender exception in file. |  |  | XX/XX/XXXX | 2 B | XX/XX/XXXX | XX | Investment | Purchase | B | A |  | N/A | No |
| XXXX | XXXX | XXXX | 569726 | 35266597 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of 0.91 does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) 1.00. | Calculated Debt Service Coverage Ratio of 0.91 does not meet Guideline Debt Service Coverage Ratio of 1.00. Lender exception for .90 DSCR score with interest only and Borrower is a First Time Investor. Approval in file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | 16 months reserves<br>Fico is 77 points above guideline minimum. | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-10-30): Lender exception in file. |  |  | XX/XX/XXXX | 2 B | XX/XX/XXXX | XX | Investment | Purchase | B | A |  | N/A | No |
| XXXX | XXXX | XXXX | 202369 | 35266630 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of XX% exceeds Guideline loan to value percentage of XX%. | Max LTV for warrantable condo is 75%, lender exception in file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | 69 months reserves<br>Fico is 121 points above guideline minimum. | Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-10-13): Lender exception in file. |  |  | XX/XX/XXXX | 2 B | XX/XX/XXXX | XX | Investment | Purchase | B | A |  | N/A | No |
| XXXX | XXXX | XXXX | 798860 | 35266633 |  | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. |  | Lender approved exception at origination to allow missing housing history from XX/XX/XXXX through XX/XX/XXXX. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Fico is 123 points above guideline minimum. | SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-10-13): Lender exception in file. |  |  | XX/XX/XXXX | 2 B | XX/XX/XXXX | XX | Investment | Purchase | B | A |  | N/A | No |
| XXXX | XXXX | XXXX | 118017 | 35266641 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception at origination to allow a 3-unit property where all 3 units have cooktop only stoves in the kitchens. | Borrower has owned the subject property for at least 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | 25 months reserves<br>LTV is 58% below guideline max.<br>Fico is 121 points above guideline minimum. | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-10-24): Lender exception in file. |  |  | XX/XX/XXXX | 2 B | XX/XX/XXXX | XX | Investment | Refinance - Rate/Term | B | A |  | N/A | No |
| XXXX | XXXX | XXXX | 414966 | 35266651 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception for Non-Arms Length transaction due to Borrower has/had business relationship with the Broker originating the loan. Contingent upon Max 70% LTV. Approval in file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | 15 months reserves<br>Fico is 45 points above guideline minimum. | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-11-03): Lender exception in file. |  |  | XX/XX/XXXX | 2 B | XX/XX/XXXX | XX | Investment | Purchase | B | A |  | N/A | No |
| XXXX | XXXX | XXXX | 414966 | 35266652 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of 0.85 does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) 1.00. | Calculated Debt Service Coverage Ratio of 0.85 does not meet Guideline Debt Service Coverage Ratio of 1.00. Lender exception for less than 1.00 DSCR with actual short term rents used. Approval in file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | 15 months reserves<br>Fico is 45 points above guideline minimum. | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-11-03): Lender exception in file. |  |  | XX/XX/XXXX | 2 B | XX/XX/XXXX | XX | Investment | Purchase | B | A |  | N/A | No |
| XXXX | XXXX | XXXX | 285607 | 35266654 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Month to month rental without most recent rental receipt, lender exception in file. | Borrower has owned the subject property for at least 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | 61 months reserves. | SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-11-07): Lender exception in file. |  |  | XX/XX/XXXX | 2 B | XX/XX/XXXX | XX | Investment | Refinance - Cash-out - Other | B | A |  | N/A | No |
| XXXX | XXXX | XXXX | 748129 | 35266662 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of XX% exceeds Guideline loan to value percentage of 70.00000%. | Lender Exception given for to Waive 5% LTV reduction for property listed for sale is approved with a 0.25 pricing hit in addition to standard LLPAs associated with the loan. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | 202 months reserves | Originator,SitusAMC | Reviewer Comment (2025-11-07): Lender exception in file. |  |  | XX/XX/XXXX | 2 B | XX/XX/XXXX | XX | Investment | Refinance - Cash-out - Other | B | A |  | N/A | No |
| XXXX | XXXX | XXXX | 817325 | 35266668 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception request to proceed at 80% LTV with a condo. Guidelines state warrantable and non-warrantable condos maximum 75% LTV on purchase / rate and term. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Miscellaneous | 300 months reserves.<br>Lender Exception with Compensating Factors.<br>14 years clean payment history. | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-11-24): Lender Exception with Compensating Factors. |  |  | XX/XX/XXXX | 2 B | XX/XX/XXXX | XX | Investment | Purchase | B | A |  | N/A | No |

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## Exhibit 99.6

![](situsamc_logo.jpg)

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| **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Edgar ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Value for LTV** | **As-Is Value for LTV** | **LTV Value Variance Amount** | **LTV Value Variance Percent** | **Primary Valuation Value** | **Primary Valuation Report Date** | **Primary Valuation Effective Date** | **Primary Valuation Type** | **Primary Valuation Company** | **Primary Valuation Appraiser Name** | **Primary Valuation Appraiser License Num** | **Primary Valuation FSD Score** | **Secondary Valuation Value** | **Secondary Valuation Variance Amount** | **Secondary Valuation Variance Percent** | **Secondary Valuation Report Date** | **Secondary Valuation Effective Date** | **Secondary Valuation Type** | **Secondary Valuation Company** | **Secondary Valuation FSD Score** | **Secondary Valuation Desk Review Risk Score** | **AVM Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Company** | **AVM FSD Score** | **AVM Report Date** | **Desk Review Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Report Date** | **Desk Review Effective Date** | **Desktop Appraisal Value** | **Desktop Appraisal Variance Amount** | **Desktop Appraisal Variance Percent** | **Desktop Appraisal Company** | **Desktop Appraisal Report Date** | **Desktop Appraisal Effective Date** | **BPO Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Report Date** | **Field Review Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Report Date** | **Field Review Effective Date** | **2055 Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Report Date** | **2055 Effective Date** | **AVE/CMA Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Report Date** | **Hybrid Valuation Value** | **Hybrid Valuation Variance Amount** | **Hybrid Valuation Variance Percent** | **Hybrid Valuation Company** | **Hybrid Valuation Report Date** | **Updated Valuation Value** | **Updated Valuation Variance Amount** | **Updated Valuation Variance Percent** | **Updated Valuation Company** | **Updated Valuation Report Date** | **Updated Valuation Effective Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Value Analysis Valuation Value** | **Value Analysis Report Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **LCA Risk Score** | **Collateral Underwriter Risk Score** |
| XXXX | XXXX | XXXX | 885025 | XX/XX/XXXX | $XXXX |  | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  | $XXXX | $XXXX | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 998062 | XX/XX/XXXX | $XXXX | $XXXX | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  | $XXXX | $XXXX | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.80 |
| XXXX | XXXX | XXXX | 979706 | XX/XX/XXXX | $XXXX |  | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  | $XXXX | $XXXX | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| XXXX | XXXX | XXXX | 931415 | XX/XX/XXXX | $XXXX |  | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  | $XXXX | $XXXX | -8.970% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.30 |
| XXXX | XXXX | XXXX | 669925 | XX/XX/XXXX | $XXXX | $XXXX | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  | $XXXX | $XXXX | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 806622 | XX/XX/XXXX | $XXXX | $XXXX | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
| XXXX | XXXX | XXXX | 530820 | XX/XX/XXXX | $XXXX | $XXXX | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  | $XXXX | $XXXX | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 711046 | XX/XX/XXXX | $XXXX |  | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  | $XXXX | $XXXX | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 158489 | XX/XX/XXXX | $XXXX | $XXXX | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  | $XXXX | $XXXX | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | XXXX | 335480 | XX/XX/XXXX | $XXXX | $XXXX | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  | $XXXX | $XXXX | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 773030 | XX/XX/XXXX | $XXXX | $XXXX | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | XXXX | 276528 | XX/XX/XXXX | $XXXX | $XXXX | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | XXXX | 418116 | XX/XX/XXXX | $XXXX | $XXXX | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | XXXX | 622252 | XX/XX/XXXX | $XXXX | $XXXX | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | XXXX | 677262 | XX/XX/XXXX | $XXXX | $XXXX | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | XXXX | 774770 | XX/XX/XXXX | $XXXX | $XXXX | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | XXXX | 630332 | XX/XX/XXXX | $XXXX | $XXXX | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | XXXX | 377356 | XX/XX/XXXX | $XXXX | $XXXX | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | XXXX | 752666 | XX/XX/XXXX | $XXXX |  | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  | $XXXX | $XXXX | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.30 |
| XXXX | XXXX | XXXX | 823162 | XX/XX/XXXX | $XXXX |  | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  | $XXXX | $XXXX | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.60 |
| XXXX | XXXX | XXXX | 774473 | XX/XX/XXXX | $XXXX | $XXXX | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  | $XXXX | $XXXX | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 830253 | XX/XX/XXXX | $XXXX | $XXXX | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  | $XXXX | $XXXX | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 235908 | XX/XX/XXXX | $XXXX |  | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  | $XXXX | $XXXX | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.10 |
| XXXX | XXXX | XXXX | 166350 | XX/XX/XXXX | $XXXX |  | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  | $XXXX | $XXXX | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 889247 | XX/XX/XXXX | $XXXX | $XXXX | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | XXXX | 172642 | XX/XX/XXXX | $XXXX | $XXXX | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | XXXX | 200608 | XX/XX/XXXX | $XXXX | $XXXX | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | XXXX | 256535 | XX/XX/XXXX | $XXXX | $XXXX | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | XXXX | 824750 | XX/XX/XXXX | $XXXX |  | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | XXXX | 257312 | XX/XX/XXXX | $XXXX |  | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | XXXX | 712262 | XX/XX/XXXX | $XXXX | $XXXX | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | XXXX | 455867 | XX/XX/XXXX | $XXXX |  | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  | $XXXX | $XXXX | 5.100% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 556270 | XX/XX/XXXX | $XXXX |  | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | XXXX | 697386 | XX/XX/XXXX | $XXXX |  | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 |
| XXXX | XXXX | XXXX | 138363 | XX/XX/XXXX | $XXXX |  | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | XXXX | 468710 | XX/XX/XXXX | $XXXX |  | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | XXXX | 641237 | XX/XX/XXXX | $XXXX | $XXXX | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | XXXX | 401921 | XX/XX/XXXX | $XXXX | $XXXX | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | XXXX | 294173 | XX/XX/XXXX | $XXXX |  | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
| XXXX | XXXX | XXXX | 747028 | XX/XX/XXXX | $XXXX | $XXXX | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | XXXX | 627262 | XX/XX/XXXX | $XXXX |  | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | XXXX | 748097 | XX/XX/XXXX | $XXXX | $XXXX | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | XXXX | 877120 | XX/XX/XXXX | $XXXX | $XXXX | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | XXXX | 838077 | XX/XX/XXXX | $XXXX |  | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| XXXX | XXXX | XXXX | 257235 | XX/XX/XXXX | $XXXX |  | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | XXXX | 138209 | XX/XX/XXXX | $XXXX |  | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  | $XXXX | $XXXX | -8.940% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
| XXXX | XXXX | XXXX | 388580 | XX/XX/XXXX | $XXXX |  | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| XXXX | XXXX | XXXX | 602526 | XX/XX/XXXX | $XXXX | $XXXX | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | XXXX | 598446 | XX/XX/XXXX | $XXXX |  | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | XXXX | 937351 | XX/XX/XXXX | $XXXX |  | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  | $XXXX | $XXXX | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 731667 | XX/XX/XXXX | $XXXX |  | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  | $XXXX | $XXXX | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| XXXX | XXXX | XXXX | 297000 | XX/XX/XXXX | $XXXX | $XXXX | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  | $XXXX | $XXXX | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.20 |
| XXXX | XXXX | XXXX | 884383 | XX/XX/XXXX | $XXXX |  | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | XXXX | 181506 | XX/XX/XXXX | $XXXX |  | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| XXXX | XXXX | XXXX | 871116 | XX/XX/XXXX | $XXXX |  | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  | $XXXX | $XXXX | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.20 |
| XXXX | XXXX | XXXX | 510918 | XX/XX/XXXX | $XXXX |  | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  | $XXXX | $XXXX | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.90 |
| XXXX | XXXX | XXXX | 140982 | XX/XX/XXXX | $XXXX | $XXXX | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  | $XXXX | $XXXX | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.40 |
| XXXX | XXXX | XXXX | 828058 | XX/XX/XXXX | $XXXX |  | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| XXXX | XXXX | XXXX | 821611 | XX/XX/XXXX | $XXXX | $XXXX | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  | $XXXX | $XXXX | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.30 |
| XXXX | XXXX | XXXX | 793723 | XX/XX/XXXX | $XXXX | $XXXX | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | XXXX | 956124 | XX/XX/XXXX | $XXXX |  | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  | $XXXX | $XXXX | -8.640% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.10 |
| XXXX | XXXX | XXXX | 907854 | XX/XX/XXXX | $XXXX | $XXXX | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | XXXX | 396831 | XX/XX/XXXX | $XXXX | $XXXX | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | XXXX | 802118 | XX/XX/XXXX | $XXXX |  | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | XXXX | 534430 | XX/XX/XXXX | $XXXX | $XXXX | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | XXXX | 844190 | XX/XX/XXXX | $XXXX | $XXXX | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  | $XXXX | $XXXX | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 518333 | XX/XX/XXXX | $XXXX | $XXXX | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | XXXX | 176009 | XX/XX/XXXX | $XXXX |  | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  | $XXXX | $XXXX | -4.620% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 199473 | XX/XX/XXXX | $XXXX |  | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  | $XXXX | $XXXX | -5.940% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 599860 | XX/XX/XXXX | $XXXX | $XXXX | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  | $XXXX | $XXXX | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.10 |
| XXXX | XXXX | XXXX | 443159 | XX/XX/XXXX | $XXXX |  | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | XXXX | 903027 | XX/XX/XXXX | $XXXX |  | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  | $XXXX | $XXXX | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 399070 | XX/XX/XXXX | $XXXX |  | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | XXXX | 768466 | XX/XX/XXXX | $XXXX | $XXXX | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  | $XXXX | $XXXX | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| XXXX | XXXX | XXXX | 364452 | XX/XX/XXXX | $XXXX | $XXXX | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | XXXX | 734570 | XX/XX/XXXX | $XXXX | $XXXX | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | XXXX | 288766 | XX/XX/XXXX | $XXXX |  | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| XXXX | XXXX | XXXX | 760383 | XX/XX/XXXX | $XXXX |  | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  | $XXXX | $XXXX | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.80 |
| XXXX | XXXX | XXXX | 904197 | XX/XX/XXXX | $XXXX |  | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  | $XXXX | $XXXX | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
| XXXX | XXXX | XXXX | 933152 | XX/XX/XXXX | $XXXX |  | $XXXX |  |  | 12.880% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  | $XXXX | $XXXX | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | High |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
| XXXX | XXXX | XXXX | 638985 | XX/XX/XXXX | $XXXX | $XXXX | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | XXXX | 905091 | XX/XX/XXXX | $XXXX |  | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  | $XXXX | $XXXX | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 518033 | XX/XX/XXXX | $XXXX |  | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  | $XXXX | $XXXX | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 742723 | XX/XX/XXXX | $XXXX |  | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  | $XXXX | $XXXX | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.40 |
| XXXX | XXXX | XXXX | 834476 | XX/XX/XXXX | $XXXX |  | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  | $XXXX | $XXXX | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
| XXXX | XXXX | XXXX | 481369 | XX/XX/XXXX | $XXXX |  | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  | $XXXX | $XXXX | -3.230% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
| XXXX | XXXX | XXXX | 175595 | XX/XX/XXXX | $XXXX | $XXXX | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  | $XXXX | $XXXX | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.20 |
| XXXX | XXXX | XXXX | 824003 | XX/XX/XXXX | $XXXX | $XXXX | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  | $XXXX | $XXXX | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.10 |
| XXXX | XXXX | XXXX | 669956 | XX/XX/XXXX | $XXXX |  | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | XXXX | 574773 | XX/XX/XXXX | $XXXX |  | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  | $XXXX | $XXXX | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 220954 | XX/XX/XXXX | $XXXX | $XXXX | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  | $XXXX | $XXXX | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 999.00 |
| XXXX | XXXX | XXXX | 264146 | XX/XX/XXXX | $XXXX |  | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| XXXX | XXXX | XXXX | 369410 | XX/XX/XXXX | $XXXX |  | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| XXXX | XXXX | XXXX | 961300 | XX/XX/XXXX | $XXXX |  | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| XXXX | XXXX | XXXX | 350339 | XX/XX/XXXX | $XXXX | $XXXX | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | XXXX | 157827 | XX/XX/XXXX | $XXXX |  | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  | $XXXX | $XXXX | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 279226 | XX/XX/XXXX | $XXXX | $XXXX | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | XXXX | 482358 | XX/XX/XXXX | $XXXX |  | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | XXXX | 988079 | XX/XX/XXXX | $XXXX |  | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | XXXX | 755454 | XX/XX/XXXX | $XXXX |  | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  | $XXXX | $XXXX | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.70 |
| XXXX | XXXX | XXXX | 494252 | XX/XX/XXXX | $XXXX | $XXXX | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | XXXX | 447039 | XX/XX/XXXX | $XXXX |  | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  | $XXXX | $XXXX | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| XXXX | XXXX | XXXX | 519288 | XX/XX/XXXX | $XXXX |  | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
| XXXX | XXXX | XXXX | 482723 | XX/XX/XXXX | $XXXX |  | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  | $XXXX | $XXXX | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.90 |
| XXXX | XXXX | XXXX | 636687 | XX/XX/XXXX | $XXXX |  | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| XXXX | XXXX | XXXX | 102431 | XX/XX/XXXX | $XXXX | $XXXX | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  | $XXXX | $XXXX | -3.060% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 175896 | XX/XX/XXXX | $XXXX |  | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  | $XXXX | $XXXX | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.10 |
| XXXX | XXXX | XXXX | 724733 | XX/XX/XXXX | $XXXX | $XXXX | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  | $XXXX | $XXXX | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 904027 | XX/XX/XXXX | $XXXX | $XXXX | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | XXXX | 288478 | XX/XX/XXXX | $XXXX |  | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  | $XXXX | $XXXX | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 706141 | XX/XX/XXXX | $XXXX |  | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | XXXX | 924972 | XX/XX/XXXX | $XXXX | $XXXX | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  | $XXXX | $XXXX | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| XXXX | XXXX | XXXX | 813884 | XX/XX/XXXX | $XXXX | $XXXX | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  | $XXXX | $XXXX | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.10 |
| XXXX | XXXX | XXXX | 785716 | XX/XX/XXXX | $XXXX |  | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| XXXX | XXXX | XXXX | 815187 | XX/XX/XXXX | $XXXX | $XXXX | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  | $XXXX | $XXXX | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 832770 | XX/XX/XXXX | $XXXX |  | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  | $XXXX | $XXXX | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | XXXX | 924476 | XX/XX/XXXX | $XXXX | $XXXX | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  | $XXXX | $XXXX | -2.950% | XX/XX/XXXX | XX/XX/XXXX | AVM | XXXX | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.80 |
| XXXX | XXXX | XXXX | 221686 | XX/XX/XXXX | $XXXX |  | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | XXXX | 278404 | XX/XX/XXXX | $XXXX | $XXXX | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  | $XXXX | $XXXX | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 859402 | XX/XX/XXXX | $XXXX | $XXXX | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
| XXXX | XXXX | XXXX | 957080 | XX/XX/XXXX | $XXXX | $XXXX | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  | $XXXX | $XXXX | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 999.00 |
| XXXX | XXXX | XXXX | 972210 | XX/XX/XXXX | $XXXX |  | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  | $XXXX | $XXXX | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.20 |
| XXXX | XXXX | XXXX | 893203 | XX/XX/XXXX | $XXXX |  | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  | $XXXX | $XXXX | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 867010 | XX/XX/XXXX | $XXXX | $XXXX | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  | $XXXX | $XXXX | -1.740% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 308695 | XX/XX/XXXX | $XXXX |  | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  | $XXXX | $XXXX | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 580743 | XX/XX/XXXX | $XXXX | $XXXX | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | XXXX | 487052 | XX/XX/XXXX | $XXXX | $XXXX | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | XXXX | 129738 | XX/XX/XXXX | $XXXX |  | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  | $XXXX | $XXXX | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| XXXX | XXXX | XXXX | 819125 | XX/XX/XXXX | $XXXX | $XXXX | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | XXXX | 995431 | XX/XX/XXXX | $XXXX |  | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  | $XXXX | $XXXX | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 536729 | XX/XX/XXXX | $XXXX | $XXXX | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  | $XXXX | $XXXX | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 792892 | XX/XX/XXXX | $XXXX | $XXXX | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| XXXX | XXXX | XXXX | 360423 | XX/XX/XXXX | $XXXX | $XXXX | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | XXXX | 530486 | XX/XX/XXXX | $XXXX |  | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| XXXX | XXXX | XXXX | 183349 | XX/XX/XXXX | $XXXX |  | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  | $XXXX | $XXXX | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.60 |
| XXXX | XXXX | XXXX | 987554 | XX/XX/XXXX | $XXXX |  | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | XXXX | 124890 | XX/XX/XXXX | $XXXX | $XXXX | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  | $XXXX | $XXXX | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| XXXX | XXXX | XXXX | 470369 | XX/XX/XXXX | $XXXX | $XXXX | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  | $XXXX | $XXXX | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.40 |
| XXXX | XXXX | XXXX | 929696 | XX/XX/XXXX | $XXXX |  | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  | $XXXX | $XXXX | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 477163 | XX/XX/XXXX | $XXXX |  | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  | $XXXX | $XXXX | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 494956 | XX/XX/XXXX | $XXXX |  | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  | $XXXX | $XXXX | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 417559 | XX/XX/XXXX | $XXXX |  | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  | $XXXX | $XXXX | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | XXXX | 569792 | XX/XX/XXXX | $XXXX |  | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | XXXX | 733768 | XX/XX/XXXX | $XXXX |  | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | XXXX | 303182 | XX/XX/XXXX | $XXXX | $XXXX | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | XXXX | 991681 | XX/XX/XXXX | $XXXX | $XXXX | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  | $XXXX | $XXXX | -9.630% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | XXXX | 907296 | XX/XX/XXXX | $XXXX | $XXXX | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  | $XXXX | $XXXX | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | XXXX | 935300 | XX/XX/XXXX | $XXXX |  | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  | $XXXX | $XXXX | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| XXXX | XXXX | XXXX | 382783 | XX/XX/XXXX | $XXXX |  | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  | $XXXX | $XXXX | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 407726 | XX/XX/XXXX | $XXXX |  | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | XXXX | 280963 | XX/XX/XXXX | $XXXX | $XXXX | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  | $XXXX | $XXXX | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | XXXX | 569726 | XX/XX/XXXX | $XXXX | $XXXX | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  | $XXXX | $XXXX | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | XXXX | 866742 | XX/XX/XXXX | $XXXX | $XXXX | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  | $XXXX | $XXXX | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 595983 | XX/XX/XXXX | $XXXX |  | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
| XXXX | XXXX | XXXX | 321622 | XX/XX/XXXX | $XXXX |  | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  | $XXXX | $XXXX | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.00 |
| XXXX | XXXX | XXXX | 487406 | XX/XX/XXXX | $XXXX |  | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  | $XXXX | $XXXX | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 709771 | XX/XX/XXXX | $XXXX |  | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | XXXX | 499162 | XX/XX/XXXX | $XXXX | $XXXX | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | XXXX | 202369 | XX/XX/XXXX | $XXXX | $XXXX | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| XXXX | XXXX | XXXX | 798860 | XX/XX/XXXX | $XXXX | $XXXX | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | XXXX | 713303 | XX/XX/XXXX | $XXXX |  | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  | $XXXX | $XXXX | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 118017 | XX/XX/XXXX | $XXXX |  | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  | $XXXX | $XXXX | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 414966 | XX/XX/XXXX | $XXXX | $XXXX | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | XXXX | 285607 | XX/XX/XXXX | $XXXX |  | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  | $XXXX | $XXXX | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 748129 | XX/XX/XXXX | $XXXX |  | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | XXXX | 751442 | XX/XX/XXXX | $XXXX | $XXXX | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | XXXX | 817325 | XX/XX/XXXX | $XXXX | $XXXX | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | XXXX | 889995 | XX/XX/XXXX | $XXXX | $XXXX | $XXXX |  |  | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  | $XXXX | $XXXX | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.00 |

---

## Exhibit 99.6

![](situsamc_logo.jpg)

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Data Compare (Non-Ignored)** | **Data Compare (Non-Ignored)** | **Data Compare (Non-Ignored)** | **Data Compare (Non-Ignored)** | **Data Compare (Non-Ignored)** |  |  |  |  |  |
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Servicer Loan ID** | **Edgar ID** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Compare Status** | **Comment** |
| XXXX | XXXX | XXXX |  | 885025 | Subject Debt Service Coverage Ratio | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | 998062 | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX |  | 998062 | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| XXXX | XXXX | XXXX |  | 998062 | Subject Debt Service Coverage Ratio | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | 979706 | Original Term |  | 360 | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX |  | 979706 | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
| XXXX | XXXX | XXXX |  | 979706 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXX | XXXX | XXXX |  | 979706 | Interest Only Period |  | 120 | Verified | Field Value reflects 'Interest Only Period' per the Note |
| XXXX | XXXX | XXXX |  | 979706 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXX | XXXX | XXXX |  | 979706 | Guideline Name |  | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | 979706 | Subject Debt Service Coverage Ratio | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | 931415 | Original Term |  | 360 | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX |  | 931415 | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
| XXXX | XXXX | XXXX |  | 931415 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXX | XXXX | XXXX |  | 931415 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXX | XXXX | XXXX |  | 931415 | Contract Sales Price |  | XXXX | Verified | Field Value reflects sales price as it appears on the sales/purchase<br> contract and/or addendum |
| XXXX | XXXX | XXXX |  | 931415 | Investor: Qualifying Total Debt Ratio | 0 |  | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX |  | 931415 | Guideline Name |  | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | 931415 | Subject Debt Service Coverage Ratio | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | 669925 | Original Term |  | 360 | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX |  | 669925 | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
| XXXX | XXXX | XXXX |  | 669925 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXX | XXXX | XXXX |  | 669925 | Property Type | Single Family Detached | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX |  | 669925 | Interest Only Period |  | 120 | Verified | Field Value reflects 'Interest Only Period' per the Note |
| XXXX | XXXX | XXXX |  | 669925 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXX | XXXX | XXXX |  | 669925 | Contract Sales Price |  | XXXX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXX | XXXX | XXXX |  | 669925 | Guideline Name |  | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | 669925 | Subject Debt Service Coverage Ratio | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | 806622 | Original Term |  | 360 | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX |  | 806622 | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
| XXXX | XXXX | XXXX |  | 806622 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXX | XXXX | XXXX |  | 806622 | Interest Only Period |  | 120 | Verified | Field Value reflects 'Interest Only Period' per the Note |
| XXXX | XXXX | XXXX |  | 806622 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXX | XXXX | XXXX |  | 806622 | Contract Sales Price |  | XXXX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXX | XXXX | XXXX |  | 806622 | Guideline Name |  | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | 806622 | Subject Debt Service Coverage Ratio | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | 530820 | Original Term |  | 360 | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX |  | 530820 | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
| XXXX | XXXX | XXXX |  | 530820 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXX | XXXX | XXXX |  | 530820 | Property Type | Single Family Detached | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX |  | 530820 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXX | XXXX | XXXX |  | 530820 | Contract Sales Price |  | XXXX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXX | XXXX | XXXX |  | 530820 | Guideline Name |  | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | 530820 | Subject Debt Service Coverage Ratio | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | 711046 | Original Term |  | 360 | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX |  | 711046 | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
| XXXX | XXXX | XXXX |  | 711046 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXX | XXXX | XXXX |  | 711046 | Property Type | Single Family Detached | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX |  | 711046 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXX | XXXX | XXXX |  | 711046 | Contract Sales Price |  | XXXX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXX | XXXX | XXXX |  | 711046 | Guideline Name |  | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | 711046 | Subject Debt Service Coverage Ratio | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | 158489 | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX |  | 158489 | Original Term |  | 360 | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX |  | 158489 | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
| XXXX | XXXX | XXXX |  | 158489 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXX | XXXX | XXXX |  | 158489 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXX | XXXX | XXXX |  | 158489 | Contract Sales Price |  | XXXX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXX | XXXX | XXXX |  | 158489 | Guideline Name |  | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | 158489 | Subject Debt Service Coverage Ratio | XXXX | XXXX | Verified | Unable to verify due to missing information |
| XXXX | XXXX | XXXX |  | 335480 | Original Term |  | 360 | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX |  | 335480 | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
| XXXX | XXXX | XXXX |  | 335480 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXX | XXXX | XXXX |  | 335480 | Property Type | Single Family Detached | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX |  | 335480 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXX | XXXX | XXXX |  | 335480 | Contract Sales Price |  | XXXX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXX | XXXX | XXXX |  | 335480 | Guideline Name |  | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | 773030 | Subject Debt Service Coverage Ratio | XXXX | XXXX | Verified | The Field Value is inline with the Lender's DSCR Calculation Sheet of 1.07. |
| XXXX | XXXX | XXXX |  | 276528 | Subject Debt Service Coverage Ratio | XXXX | XXXX | Verified | The DSCR Worksheet in the file reflects a Ratio of 1.07, which matches the Field Value of 1.07. |
| XXXX | XXXX | XXXX |  | 418116 | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX |  | 418116 | Subject Debt Service Coverage Ratio | XXXX | XXXX | Verified | The DSCR worksheet reflects rental income of $2,150 was used to qualify the loan resulting in a Ratio of 1.12; however, the market rents are verified to be $2,110 resulting in a Ratio of 1.10. |
| XXXX | XXXX | XXXX |  | 622252 | Subject Debt Service Coverage Ratio | XXXX | XXXX | Verified | The DSCR Worksheet reflects a Ratio of 1.07, which matches the Field Value of 1.07. |
| XXXX | XXXX | XXXX |  | 677262 | Subject Debt Service Coverage Ratio | XXXX | XXXX | Verified | The DSCR Worksheet reflects a Ratio of 1.07, which matches the Field Value of 1.07. |
| XXXX | XXXX | XXXX |  | 774770 | Property Type | PUD | PUD Attached | Verified | Alternate format, not a true discrepancy |
| XXXX | XXXX | XXXX |  | 774770 | Subject Debt Service Coverage Ratio | XXXX | XXXX | Verified | The DSCR Worksheet reflects rental income of $2,150 was used to qualify the loan resulting in a Ratio of 1.12; however, the verified market rents are $2,110 resulting in a Ratio of 1.10. |
| XXXX | XXXX | XXXX |  | 630332 | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX |  | 630332 | Subject Debt Service Coverage Ratio | XXXX | XXXX | Verified | The DSCR Worksheet reflects a Ratio of 1.07, which matches the Field Value Ratio of 1.07. |
| XXXX | XXXX | XXXX |  | 377356 | Subject Debt Service Coverage Ratio | XXXX | XXXX | Verified | The DSCR Worksheet reflects a Ratio of 1.07, which matches the Field Value of 1.07. |
| XXXX | XXXX | XXXX |  | 752666 | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX |  | 752666 | Original Term |  | 360 | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX |  | 752666 | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
| XXXX | XXXX | XXXX |  | 752666 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXX | XXXX | XXXX |  | 752666 | Representative FICO | XXXX | XXXX | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XXXX | XXXX | XXXX |  | 752666 | Lien Position |  | 1 | Verified | Unable to verify due to missing information |
| XXXX | XXXX | XXXX |  | 752666 | Guideline Name |  | XXXX | Verified | Unable to verify due to missing information |
| XXXX | XXXX | XXXX |  | 823162 | Original Term |  | 360 | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX |  | 823162 | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
| XXXX | XXXX | XXXX |  | 823162 | Amortization Type |  | Fixed | Verified | Unable to verify due to missing information |
| XXXX | XXXX | XXXX |  | 823162 | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX |  | 823162 | Lien Position |  | 1 | Verified | Unable to verify due to missing information |
| XXXX | XXXX | XXXX |  | 823162 | Contract Sales Price |  | XXXX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXX | XXXX | XXXX |  | 823162 | Guideline Name |  | XXXX | Verified | Unable to verify due to missing information |
| XXXX | XXXX | XXXX |  | 823162 | Subject Debt Service Coverage Ratio | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | 774473 | Original Term |  | 360 | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX |  | 774473 | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
| XXXX | XXXX | XXXX |  | 774473 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXX | XXXX | XXXX |  | 774473 | Property Type | Single Family Detached | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX |  | 774473 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXX | XXXX | XXXX |  | 774473 | Contract Sales Price |  | XXXX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXX | XXXX | XXXX |  | 774473 | Guideline Name |  | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | 774473 | Subject Debt Service Coverage Ratio | XXXX | XXXX | Verified | Field Value is in line with DSCR Worksheet of 1.09. The difference is due to rounding. |
| XXXX | XXXX | XXXX |  | 830253 | Original Term |  | 360 | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX |  | 830253 | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
| XXXX | XXXX | XXXX |  | 830253 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXX | XXXX | XXXX |  | 830253 | Property Type | Single Family Detached | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX |  | 830253 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXX | XXXX | XXXX |  | 830253 | Contract Sales Price |  | XXXX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXX | XXXX | XXXX |  | 830253 | Guideline Name |  | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | 235908 | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX |  | 235908 | Original Term |  | 360 | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX |  | 235908 | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
| XXXX | XXXX | XXXX |  | 235908 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXX | XXXX | XXXX |  | 235908 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXX | XXXX | XXXX |  | 235908 | Contract Sales Price |  | XXXX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXX | XXXX | XXXX |  | 235908 | Guideline Name |  | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | 166350 | Original Term |  | 360 | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX |  | 166350 | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
| XXXX | XXXX | XXXX |  | 166350 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXX | XXXX | XXXX |  | 166350 | Property Type | Single Family Detached | 4 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX |  | 166350 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Security Instrument |
| XXXX | XXXX | XXXX |  | 166350 | Contract Sales Price |  | XXXX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXX | XXXX | XXXX |  | 166350 | Guideline Name |  | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | 166350 | Subject Debt Service Coverage Ratio | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | 889247 | Original Term |  | 360 | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX |  | 889247 | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
| XXXX | XXXX | XXXX |  | 889247 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXX | XXXX | XXXX |  | 889247 | Lien Position |  | 1 | Verified | Unable to verify due to missing information |
| XXXX | XXXX | XXXX |  | 889247 | Appraised Value | XXXX | XXXX | Verified | Unable to verify due to missing information |
| XXXX | XXXX | XXXX |  | 889247 | Contract Sales Price |  | XXXX | Verified | Unable to verify due to missing information |
| XXXX | XXXX | XXXX |  | 889247 | Guideline Name |  | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | 889247 | Subject Debt Service Coverage Ratio | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | 172642 | Original Term |  | 360 | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX |  | 172642 | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
| XXXX | XXXX | XXXX |  | 172642 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXX | XXXX | XXXX |  | 172642 | Interest Only Period |  | 120 | Verified | Field Value reflects 'Interest Only Period' per the Note |
| XXXX | XXXX | XXXX |  | 172642 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXX | XXXX | XXXX |  | 172642 | Contract Sales Price |  | XXXX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXX | XXXX | XXXX |  | 172642 | Guideline Name |  | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | 200608 | Original Term |  | 360 | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX |  | 200608 | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
| XXXX | XXXX | XXXX |  | 200608 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXX | XXXX | XXXX |  | 200608 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXX | XXXX | XXXX |  | 200608 | Contract Sales Price |  | XXXX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXX | XXXX | XXXX |  | 200608 | Guideline Name |  | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | 256535 | Original Term |  | 360 | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX |  | 256535 | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
| XXXX | XXXX | XXXX |  | 256535 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXX | XXXX | XXXX |  | 256535 | Interest Only Period |  | 120 | Verified | Field Value reflects 'Interest Only Period' per the Note |
| XXXX | XXXX | XXXX |  | 256535 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXX | XXXX | XXXX |  | 256535 | Contract Sales Price |  | XXXX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXX | XXXX | XXXX |  | 256535 | Guideline Name |  | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | 824750 | Original Term |  | 360 | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX |  | 824750 | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
| XXXX | XXXX | XXXX |  | 824750 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXX | XXXX | XXXX |  | 824750 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXX | XXXX | XXXX |  | 824750 | Contract Sales Price |  | XXXX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXX | XXXX | XXXX |  | 824750 | Guideline Name |  | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | 824750 | Subject Debt Service Coverage Ratio | XXXX | XXXX | Verified | Due to rounding. |
| XXXX | XXXX | XXXX |  | 257312 | Original Term |  | 360 | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX |  | 257312 | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
| XXXX | XXXX | XXXX |  | 257312 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXX | XXXX | XXXX |  | 257312 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXX | XXXX | XXXX |  | 257312 | Contract Sales Price |  | XXXX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXX | XXXX | XXXX |  | 257312 | Guideline Name |  | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | 257312 | Subject Debt Service Coverage Ratio | XXXX | XXXX | Verified | The Field Value is in line with the 1008 Value of 1.24. |
| XXXX | XXXX | XXXX |  | 712262 | Original Term |  | 360 | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX |  | 712262 | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
| XXXX | XXXX | XXXX |  | 712262 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXX | XXXX | XXXX |  | 712262 | Interest Only Period |  | 120 | Verified | Field Value reflects 'Interest Only Period' per the Note |
| XXXX | XXXX | XXXX |  | 712262 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXX | XXXX | XXXX |  | 712262 | Contract Sales Price |  | XXXX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXX | XXXX | XXXX |  | 712262 | Guideline Name |  | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | 455867 | Original Term |  | 360 | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX |  | 455867 | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
| XXXX | XXXX | XXXX |  | 455867 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXX | XXXX | XXXX |  | 455867 | Property Type | Single Family Detached | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX |  | 455867 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXX | XXXX | XXXX |  | 455867 | Contract Sales Price |  | XXXX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXX | XXXX | XXXX |  | 455867 | Investor: Qualifying Total Debt Ratio | XXXX |  | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX |  | 455867 | Guideline Name |  | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | 455867 | Subject Debt Service Coverage Ratio | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | 556270 | Original Term |  | 360 | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX |  | 556270 | Amortization Term |  | 360 | Verified | Unable to verify due to missing information |
| XXXX | XXXX | XXXX |  | 556270 | Original Interest Rate | XXXX | XXXX | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX |  | 556270 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXX | XXXX | XXXX |  | 556270 | Property Type | Condo (Low Rise) | Condo (High Rise) | Verified | Unable to verify due to missing information |
| XXXX | XXXX | XXXX |  | 556270 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXX | XXXX | XXXX |  | 556270 | Contract Sales Price |  | XXXX | Verified | Unable to verify due to missing information |
| XXXX | XXXX | XXXX |  | 556270 | Guideline Name |  | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | 697386 | Original Term |  | 360 | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX |  | 697386 | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
| XXXX | XXXX | XXXX |  | 697386 | Amortization Type |  | Fixed | Verified | Unable to verify due to missing information |
| XXXX | XXXX | XXXX |  | 697386 | Interest Only Period |  | 120 | Verified | Unable to verify due to missing information |
| XXXX | XXXX | XXXX |  | 697386 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXX | XXXX | XXXX |  | 697386 | Contract Sales Price |  | XXXX | Verified | Unable to verify due to missing information |
| XXXX | XXXX | XXXX |  | 697386 | Guideline Name |  | XXXX | Verified | Unable to verify due to missing information |
| XXXX | XXXX | XXXX |  | 697386 | Subject Debt Service Coverage Ratio | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | 138363 | Original Term |  | 360 | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX |  | 138363 | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
| XXXX | XXXX | XXXX |  | 138363 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXX | XXXX | XXXX |  | 138363 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXX | XXXX | XXXX |  | 138363 | Contract Sales Price |  | XXXX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXX | XXXX | XXXX |  | 138363 | Guideline Name |  | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | 138363 | Subject Debt Service Coverage Ratio | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | 468710 | Original Term |  | 360 | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX |  | 468710 | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
| XXXX | XXXX | XXXX |  | 468710 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXX | XXXX | XXXX |  | 468710 | Interest Only Period |  | 120 | Verified | Field Value reflects 'Interest Only Period' per the Note |
| XXXX | XXXX | XXXX |  | 468710 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXX | XXXX | XXXX |  | 468710 | Guideline Name |  | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | 641237 | Original Term |  | 360 | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX |  | 641237 | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
| XXXX | XXXX | XXXX |  | 641237 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXX | XXXX | XXXX |  | 641237 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXX | XXXX | XXXX |  | 641237 | Contract Sales Price |  | XXXX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXX | XXXX | XXXX |  | 641237 | Guideline Name |  | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | 401921 | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX |  | 401921 | Original Term |  | 360 | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX |  | 401921 | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
| XXXX | XXXX | XXXX |  | 401921 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXX | XXXX | XXXX |  | 401921 | Property Type | Condo (Low Rise) | Condo (High Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX |  | 401921 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXX | XXXX | XXXX |  | 401921 | Appraised Value | XXXX | XXXX | Verified | Field Value captured from Valuation model in file |
| XXXX | XXXX | XXXX |  | 401921 | Contract Sales Price |  | XXXX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXX | XXXX | XXXX |  | 401921 | Guideline Name |  | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | 401921 | Subject Debt Service Coverage Ratio | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | 294173 | Original Term |  | 360 | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX |  | 294173 | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
| XXXX | XXXX | XXXX |  | 294173 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXX | XXXX | XXXX |  | 294173 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXX | XXXX | XXXX |  | 294173 | Contract Sales Price |  | XXXX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXX | XXXX | XXXX |  | 294173 | Guideline Name |  | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | 294173 | Subject Debt Service Coverage Ratio | XXXX | XXXX | Verified | Due to rounding. |
| XXXX | XXXX | XXXX |  | 747028 | First Payment Date | XXXX | XXXX | Verified | Field Value reflects First Payment Date per the Note |
| XXXX | XXXX | XXXX |  | 747028 | Original Term |  | 360 | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX |  | 747028 | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
| XXXX | XXXX | XXXX |  | 747028 | Maturity Date | XXXX | XXXX | Verified | Field Value reflects Maturity Date per the Note |
| XXXX | XXXX | XXXX |  | 747028 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXX | XXXX | XXXX |  | 747028 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXX | XXXX | XXXX |  | 747028 | Contract Sales Price |  | XXXX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXX | XXXX | XXXX |  | 747028 | Guideline Name |  | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | 747028 | Subject Debt Service Coverage Ratio | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | 627262 | Original Term |  | 360 | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX |  | 627262 | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
| XXXX | XXXX | XXXX |  | 627262 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXX | XXXX | XXXX |  | 627262 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXX | XXXX | XXXX |  | 627262 | Contract Sales Price |  | XXXX | Verified | Refinance transaction, found on the fraud report. |
| XXXX | XXXX | XXXX |  | 627262 | Guideline Name |  | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | 748097 | Original Term |  | 360 | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX |  | 748097 | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
| XXXX | XXXX | XXXX |  | 748097 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXX | XXXX | XXXX |  | 748097 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXX | XXXX | XXXX |  | 748097 | Contract Sales Price |  | XXXX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXX | XXXX | XXXX |  | 748097 | Guideline Name |  | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | 748097 | Subject Debt Service Coverage Ratio | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | 877120 | Original Term |  | 360 | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX |  | 877120 | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
| XXXX | XXXX | XXXX |  | 877120 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXX | XXXX | XXXX |  | 877120 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXX | XXXX | XXXX |  | 877120 | Contract Sales Price |  | XXXX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXX | XXXX | XXXX |  | 877120 | Guideline Name |  | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | 877120 | Subject Debt Service Coverage Ratio | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | 838077 | Original Term |  | 360 | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX |  | 838077 | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
| XXXX | XXXX | XXXX |  | 838077 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXX | XXXX | XXXX |  | 838077 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXX | XXXX | XXXX |  | 838077 | Guideline Name |  | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | 257235 | Original Term |  | 360 | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX |  | 257235 | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
| XXXX | XXXX | XXXX |  | 257235 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXX | XXXX | XXXX |  | 257235 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXX | XXXX | XXXX |  | 257235 | Guideline Name |  | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | 257235 | Subject Debt Service Coverage Ratio | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | 138209 | Original Term |  | 360 | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX |  | 138209 | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
| XXXX | XXXX | XXXX |  | 138209 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXX | XXXX | XXXX |  | 138209 | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX |  | 138209 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXX | XXXX | XXXX |  | 138209 | Contract Sales Price |  | XXXX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXX | XXXX | XXXX |  | 138209 | Guideline Name |  | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | 138209 | Subject Debt Service Coverage Ratio | XXXX | XXXX | Verified | Lender used a ratio of 1.29 per the Ratio Calculator. The difference is due to the lender used the lease amount of $2,350 to qualify when the market rents are lower at $1,700. |
| XXXX | XXXX | XXXX |  | 388580 | Original Term |  | 360 | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX |  | 388580 | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
| XXXX | XXXX | XXXX |  | 388580 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXX | XXXX | XXXX |  | 388580 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXX | XXXX | XXXX |  | 388580 | Contract Sales Price |  | XXXX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXX | XXXX | XXXX |  | 388580 | Guideline Name |  | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | 388580 | Subject Debt Service Coverage Ratio | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | 602526 | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX |  | 602526 | Original Term |  | 360 | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX |  | 602526 | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
| XXXX | XXXX | XXXX |  | 602526 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXX | XXXX | XXXX |  | 602526 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXX | XXXX | XXXX |  | 602526 | Contract Sales Price |  | XXXX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXX | XXXX | XXXX |  | 602526 | Guideline Name |  | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | 602526 | Subject Debt Service Coverage Ratio | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | 598446 | Original Term |  | 360 | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX |  | 598446 | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
| XXXX | XXXX | XXXX |  | 598446 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXX | XXXX | XXXX |  | 598446 | Lien Position |  | 1 | Verified | Unable to verify due to missing information |
| XXXX | XXXX | XXXX |  | 598446 | Contract Sales Price |  | XXXX | Verified | Unable to verify due to missing information |
| XXXX | XXXX | XXXX |  | 598446 | Guideline Name |  | XXXX | Verified | Unable to verify due to missing information |
| XXXX | XXXX | XXXX |  | 937351 | Original Term |  | 360 | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX |  | 937351 | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
| XXXX | XXXX | XXXX |  | 937351 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXX | XXXX | XXXX |  | 937351 | Property Type | Single Family Detached | 4 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX |  | 937351 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXX | XXXX | XXXX |  | 937351 | Contract Sales Price |  | XXXX | Verified | Found on the fraud report. |
| XXXX | XXXX | XXXX |  | 937351 | Guideline Name |  | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | 937351 | Subject Debt Service Coverage Ratio | XXXX | XXXX | Verified | Missing Appraisal Report to confirm market rents. |
| XXXX | XXXX | XXXX |  | 731667 | Original Term |  | 360 | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX |  | 731667 | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
| XXXX | XXXX | XXXX |  | 731667 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXX | XXXX | XXXX |  | 731667 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXX | XXXX | XXXX |  | 731667 | Contract Sales Price |  | XXXX | Verified | Refinance transaction, found on the fraud report. |
| XXXX | XXXX | XXXX |  | 731667 | Guideline Name |  | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | 297000 | First Payment Date | XXXX | XXXX | Verified | Field Value reflects First Payment Date per the Note |
| XXXX | XXXX | XXXX |  | 297000 | Original Term |  | 360 | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX |  | 297000 | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
| XXXX | XXXX | XXXX |  | 297000 | Maturity Date | XXXX | XXXX | Verified | Field Value reflects Maturity Date per the Note |
| XXXX | XXXX | XXXX |  | 297000 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXX | XXXX | XXXX |  | 297000 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXX | XXXX | XXXX |  | 297000 | Appraised Value | XXXX | XXXX | Verified | Field Value captured from Valuation model in file |
| XXXX | XXXX | XXXX |  | 297000 | Contract Sales Price |  | XXXX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXX | XXXX | XXXX |  | 297000 | Guideline Name |  | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | 884383 | Original Term |  | 360 | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX |  | 884383 | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
| XXXX | XXXX | XXXX |  | 884383 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXX | XXXX | XXXX |  | 884383 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXX | XXXX | XXXX |  | 884383 | Contract Sales Price |  | XXXX | Verified | Refinance transaction, found on fraud report. |
| XXXX | XXXX | XXXX |  | 884383 | Guideline Name |  | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | 884383 | Subject Debt Service Coverage Ratio | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | 181506 | Original Term |  | 360 | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX |  | 181506 | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
| XXXX | XXXX | XXXX |  | 181506 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXX | XXXX | XXXX |  | 181506 | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX |  | 181506 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXX | XXXX | XXXX |  | 181506 | Contract Sales Price |  | XXXX | Verified | Found on the fraud report. |
| XXXX | XXXX | XXXX |  | 181506 | Guideline Name |  | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | 871116 | Original Term |  | 360 | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX |  | 871116 | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
| XXXX | XXXX | XXXX |  | 871116 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXX | XXXX | XXXX |  | 871116 | Representative FICO | XXXX | XXXX | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XXXX | XXXX | XXXX |  | 871116 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXX | XXXX | XXXX |  | 871116 | Contract Sales Price |  | XXXX | Verified | Refinance transaction, found on the fraud report. |
| XXXX | XXXX | XXXX |  | 871116 | Guideline Name |  | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | 510918 | Original Term |  | 360 | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX |  | 510918 | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
| XXXX | XXXX | XXXX |  | 510918 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXX | XXXX | XXXX |  | 510918 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXX | XXXX | XXXX |  | 510918 | Guideline Name |  | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | 140982 | Original Term |  | 360 | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX |  | 140982 | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
| XXXX | XXXX | XXXX |  | 140982 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXX | XXXX | XXXX |  | 140982 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXX | XXXX | XXXX |  | 140982 | Contract Sales Price |  | XXXX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXX | XXXX | XXXX |  | 140982 | Guideline Name |  | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | 140982 | Subject Debt Service Coverage Ratio | XXXX | XXXX | Verified | Unable to determine the reason for the difference due to the file does not contain the Lender's Ratio Calculation. |
| XXXX | XXXX | XXXX |  | 828058 | Original Term |  | 360 | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX |  | 828058 | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
| XXXX | XXXX | XXXX |  | 828058 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXX | XXXX | XXXX |  | 828058 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXX | XXXX | XXXX |  | 828058 | Contract Sales Price |  | XXXX | Verified | Refinance transaction, found on the fraud report. |
| XXXX | XXXX | XXXX |  | 828058 | Guideline Name |  | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | 828058 | Subject Debt Service Coverage Ratio | XXXX | XXXX | Verified | Field Value matches the Approval Value. |
| XXXX | XXXX | XXXX |  | 821611 | Original Term |  | 360 | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX |  | 821611 | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
| XXXX | XXXX | XXXX |  | 821611 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXX | XXXX | XXXX |  | 821611 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXX | XXXX | XXXX |  | 821611 | Contract Sales Price |  | XXXX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXX | XXXX | XXXX |  | 821611 | Guideline Name |  | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | 821611 | Subject Debt Service Coverage Ratio | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | 793723 | Original Term |  | 360 | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX |  | 793723 | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
| XXXX | XXXX | XXXX |  | 793723 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXX | XXXX | XXXX |  | 793723 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXX | XXXX | XXXX |  | 793723 | Contract Sales Price |  | XXXX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXX | XXXX | XXXX |  | 793723 | Guideline Name |  | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | 956124 | Original Term |  | 360 | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX |  | 956124 | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
| XXXX | XXXX | XXXX |  | 956124 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXX | XXXX | XXXX |  | 956124 | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX |  | 956124 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXX | XXXX | XXXX |  | 956124 | Guideline Name |  | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | 956124 | Subject Debt Service Coverage Ratio | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | 907854 | City | XXXX | XXXX | Verified | Field Value reflects City per Note |
| XXXX | XXXX | XXXX |  | 907854 | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX |  | 907854 | Original Term |  | 360 | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX |  | 907854 | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
| XXXX | XXXX | XXXX |  | 907854 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXX | XXXX | XXXX |  | 907854 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXX | XXXX | XXXX |  | 907854 | Contract Sales Price |  | XXXX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXX | XXXX | XXXX |  | 907854 | Guideline Name |  | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | 907854 | Subject Debt Service Coverage Ratio | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | 396831 | Original Term |  | 360 | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX |  | 396831 | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
| XXXX | XXXX | XXXX |  | 396831 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXX | XXXX | XXXX |  | 396831 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXX | XXXX | XXXX |  | 396831 | Contract Sales Price |  | XXXX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXX | XXXX | XXXX |  | 396831 | Guideline Name |  | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | 396831 | Subject Debt Service Coverage Ratio | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | 802118 | Original Term |  | 360 | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX |  | 802118 | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
| XXXX | XXXX | XXXX |  | 802118 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXX | XXXX | XXXX |  | 802118 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXX | XXXX | XXXX |  | 802118 | Guideline Name |  | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | 802118 | Subject Debt Service Coverage Ratio | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | 534430 | Original Term |  | 360 | Verified | Unable to verify due to missing information |
| XXXX | XXXX | XXXX |  | 534430 | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
| XXXX | XXXX | XXXX |  | 534430 | Amortization Type |  | Fixed | Verified | Unable to verify due to missing information |
| XXXX | XXXX | XXXX |  | 534430 | Lien Position |  | 1 | Verified | Unable to verify due to missing information |
| XXXX | XXXX | XXXX |  | 534430 | Contract Sales Price |  | XXXX | Verified | Unable to verify due to missing information |
| XXXX | XXXX | XXXX |  | 534430 | Guideline Name |  | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | 534430 | Subject Debt Service Coverage Ratio | XXXX | XXXX | Verified | Unable to verify due to missing information |
| XXXX | XXXX | XXXX |  | 844190 | Original Term |  | 360 | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX |  | 844190 | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
| XXXX | XXXX | XXXX |  | 844190 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXX | XXXX | XXXX |  | 844190 | Interest Only Period |  | 120 | Verified | Field Value reflects 'Interest Only Period' per the Note |
| XXXX | XXXX | XXXX |  | 844190 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXX | XXXX | XXXX |  | 844190 | Contract Sales Price |  | XXXX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXX | XXXX | XXXX |  | 844190 | Guideline Name |  | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | 844190 | Subject Debt Service Coverage Ratio | XXXX | XXXX | Verified | Due to rounding. |
| XXXX | XXXX | XXXX |  | 518333 | Original Term |  | 360 | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX |  | 518333 | Amortization Term |  | 360 | Verified | Unable to verify due to missing information |
| XXXX | XXXX | XXXX |  | 518333 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXX | XXXX | XXXX |  | 518333 | Lien Position |  | 1 | Verified | Unable to verify due to missing information |
| XXXX | XXXX | XXXX |  | 518333 | Contract Sales Price |  | XXXX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXX | XXXX | XXXX |  | 518333 | Guideline Name |  | XXXX | Verified | Unable to verify due to missing information |
| XXXX | XXXX | XXXX |  | 518333 | Subject Debt Service Coverage Ratio | XXXX | XXXX | Verified | Due to rounding. |
| XXXX | XXXX | XXXX |  | 176009 | Original Term |  | 360 | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX |  | 176009 | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
| XXXX | XXXX | XXXX |  | 176009 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXX | XXXX | XXXX |  | 176009 | Property Type | Single Family Detached | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX |  | 176009 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXX | XXXX | XXXX |  | 176009 | Contract Sales Price |  | XXXX | Verified | Refinance transaction, found on the fraud report. |
| XXXX | XXXX | XXXX |  | 176009 | Guideline Name |  | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | 176009 | Subject Debt Service Coverage Ratio | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | 199473 | Original Term |  | 360 | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX |  | 199473 | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
| XXXX | XXXX | XXXX |  | 199473 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXX | XXXX | XXXX |  | 199473 | Property Type | Single Family Detached | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX |  | 199473 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXX | XXXX | XXXX |  | 199473 | Guideline Name |  | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | 599860 | Original Term |  | 360 | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX |  | 599860 | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
| XXXX | XXXX | XXXX |  | 599860 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXX | XXXX | XXXX |  | 599860 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXX | XXXX | XXXX |  | 599860 | Contract Sales Price |  | XXXX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXX | XXXX | XXXX |  | 599860 | Guideline Name |  | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | 599860 | Subject Debt Service Coverage Ratio | XXXX | XXXX | Verified | The lender used higher PITI than verified. |
| XXXX | XXXX | XXXX |  | 443159 | Original Term |  | 360 | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX |  | 443159 | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
| XXXX | XXXX | XXXX |  | 443159 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXX | XXXX | XXXX |  | 443159 | Property Type | Condo (Low Rise) | Condo (High Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX |  | 443159 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXX | XXXX | XXXX |  | 443159 | Contract Sales Price |  | XXXX | Verified | Refinance transaction, found on the fraud report. |
| XXXX | XXXX | XXXX |  | 443159 | Guideline Name |  | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | 903027 | Original Term |  | 360 | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX |  | 903027 | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
| XXXX | XXXX | XXXX |  | 903027 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXX | XXXX | XXXX |  | 903027 | Property Type | Single Family Detached | 3 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX |  | 903027 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXX | XXXX | XXXX |  | 903027 | Guideline Name |  | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | 399070 | Original Term |  | 360 | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX |  | 399070 | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
| XXXX | XXXX | XXXX |  | 399070 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXX | XXXX | XXXX |  | 399070 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXX | XXXX | XXXX |  | 399070 | Contract Sales Price |  | XXXX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXX | XXXX | XXXX |  | 399070 | Guideline Name |  | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | 768466 | Original Term |  | 360 | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX |  | 768466 | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
| XXXX | XXXX | XXXX |  | 768466 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXX | XXXX | XXXX |  | 768466 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXX | XXXX | XXXX |  | 768466 | Contract Sales Price |  | XXXX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXX | XXXX | XXXX |  | 768466 | Guideline Name |  | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | 768466 | Subject Debt Service Coverage Ratio | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | 364452 | Original Term |  | 360 | Verified | Unable to verify due to missing information |
| XXXX | XXXX | XXXX |  | 364452 | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
| XXXX | XXXX | XXXX |  | 364452 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXX | XXXX | XXXX |  | 364452 | Property Type | Single Family Detached | PUD | Verified | Unable to verify due to missing information |
| XXXX | XXXX | XXXX |  | 364452 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXX | XXXX | XXXX |  | 364452 | Contract Sales Price |  | XXXX | Verified | Unable to verify due to missing information |
| XXXX | XXXX | XXXX |  | 364452 | Guideline Name |  | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | 364452 | Subject Debt Service Coverage Ratio | XXXX | XXXX | Verified | Unable to verify due to missing information |
| XXXX | XXXX | XXXX |  | 734570 | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX |  | 734570 | Original Term |  | 360 | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX |  | 734570 | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
| XXXX | XXXX | XXXX |  | 734570 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXX | XXXX | XXXX |  | 734570 | Property Type | Single Family Detached | Single Family Attached | Verified | Unable to verify due to missing information |
| XXXX | XXXX | XXXX |  | 734570 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXX | XXXX | XXXX |  | 734570 | Contract Sales Price |  | XXXX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXX | XXXX | XXXX |  | 734570 | Investor: Qualifying Total Debt Ratio | XXXX |  | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX |  | 734570 | Guideline Name |  | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | 734570 | Subject Debt Service Coverage Ratio | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | 288766 | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX |  | 288766 | Original Term |  | 360 | Verified | Unable to verify due to missing information |
| XXXX | XXXX | XXXX |  | 288766 | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
| XXXX | XXXX | XXXX |  | 288766 | Amortization Type |  | Fixed | Verified | Unable to verify due to missing information |
| XXXX | XXXX | XXXX |  | 288766 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXX | XXXX | XXXX |  | 288766 | Contract Sales Price |  | XXXX | Verified | Unable to verify due to missing information |
| XXXX | XXXX | XXXX |  | 288766 | Guideline Name |  | XXXX | Verified | Unable to verify due to missing information |
| XXXX | XXXX | XXXX |  | 760383 | Original Term |  | 360 | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX |  | 760383 | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
| XXXX | XXXX | XXXX |  | 760383 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXX | XXXX | XXXX |  | 760383 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXX | XXXX | XXXX |  | 760383 | Guideline Name |  | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | 760383 | Subject Debt Service Coverage Ratio | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | 904197 | Original Term |  | 360 | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX |  | 904197 | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
| XXXX | XXXX | XXXX |  | 904197 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXX | XXXX | XXXX |  | 904197 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXX | XXXX | XXXX |  | 904197 | Contract Sales Price |  | XXXX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXX | XXXX | XXXX |  | 904197 | Guideline Name |  | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | 904197 | Subject Debt Service Coverage Ratio | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | 933152 | Original Term |  | 360 | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX |  | 933152 | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
| XXXX | XXXX | XXXX |  | 933152 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXX | XXXX | XXXX |  | 933152 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXX | XXXX | XXXX |  | 933152 | Appraised Value | XXXX | XXXX | Verified | Field Value captured from Valuation model in file |
| XXXX | XXXX | XXXX |  | 933152 | Guideline Name |  | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | 638985 | Original Term |  | 360 | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX |  | 638985 | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
| XXXX | XXXX | XXXX |  | 638985 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXX | XXXX | XXXX |  | 638985 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXX | XXXX | XXXX |  | 638985 | Contract Sales Price |  | XXXX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXX | XXXX | XXXX |  | 638985 | Guideline Name |  | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | 905091 | Original Term |  | 360 | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX |  | 905091 | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
| XXXX | XXXX | XXXX |  | 905091 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXX | XXXX | XXXX |  | 905091 | Property Type | Single Family Detached | 4 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX |  | 905091 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXX | XXXX | XXXX |  | 905091 | Guideline Name |  | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | 905091 | Subject Debt Service Coverage Ratio | XXXX | XXXX | Verified | Lender used a slightly higher PITIA than verified. |
| XXXX | XXXX | XXXX |  | 518033 | Original Term |  | 360 | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX |  | 518033 | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
| XXXX | XXXX | XXXX |  | 518033 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXX | XXXX | XXXX |  | 518033 | Property Type | Single Family Detached | 3 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX |  | 518033 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXX | XXXX | XXXX |  | 518033 | Guideline Name |  | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | 518033 | Subject Debt Service Coverage Ratio | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | 742723 | Original Term |  | 360 | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX |  | 742723 | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
| XXXX | XXXX | XXXX |  | 742723 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXX | XXXX | XXXX |  | 742723 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXX | XXXX | XXXX |  | 742723 | Guideline Name |  | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | 834476 | Original Term |  | 360 | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX |  | 834476 | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
| XXXX | XXXX | XXXX |  | 834476 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXX | XXXX | XXXX |  | 834476 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXX | XXXX | XXXX |  | 834476 | Contract Sales Price |  | XXXX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXX | XXXX | XXXX |  | 834476 | Guideline Name |  | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | 834476 | Subject Debt Service Coverage Ratio | XXXX | XXXX | Verified | Due to rounding. |
| XXXX | XXXX | XXXX |  | 481369 | Original Term |  | 360 | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX |  | 481369 | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
| XXXX | XXXX | XXXX |  | 481369 | Amortization Type |  | Fixed | Verified | Tape Value reflects Amortization Type per Modification |
| XXXX | XXXX | XXXX |  | 481369 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXX | XXXX | XXXX |  | 481369 | Contract Sales Price |  | XXXX | Verified | Refinance transaction, found on the fraud report. |
| XXXX | XXXX | XXXX |  | 481369 | Guideline Name |  | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | 175595 | Original Term |  | 360 | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX |  | 175595 | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
| XXXX | XXXX | XXXX |  | 175595 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXX | XXXX | XXXX |  | 175595 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXX | XXXX | XXXX |  | 175595 | Contract Sales Price |  | XXXX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXX | XXXX | XXXX |  | 175595 | Guideline Name |  | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | 175595 | Subject Debt Service Coverage Ratio | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | 824003 | Original Term |  | 360 | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX |  | 824003 | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
| XXXX | XXXX | XXXX |  | 824003 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXX | XXXX | XXXX |  | 824003 | Interest Only Period |  | 120 | Verified | Field Value reflects 'Interest Only Period' per the Note |
| XXXX | XXXX | XXXX |  | 824003 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXX | XXXX | XXXX |  | 824003 | Contract Sales Price |  | XXXX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXX | XXXX | XXXX |  | 824003 | Guideline Name |  | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | 824003 | Subject Debt Service Coverage Ratio | XXXX | XXXX | Verified | Due to rounding. |
| XXXX | XXXX | XXXX |  | 669956 | Original Term |  | 360 | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX |  | 669956 | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
| XXXX | XXXX | XXXX |  | 669956 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXX | XXXX | XXXX |  | 669956 | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX |  | 669956 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXX | XXXX | XXXX |  | 669956 | Contract Sales Price |  | XXXX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXX | XXXX | XXXX |  | 669956 | Guideline Name |  | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | 574773 | Original Term |  | 360 | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX |  | 574773 | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
| XXXX | XXXX | XXXX |  | 574773 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXX | XXXX | XXXX |  | 574773 | Property Type | Single Family Detached | 4 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX |  | 574773 | Interest Only Period |  | 120 | Verified | Field Value reflects 'Interest Only Period' per the Note |
| XXXX | XXXX | XXXX |  | 574773 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXX | XXXX | XXXX |  | 574773 | Appraised Value | XXXX | XXXX | Verified | Field Value captured from Valuation model in file |
| XXXX | XXXX | XXXX |  | 574773 | Guideline Name |  | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | 220954 | Original Term |  | 360 | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX |  | 220954 | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
| XXXX | XXXX | XXXX |  | 220954 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXX | XXXX | XXXX |  | 220954 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXX | XXXX | XXXX |  | 220954 | Appraised Value | XXXX | XXXX | Verified | Field Value captured from Valuation model in file |
| XXXX | XXXX | XXXX |  | 220954 | Contract Sales Price |  | XXXX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXX | XXXX | XXXX |  | 220954 | Guideline Name |  | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | 264146 | Original Term |  | 360 | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX |  | 264146 | Amortization Term |  | 360 | Verified | Unable to verify due to missing information |
| XXXX | XXXX | XXXX |  | 264146 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXX | XXXX | XXXX |  | 264146 | Property Type | PUD | PUD Attached | Verified | Unable to verify due to missing information |
| XXXX | XXXX | XXXX |  | 264146 | Lien Position |  | 1 | Verified | Unable to verify due to missing information |
| XXXX | XXXX | XXXX |  | 264146 | Guideline Name |  | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | 369410 | Original Term |  | 360 | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX |  | 369410 | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
| XXXX | XXXX | XXXX |  | 369410 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXX | XXXX | XXXX |  | 369410 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXX | XXXX | XXXX |  | 369410 | Contract Sales Price |  | XXXX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXX | XXXX | XXXX |  | 369410 | Guideline Name |  | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | 961300 | Original Term |  | 360 | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX |  | 961300 | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
| XXXX | XXXX | XXXX |  | 961300 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXX | XXXX | XXXX |  | 961300 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXX | XXXX | XXXX |  | 961300 | Guideline Name |  | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | 961300 | Subject Debt Service Coverage Ratio | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | 350339 | Original Term |  | 360 | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX |  | 350339 | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
| XXXX | XXXX | XXXX |  | 350339 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXX | XXXX | XXXX |  | 350339 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXX | XXXX | XXXX |  | 350339 | Contract Sales Price |  | XXXX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXX | XXXX | XXXX |  | 350339 | Guideline Name |  | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | 350339 | Subject Debt Service Coverage Ratio | XXXX | XXXX | Verified | Lower value is due to lender did not include the full taxes in the lender's ratio. |
| XXXX | XXXX | XXXX |  | 157827 | Original Term |  | 360 | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX |  | 157827 | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
| XXXX | XXXX | XXXX |  | 157827 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXX | XXXX | XXXX |  | 157827 | Property Type | Single Family Detached | 3 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX |  | 157827 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXX | XXXX | XXXX |  | 157827 | Guideline Name |  | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | 157827 | Subject Debt Service Coverage Ratio | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | 279226 | Original Term |  | 360 | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX |  | 279226 | Amortization Term |  | 360 | Verified | Tape Value reflects Amortization Term per Modification |
| XXXX | XXXX | XXXX |  | 279226 | Amortization Type |  | Fixed | Verified | Unable to verify due to missing information |
| XXXX | XXXX | XXXX |  | 279226 | Lien Position |  | 1 | Verified | Unable to verify due to missing information |
| XXXX | XXXX | XXXX |  | 279226 | Contract Sales Price |  | XXXX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXX | XXXX | XXXX |  | 279226 | Guideline Name |  | XXXX | Verified | Unable to verify due to missing information |
| XXXX | XXXX | XXXX |  | 482358 | Original Term |  | 360 | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX |  | 482358 | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
| XXXX | XXXX | XXXX |  | 482358 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXX | XXXX | XXXX |  | 482358 | Interest Only Period |  | 120 | Verified | Field Value reflects 'Interest Only Period' per the Note |
| XXXX | XXXX | XXXX |  | 482358 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXX | XXXX | XXXX |  | 482358 | Contract Sales Price |  | XXXX | Verified | Purchase price found on the fraud report. |
| XXXX | XXXX | XXXX |  | 482358 | Guideline Name |  | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | 482358 | Subject Debt Service Coverage Ratio | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | 988079 | Original Term |  | 360 | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX |  | 988079 | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
| XXXX | XXXX | XXXX |  | 988079 | Amortization Type |  | Fixed | Verified | Unable to verify due to missing information |
| XXXX | XXXX | XXXX |  | 988079 | Lien Position |  | 1 | Verified | Unable to verify due to missing information |
| XXXX | XXXX | XXXX |  | 988079 | Contract Sales Price |  | XXXX | Verified | Sales price found on the fraud report. |
| XXXX | XXXX | XXXX |  | 988079 | Guideline Name |  | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | 755454 | Original Term |  | 360 | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX |  | 755454 | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
| XXXX | XXXX | XXXX |  | 755454 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXX | XXXX | XXXX |  | 755454 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXX | XXXX | XXXX |  | 755454 | Contract Sales Price |  | XXXX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXX | XXXX | XXXX |  | 755454 | Guideline Name |  | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | 755454 | Subject Debt Service Coverage Ratio | XXXX | XXXX | Verified | Field Value matches the lender's DSCR Worksheet. |
| XXXX | XXXX | XXXX |  | 494252 | Original Term |  | 360 | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX |  | 494252 | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
| XXXX | XXXX | XXXX |  | 494252 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXX | XXXX | XXXX |  | 494252 | Property Type | Single Family Detached | Single Family Attached | Verified | Unable to verify due to missing information |
| XXXX | XXXX | XXXX |  | 494252 | Lien Position |  | 1 | Verified | Unable to verify due to missing information |
| XXXX | XXXX | XXXX |  | 494252 | Contract Sales Price |  | XXXX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXX | XXXX | XXXX |  | 494252 | Guideline Name |  | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | 447039 | Original Term |  | 360 | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX |  | 447039 | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
| XXXX | XXXX | XXXX |  | 447039 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXX | XXXX | XXXX |  | 447039 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXX | XXXX | XXXX |  | 447039 | Contract Sales Price |  | XXXX | Verified | Found on the fraud report. |
| XXXX | XXXX | XXXX |  | 447039 | Guideline Name |  | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | 519288 | Original Term |  | 360 | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX |  | 519288 | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
| XXXX | XXXX | XXXX |  | 519288 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXX | XXXX | XXXX |  | 519288 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXX | XXXX | XXXX |  | 519288 | Guideline Name |  | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | 482723 | Original Term |  | 360 | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX |  | 482723 | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
| XXXX | XXXX | XXXX |  | 482723 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXX | XXXX | XXXX |  | 482723 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXX | XXXX | XXXX |  | 482723 | Contract Sales Price |  | XXXX | Verified | Unable to verify due to missing information |
| XXXX | XXXX | XXXX |  | 482723 | Guideline Name |  | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | 482723 | Subject Debt Service Coverage Ratio | XXXX | XXXX | Verified | Due to missing required documents. |
| XXXX | XXXX | XXXX |  | 636687 | Original Term |  | 360 | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX |  | 636687 | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
| XXXX | XXXX | XXXX |  | 636687 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXX | XXXX | XXXX |  | 636687 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXX | XXXX | XXXX |  | 636687 | Contract Sales Price |  | XXXX | Verified | Purchase price found on the fraud report. |
| XXXX | XXXX | XXXX |  | 636687 | Guideline Name |  | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | 102431 | Original Term |  | 360 | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX |  | 102431 | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
| XXXX | XXXX | XXXX |  | 102431 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXX | XXXX | XXXX |  | 102431 | Property Type | Single Family Detached | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX |  | 102431 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXX | XXXX | XXXX |  | 102431 | Contract Sales Price |  | XXXX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXX | XXXX | XXXX |  | 102431 | Guideline Name |  | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | 175896 | Original Term |  | 360 | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX |  | 175896 | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
| XXXX | XXXX | XXXX |  | 175896 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXX | XXXX | XXXX |  | 175896 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXX | XXXX | XXXX |  | 175896 | Guideline Name |  | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | 724733 | Original Term |  | 360 | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX |  | 724733 | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
| XXXX | XXXX | XXXX |  | 724733 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXX | XXXX | XXXX |  | 724733 | Property Type | Single Family Detached | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX |  | 724733 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXX | XXXX | XXXX |  | 724733 | Contract Sales Price |  | XXXX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXX | XXXX | XXXX |  | 724733 | Guideline Name |  | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | 724733 | Subject Debt Service Coverage Ratio | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | 904027 | Subject Debt Service Coverage Ratio | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | 288478 | Property Type | Single Family Detached | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX |  | 288478 | Subject Debt Service Coverage Ratio | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | 706141 | Original Term |  | 360 | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX |  | 706141 | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
| XXXX | XXXX | XXXX |  | 706141 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXX | XXXX | XXXX |  | 706141 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXX | XXXX | XXXX |  | 706141 | Guideline Name |  | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | 924972 | Original Term |  | 360 | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX |  | 924972 | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
| XXXX | XXXX | XXXX |  | 924972 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXX | XXXX | XXXX |  | 924972 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXX | XXXX | XXXX |  | 924972 | Contract Sales Price |  | XXXX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXX | XXXX | XXXX |  | 924972 | Guideline Name |  | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | 813884 | Borrower First Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX |  | 813884 | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX |  | 813884 | Coborrower First Name | XXXX | XXXX | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX |  | 813884 | Coborrower Last Name | XXXX | XXXX | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX |  | 785716 | City | XXXX | XXXX | Verified | Field Value reflects City per Note |
| XXXX | XXXX | XXXX |  | 785716 | Borrower First Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX |  | 785716 | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX |  | 785716 | Note Date | XXXX | XXXX | Verified | Field Value reflects Note Date per the Note |
| XXXX | XXXX | XXXX |  | 785716 | Original Interest Rate | XXXX | XXXX | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX |  | 785716 | Original P&I | XXXX | XXXX | Verified | Field Value reflects Note value |
| XXXX | XXXX | XXXX |  | 785716 | Contract Sales Price |  | XXXX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXX | XXXX | XXXX |  | 785716 | Subject Debt Service Coverage Ratio | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | 815187 | Borrower First Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX |  | 815187 | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX |  | 815187 | Borrower SSN | XXXX | XXXX | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX |  | 815187 | Coborrower First Name | XXXX | XXXX | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX |  | 815187 | Coborrower Last Name | XXXX | XXXX | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX |  | 815187 | Coborrower SSN | XXXX | XXXX | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX |  | 815187 | Property Type | Single Family | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX |  | 815187 | Borrower FTHB | 0 |  | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| XXXX | XXXX | XXXX |  | 815187 | Coborrower FTHB |  | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| XXXX | XXXX | XXXX |  | 815187 | Subject Debt Service Coverage Ratio | XXXX | XXXX | Verified | Due to rounding. |
| XXXX | XXXX | XXXX |  | 832770 | Borrower First Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX |  | 832770 | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX |  | 832770 | Contract Sales Price |  | XXXX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXX | XXXX | XXXX |  | 924476 | Borrower First Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX |  | 924476 | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX |  | 221686 | Subject Debt Service Coverage Ratio | XXXX | XXXX | Verified | Due to rounding. |
| XXXX | XXXX | XXXX |  | 278404 | Property Type | Single Family | 4 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX |  | 278404 | Subject Debt Service Coverage Ratio | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | 859402 | Borrower First Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX |  | 859402 | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX |  | 859402 | Subject Debt Service Coverage Ratio | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | 972210 | Contract Sales Price |  | XXXX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXX | XXXX | XXXX |  | 893203 | Borrower First Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX |  | 893203 | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX |  | 893203 | Representative FICO | XXXX | XXXX | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XXXX | XXXX | XXXX |  | 893203 | Property Type | Single Family | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX |  | 893203 | Subject Debt Service Coverage Ratio | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | 867010 | Borrower First Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX |  | 867010 | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX |  | 308695 | Borrower First Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX |  | 308695 | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX |  | 308695 | Property Type | Single Family | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX |  | 580743 | Borrower First Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX |  | 580743 | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX |  | 129738 | Borrower First Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX |  | 129738 | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX |  | 129738 | Contract Sales Price |  | XXXX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXX | XXXX | XXXX |  | 995431 | Note Date | XXXX | XXXX | Verified | Field Value reflects Note Date per the Note |
| XXXX | XXXX | XXXX |  | 995431 | Property Type | Single Family | 2 Family | Verified | Unable to verify due to missing information |
| XXXX | XXXX | XXXX |  | 995431 | Contract Sales Price |  | XXXX | Verified | Unable to verify due to missing information |
| XXXX | XXXX | XXXX |  | 536729 | Borrower First Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX |  | 536729 | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX |  | 536729 | Property Type | Single Family | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX |  | 536729 | Subject Debt Service Coverage Ratio | XXXX | XXXX | Verified | Due to rounding. |
| XXXX | XXXX | XXXX |  | 530486 | Contract Sales Price |  | XXXX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXX | XXXX | XXXX |  | 530486 | Subject Debt Service Coverage Ratio | XXXX | XXXX | Verified | Due to rounding. |
| XXXX | XXXX | XXXX |  | 183349 | Contract Sales Price |  | XXXX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXX | XXXX | XXXX |  | 183349 | Subject Debt Service Coverage Ratio | XXXX | XXXX | Verified | Lender used higher market rents instead of lower lease rents. |
| XXXX | XXXX | XXXX |  | 987554 | Contract Sales Price |  | XXXX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXX | XXXX | XXXX |  | 124890 | Borrower First Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX |  | 124890 | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX |  | 470369 | Street | XXXX | XXXX | Verified | Field Value reflects Street per Note |
| XXXX | XXXX | XXXX |  | 470369 | Subject Debt Service Coverage Ratio | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | 929696 | Property Type | Single Family | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX |  | 929696 | Contract Sales Price |  | XXXX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXX | XXXX | XXXX |  | 929696 | Subject Debt Service Coverage Ratio | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | 477163 | Original Term |  | 360 | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX |  | 477163 | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
| XXXX | XXXX | XXXX |  | 477163 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXX | XXXX | XXXX |  | 477163 | Property Type | Single Family Detached | 3 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX |  | 477163 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXX | XXXX | XXXX |  | 477163 | Guideline Name |  | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | 477163 | Subject Debt Service Coverage Ratio | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | 494956 | Original Term |  | 360 | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX |  | 494956 | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
| XXXX | XXXX | XXXX |  | 494956 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXX | XXXX | XXXX |  | 494956 | Property Type | Single Family Detached | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX |  | 494956 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXX | XXXX | XXXX |  | 494956 | Contract Sales Price |  | XXXX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXX | XXXX | XXXX |  | 494956 | Guideline Name |  | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | 494956 | Subject Debt Service Coverage Ratio | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | 417559 | Original Term |  | 360 | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX |  | 417559 | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
| XXXX | XXXX | XXXX |  | 417559 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXX | XXXX | XXXX |  | 417559 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXX | XXXX | XXXX |  | 417559 | Guideline Name |  | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | 417559 | Subject Debt Service Coverage Ratio | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | 733768 | Borrower First Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX |  | 733768 | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX |  | 733768 | Contract Sales Price |  | XXXX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXX | XXXX | XXXX |  | 303182 | Subject Debt Service Coverage Ratio | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | 991681 | Borrower First Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX |  | 991681 | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX |  | 907296 | Subject Debt Service Coverage Ratio | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | 935300 | Borrower First Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX |  | 935300 | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX |  | 935300 | Contract Sales Price |  | XXXX | Verified | Per the fraud report. |
| XXXX | XXXX | XXXX |  | 935300 | Subject Debt Service Coverage Ratio | XXXX | XXXX | Verified | Field Value matches the DSCR Calculation worksheet. |
| XXXX | XXXX | XXXX |  | 382783 | Borrower First Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX |  | 382783 | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX |  | 382783 | Coborrower First Name | XXXX | XXXX | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX |  | 382783 | Coborrower Last Name | XXXX | XXXX | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX |  | 382783 | Property Type | Single Family | 3 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX |  | 382783 | Contract Sales Price |  | XXXX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXX | XXXX | XXXX |  | 382783 | Subject Debt Service Coverage Ratio | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | 407726 | Contract Sales Price |  | XXXX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXX | XXXX | XXXX |  | 407726 | Subject Debt Service Coverage Ratio | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | 866742 | Borrower First Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX |  | 866742 | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX |  | 866742 | Property Type | Single Family | 4 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX |  | 866742 | Subject Debt Service Coverage Ratio | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | 595983 | Contract Sales Price |  | XXXX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXX | XXXX | XXXX |  | 595983 | Subject Debt Service Coverage Ratio | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | 321622 | Contract Sales Price |  | XXXX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXX | XXXX | XXXX |  | 321622 | Subject Debt Service Coverage Ratio | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | 487406 | Property Type | Single Family | 3 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX |  | 487406 | Contract Sales Price |  | XXXX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXX | XXXX | XXXX |  | 487406 | Subject Debt Service Coverage Ratio | XXXX | XXXX | Verified | Due to rounding. |
| XXXX | XXXX | XXXX |  | 709771 | Contract Sales Price | XXXX | XXXX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXX | XXXX | XXXX |  | 202369 | Borrower First Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX |  | 202369 | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX |  | 202369 | Subject Debt Service Coverage Ratio | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | 798860 | Borrower First Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX |  | 798860 | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX |  | 798860 | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX |  | 713303 | Borrower First Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX |  | 713303 | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX |  | 713303 | Property Type | Single Family | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX |  | 713303 | Contract Sales Price |  | XXXX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXX | XXXX | XXXX |  | 118017 | Borrower First Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX |  | 118017 | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX |  | 118017 | Property Type | Single Family | 3 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX |  | 118017 | Contract Sales Price |  | XXXX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXX | XXXX | XXXX |  | 118017 | Subject Debt Service Coverage Ratio | XXXX | XXXX | Verified | Due to rounding. |
| XXXX | XXXX | XXXX |  | 414966 | Subject Debt Service Coverage Ratio | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | 285607 | Property Type | Single Family | 4 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX |  | 285607 | Contract Sales Price |  | XXXX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXX | XXXX | XXXX |  | 285607 | Subject Debt Service Coverage Ratio | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | 748129 | Contract Sales Price |  | XXXX | Verified | Found on the property profile. |
| XXXX | XXXX | XXXX |  | 748129 | Subject Debt Service Coverage Ratio | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | 751442 | Subject Debt Service Coverage Ratio | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | 817325 | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX |  | 817325 | Property Type | Condo | Single Family Detached | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX |  | 889995 | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX |  | 889995 | Property Type | Condo | Single Family Detached | Verified | Field Value captured from Appraisal or Valuation model in file |

---

## Exhibit 99.6

![](situsamc_logo.jpg)

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Level Exception - Final Grades** | **Loan Level Exception - Final Grades** | **Loan Level Exception - Final Grades** | **Loan Level Exception - Final Grades** | **Loan Level Exception - Final Grades** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Edgar ID** | **Borrower Name** | **Deal Number** | **Original Loan Amount** | **State** | **Note Date** | **Occupancy** | **Purpose** | **QM Status** | **Overall Grade** | **Credit Grade** | **Credit Exceptions** | **Credit Exception Information** | **Credit Exception Comments** | **Property Grade** | **Property Exceptions** | **Property Exception Information** | **Property Exception Comments** | **Compliance Grade** | **Compliance Exceptions** | **Compliance Exception Information** | **Compliance Exception Comments** | **Compliance Comp Factors** | **Compensating Factors** | **Subject to High Cost - Unable to Test** | **Disposition 2** |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 470659 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary/XX/XX/XXXX)<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Secondary/XX/XX/XXXX) |  | SELLER - GENERAL COMMENT (2024-10-31): Comment from XXXXXXXXXXXXXXXXXXXXXX: delivery email<br> REVIEWER - GENERAL COMMENT (2024-11-03): Missing for report datedXX/XX/XXXX.<br> SELLER - GENERAL COMMENT (2024-11-05): Comment from XXXXXXXXXXXXXXXXXXXXXX: signed at closing - signature acknowledges either receipt of each valuation report 3 or more business days prior to closing or waived the right.<br> REVIEWER - GENERAL COMMENT (2024-11-05): Document provided cannot be used for appraisal delivery timing. Additionally, timing waivers cannot be signed at closing. Please provide electronic verification of delivery to borrower. | Federal Compliance - ECOA Appraisal - Appraisal Not<br> Provided at or Before Closing (3-Day Waiver In File):<br> There is generally no Assignee Liability. |  |  | - A B |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 753720 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 543430 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 2 | 2 | [2] Document Error - The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - B A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 369808 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 825025 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Non QM | 2 | 2 | [2] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: PITIA reserves months discrepancy.: Calculated PITIA months reserves of 4.48 is less than Guideline PITIA months reserves of 6.00. | Calculated PITIA months reserves of 4.48 is less than Guideline PITIA months reserves of 6.00. | BUYER - GENERAL COMMENT (2025-09-08): Lease agreements uploaded to 34278971<br> REVIEWER - GENERAL COMMENT (2025-09-10): Guidelines require 6 months of PITIA reserves, 1008 is sowing assets amount of $69,090. Please provide additional assets to meet the reserve requirement. Exception Remains.<br> BUYER - GENERAL COMMENT (2025-09-12): Exception approval for reserves<br> REVIEWER - GENERAL COMMENT (2025-09-17): A Post close lender exception was provided from Arc for allowing 4 months reserves when guidelines require 6 months reserves. Missing lender exception from Cross Country.<br> BUYER - GENERAL COMMENT (2025-09-25): lender exception uploaded<br> REVIEWER - WAIVED COMMENT (2025-09-25): Lender exceptions in file. | 1 |  |  |  | 1 |  |  |  |  | Borrower has verified disposable income of at least $2500.00.<br>Borrower's monthly mortgage payment has decreased by at least 20%.<br>The refinance has decreased the borrower's monthly debt payments by<br> 20% or more.<br>The representative FICO score exceeds the guideline minimum by at least<br> 40 points. |  | - B A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 848324 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 2 | 2 | [2] Miscellaneous - Credit Exception: | 12 months cancelled checks provided for rental history<br> without VOR or lease, lender exception in file. | REVIEWER - WAIVED COMMENT (2025-10-20): A post<br> close lender exception was provided. | 1 |  |  |  | 1 |  |  |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 892090 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 710714 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 223911 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Second Home | Purchase | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 | [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $65.00 exceeds tolerance of $30.00. Sufficient or excess cure was provided to the borrower at Closing. (7520)<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Fee. Fee Amount of $210.00 exceeds tolerance of $154.00. Sufficient or excess cure was provided to the borrower at Closing. (75208) |  | REVIEWER - CURED COMMENT (2025-10-16): Sufficient<br> Cure Provided At Closing<br> REVIEWER - CURED COMMENT (2025-10-16): Sufficient<br> Cure Provided At Closing |  |  |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 180679 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 381182 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 | [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $250.00 exceeds tolerance of $200.00. Sufficient or excess cure was provided to the borrower at Closing. (75103)<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $615.00 exceeds tolerance of $600.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  | REVIEWER - CURED COMMENT (2025-09-26): Sufficient Cure Provided At Closing<br> REVIEWER - CURED COMMENT (2025-09-26): Sufficient Cure Provided At Closing |  |  |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 218333 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 620076 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 708509 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 | [1] Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $135.00 exceeds tolerance of $102.00 plus 10% or $112.20. Sufficient or excess cure was provided to the borrower at Closing. (0)<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $600.00 exceeds tolerance of $550.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  | REVIEWER - CURED COMMENT (2025-09-30): Sufficient Cure Provided At Closing<br> REVIEWER - CURED COMMENT (2025-09-30): Sufficient Cure Provided At Closing |  |  |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 880651 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 566685 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 906628 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 816268 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Second Home | Purchase | Safe Harbor QM (APOR) | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $324.00 exceeds tolerance of $291.00. $33.00 over legal limit. Insufficient or no cure was provided to the borrower. (7520)<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $125.00 exceeds tolerance of $0.00. $125.00 over legal limit. Insufficient or no cure was provided to the borrower. (75103) | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: The Credit Report Fee increased from $291.00 on the initial Loan Estimate to $324.00 without a valid change of circumstance. Please note: there is a cure provided on the Closing Disclosure of $32.90; however, the cure is not sufficient to cover both fee violations.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: The Appraisal Re-Inspection Fee increased from $0.00 on the initial Loan Estimate to $125.00 without a valid change of circumstance. The fee was added to the Closing Disclosure dated XX/XX/XXXX; however, the original appraisal report was received by XX/XX/XXXX, which the fee should have been disclosed at that time. | BUYER - GENERAL COMMENT (2025-10-23): see attached PCCD docs<br> REVIEWER - CURED COMMENT (2025-10-27): Situsamc Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br> BUYER - GENERAL COMMENT (2025-10-15): see attached LOX<br> REVIEWER - GENERAL COMMENT (2025-10-16): SitusAMC Appraisal report is dated XX/XX/XXXX and Appraisal re-inspection fee is added on CD dated XX/XX/XXXX which is not within 3 days. In order to determine if the changed circumstance is valid more information require 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 - GENERAL COMMENT (2025-10-23): see attached PCCD docs<br> BUYER - GENERAL COMMENT (2025-10-24): Please update to 24 month bank statement. 1008 with correct loan program uploaded.<br> REVIEWER - CURED COMMENT (2025-10-27): Situsamc Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - A B |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 467924 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 701569 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 687424 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 | [1] Federal Compliance - TRID Zero Percent Tolerance<br> Violation With Sufficient Cure Provided At Closing:<br> TILA-RESPA Integrated Disclosure: Zero Percent Fee<br> Tolerance exceeded for Appraisal Fee. Fee Amount of<br> $825.00 exceeds tolerance of $800.00. Sufficient or<br> excess cure was provided to the borrower at Closing. (7506) |  | REVIEWER - CURED COMMENT (2025-10-02): Sufficient Cure Provided At Closing |  |  |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 152997 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Purchase | Higher Priced QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 461258 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 | [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $265.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing.<br> (7507) |  | REVIEWER - CURED COMMENT (2025-10-02): Sufficient Cure Provided At Closing |  |  |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 969810 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Purchase | Higher Priced QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 528307 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 2 | 2 | [2] Miscellaneous - Credit Exception: | Lender exception for master insurance with per unit special property coverage deductibles equal to 14% of the property coverage limit is approved contingent on the project meeting all other non-warrantable condo guidelines. Approval in file. | REVIEWER - WAIVED COMMENT (2025-10-03): The client elects to waive. | 1 |  |  |  | 1 |  |  |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 913069 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Second Home | Purchase | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 552214 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Safe Harbor QM (APOR) | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $195.00 exceeds tolerance of $0.00. $195.00 over legal limit. Insufficient or no cure was provided to the borrower. (75103) | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: The Appraisal Re-Inspection Fee increased from $0.00 on the initial Loan Estimate to $195.00 without a valid change of circumstance (COC). The file contains a COC; however, the COC is datedXX/XX/XXXXand the appraisal showing Subject To was provided on XX/XX/XXXX. The COC is dated more than 3 business days from the receipt of the change. | BUYER - GENERAL COMMENT (2025-10-10): pccd, lox, check, and mailing<br> REVIEWER - CURED COMMENT (2025-10-13): SitusAMC received PCCD, LOE, proof of mailing & copy of refund check. | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - A B |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 159397 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 193067 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 785551 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Purchase | Higher Priced QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 761362 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 502608 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 | [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Flood Certification (Life Of Loan). Fee Amount of $10.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (7579)<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Abstract / Title Search. Fee Amount of $233.00 exceeds tolerance of $170.00. Sufficient or excess cure was provided to the borrower at Closing. (75178) | Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: Flood Certification (Life Of Loan) Fee was last disclosed as $0.00 on Loan Estimate but disclosed as $10.00 on Final Closing Disclosure dated XX/XX/XXXX File does not contain a valid COC for this fee, nor evidence of cure in file.<br> Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: Title - Abstract / Title Search Fee was last disclosed as $170.00 on Loan Estimate but disclosed as $233.00 on Final Closing Disclosure dated XX/XX/XXXX File does not contain a valid COC for this fee, nor evidence of cure in file. | REVIEWER - CURED COMMENT (2025-10-06): Sufficient Cure Provided At Closing<br> REVIEWER - CURED COMMENT (2025-10-06): Sufficient Cure Provided At Closing |  |  |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 237135 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 859517 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 173752 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 220352 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of $90.00 exceeds tolerance of $0.00. $90.00 over legal limit. Insufficient or no cure was provided to the borrower. (75106) | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: The CDA Fee increased from $0.00 on the initial Loan Estimate to $90.00 without a valid change of circumstance. Please note: the file does contain a COC; however, the COC did not provide the reason for the CDA being added. | BUYER - GENERAL COMMENT (2025-10-13): 8/25 COC<br> REVIEWER - GENERAL COMMENT (2025-10-14): SitusAMC received Changed Circumstance dated XX/XX/XXXXbut it does not give sufficient information on why the CDA fee was added. In order to determine if the changed circumstance is valid more information is necessary on reason fee added 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 - GENERAL COMMENT (2025-10-16): docs uploaded<br> REVIEWER - CURED COMMENT (2025-10-18): SitusAMC received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - A B |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 938766 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Safe Harbor QM (APOR) | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of $92.70 exceeds tolerance of $0.00. $92.70 over legal limit. Insufficient or no cure was provided to the borrower. (75106) | Federal Compliance - TRID Zero Percent Tolerance<br> Violation Without Sufficient Cure Provided: The CDA<br> Fee increased from $0.00 on the initial LE to $92.70<br> without a valid change of circumstance. | BUYER - GENERAL COMMENT (2025-10-15): DOCS UPLOADED<br> REVIEWER - GENERAL COMMENT (2025-10-16): SitusAMC: The COC that was provided in the trailing images was also provided in the original loan package. but it does not give sufficient information on why the CDA fee was added. In order to determine if the changed circumstance is valid more information is necessary on reason for the fee added 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 - GENERAL COMMENT (2025-10-17): XXXX SSR 4.2 therefore a CDA was required<br> REVIEWER - GENERAL COMMENT (2025-10-19): SitusAMC Received COC dated XX/XX/XXXX stating underwriter requested CDA report; however, required evidence when underwriter requested for CDA in order to verify fee charged within timeline.<br> BUYER - GENERAL COMMENT (2025-10-27): support docs uploaded<br> REVIEWER - GENERAL COMMENT (2025-10-29): SitusAMC received support docs and UW conditioned on XX/XX/XXXX. However, Appraisal and SSR report with provided disclosure completed on XX/XX/XXXX, but the CDA fee was not added until XX/XX/XXXX. This is outside of the required three-day timeline for notification of borrower. Cure is required.<br> BUYER - GENERAL COMMENT (2025-11-02): lender cured via prin reduction<br> BUYER - GENERAL COMMENT (2025-11-02): prin reduction lox<br> REVIEWER - CURED COMMENT (2025-11-04): SitusAMC Received Corrected LOE and Payment history. | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - A B |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 760478 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 943914 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - TRID Final Closing Disclosure Amount Financed Test: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXXdisclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $XXX,XXX is over disclosed by $313.65 compared to the calculated Amount Financed of $XXX,XXX and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated XX/XX/XXXX). (Final/XX/XX/XXXX)<br> [2] Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXXdisclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $XXX,XXXis under disclosed by $313.65 compared to the calculated Finance Charge of $XXX,XXXwhich exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XXXX). (Final/XX/XX/XXXX) | Federal Compliance - TRID Final Closing Disclosure Amount Financed Test: The file contains the appraisal invoice that breakdowns the Management Fee of $313.65. It appears the Lender did not include the AMC fee in the amount financed.<br> Federal Compliance - TRID Final Closing Disclosure Finance Charge: The file contains the appraisal invoice that breakdowns the Management Fee of $313.65. It appears the Lender did not include the AMC fee in the finance charge. | BUYER - GENERAL COMMENT (2025-10-29): docs uploaded<br> REVIEWER - CURED COMMENT (2025-10-30): SitusAMC received Letter of Explanation, Proof of Delivery, Refund check & Corrected CD<br> BUYER - GENERAL COMMENT (2025-10-29): docs uploaded<br> REVIEWER - CURED COMMENT (2025-10-30): SitusAMC received Letter of Explanation, Proof of Delivery, Refund check & Corrected CD | Federal Compliance - TRID Final Closing Disclosure Amount Financed Test: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - A B |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 231814 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other | N/A | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 875912 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 290070 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - Self-Employed Tax Return XXXXXXX- QM: General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XXXX, Most Recent Tax Return End Date XX/XX/XXXX, Tax Return Due Date XX/XX/XXXX. (XXXXXXXXXXXXXXXXXXXX/S-Corp)<br> [2] Federal Compliance - Self-Employed Tax Return XXXXXXX- QM: General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XXXX, Most Recent Tax Return End Date XX/XX/XXXX, Tax Return Due Date XX/XX/XXXX. (XXXXXXXXXXXXXXXXXXXX/S-Corp)<br> [2] Federal Compliance - Self-Employed Tax Return XXXXXXX- QM: General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XXXX, Most Recent Tax Return End Date XX/XX/XXXX, Tax Return Due Date XX/XX/XXXX. (XXXXXXXXXXXXXXXXXXXX/S-Corp) |  | BUYER - GENERAL COMMENT (2025-10-09): Accepted as is: Tax returns in file for XXXX. Tax extension automatically granted in CA until XX/XX/XXXXdue to wildfire relief.<br> REVIEWER - WAIVED COMMENT (2025-10-14): Client accepts as is.<br> BUYER - GENERAL COMMENT (2025-10-09): Accepted as is: Tax returns in file forXXXX. Tax extension automatically granted in CA until XX/XX/XXXXdue to wildfire relief.<br> REVIEWER - WAIVED COMMENT (2025-10-14): Client accepts as is.<br> BUYER - GENERAL COMMENT (2025-10-09): Accepted as is: Tax returns in file for XXXX. Tax extension automatically granted in CA until XX/XX/XXXXdue to wildfire relief.<br> REVIEWER - WAIVED COMMENT (2025-10-14): Client accepts as is. |  |  |  | - A B |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 960118 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 504010 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 315290 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 | [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $47.49 exceeds tolerance of $46.00. Sufficient or excess cure was provided to the borrower at Closing. (8304) |  | REVIEWER - CURED COMMENT (2025-10-08): Sufficient Cure Provided At Closing |  |  |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 630377 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 356086 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 347094 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 | [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of $123.60 exceeds tolerance of $120.00. Sufficient or excess cure was provided to the borrower at Closing. (75106) |  | REVIEWER - CURED COMMENT (2025-10-09): Sufficient Cure Provided At Closing |  |  |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 205563 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Purchase | Higher Priced QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 214202 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 914956 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Second Home | Refinance Cash-out - Other | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 862912 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 988973 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 797347 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Purchase | Higher Priced QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 578856 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 857558 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 2 | 2 | [2] Miscellaneous - Credit Exception: | Lender approved exception at origination to allow 1099 income to be used for qualifying when the 1099 is issued in the borrower's business name instead of the borrower's individual name. | REVIEWER - WAIVED COMMENT (2025-10-13): Lender exception in file. | 1 |  |  |  | 1 |  |  |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 972604 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 843460 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 655280 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 892083 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 222132 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 561858 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 838385 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 2 | 2 | [2] Credit Calculation / Analysis - Guideline Requirement: Representative FICO score discrepancy.: Representative FICO score of XXX is less than Guideline representative FICO score of 720. | Per Arc's overlay, the most restrictive of Arc or the seller's guides must be utilized. Minimum credit score for XXX on XX% LTV is 720. | BUYER - GENERAL COMMENT (2025-10-24): exception<br> REVIEWER - WAIVED COMMENT (2025-10-29): A post close lender exception was provided. | 1 |  |  |  | 1 |  |  |  |  | Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. |  | - B A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 332402 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 | [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of $240.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (75106) |  | REVIEWER - CURED COMMENT (2025-10-13): Sufficient Cure Provided At Closing |  |  |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 336554 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 213012 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Second Home | Refinance Rate/Term | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 728664 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 382558 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $3,609.75 exceeds tolerance of $3,279.00 plus 10% or $3,606.90. $2.85 over legal limit. Insufficient or no cure was provided to the borrower. (0) | Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: Ten Percent Fee Tolerance exceeded. Total amount of $3,609.75 exceeds tolerance of $3,279.00 plus 10% or $3,606.90. $2.85 over legal limit. Insufficient or no cure was provided to the borrower. | BUYER - GENERAL COMMENT (2025-10-16): Title settlement fee should have unlimited tolerance as the borrower shopped for it and was listed in Section C.<br> REVIEWER - GENERAL COMMENT (2025-10-17): SitusAMC received rebuttal comment and title fees were disclosed in Section C which are tested at no tolerance. However, provider listed on SSPL is XXXXXXXXXXXXXXXXX. Fees on CD were paid to XXXXXXXXXXXXXXXXXe. Appears borrower cannot be shopped for title fees. Hence, the fees ate tested under 10% tolerance. Valid COC for the fee increased or Cure would be due to borrower.<br> BUYER - GENERAL COMMENT (2025-11-06): Cure docs<br> REVIEWER - CURED COMMENT (2025-11-07): SitusAMC received Corrected PCCD, Letter of Explanation, Proof of Delivery and Copy of Refund Check resulting in a cured the exception. |  |  |  | - A B |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 882204 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other | N/A | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 555110 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 388987 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Second Home | Purchase | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 338255 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Second Home | Purchase | Safe Harbor QM (APOR) | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $5,359.90 exceeds tolerance of $1,906.00. $3,453.90 over legal limit. Insufficient or no cure was provided to the borrower. (8304) | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: There was no cure was provided to the borrower and the file did not contain a valid COC for the addition of the fee. | REVIEWER - GENERAL COMMENT (2025-10-22): SitusAMC must test the CD as presented. If there are corrections to be made to individual fees the CD should represent the fee amount along with an accurate payor and payee.<br> BUYER - GENERAL COMMENT (2025-10-22): DOCS UPLOADED<br> REVIEWER - GENERAL COMMENT (2025-10-23): SitusAMC received Changed Circumstance dated XX/XX/XXXX, but it does not give sufficient information on why the fee was increased. In order to determine if the changed circumstance is valid more information is necessary on reason fee increased and when lender became aware of the change. A valid COC or cure is required. Cure documents consist of PCCD, LOE, proof of mailing and copy of refund check.<br> BUYER - GENERAL COMMENT (2025-11-06): See docs provided<br> REVIEWER - CURED COMMENT (2025-11-10): SitusAMC received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - A B |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 114668 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 434488 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 689485 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 207916 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Second Home | Purchase | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 100911 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 263871 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 561656 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Safe Harbor QM (APOR) | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - Self-Employed Tax Return XXXXXXX- QM: General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XXXX, Most Recent Tax Return End Date XX/XX/XXXX, Tax Return Due Date XX/XX/XXXX. (XXXXXXX/Schedule C) |  | REVIEWER - WAIVED COMMENT (2025-10-22): Client accepts as is. |  |  |  | - A B |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 117040 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 309126 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 128041 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 347611 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 574414 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 | [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $258.91 exceeds tolerance of $225.00. Sufficient or excess cure was provided to the borrower at Closing. (7520) |  | REVIEWER - CURED COMMENT (2025-10-16): Sufficient Cure Provided At Closing |  |  |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 896351 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 | [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Field Review Fee. Fee Amount of $50.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (7508) |  | REVIEWER - CURED COMMENT (2025-10-16): Sufficient Cure Provided At Closing |  |  |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 234054 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 2 | 2 | [2] Miscellaneous - Credit Exception: | Lender Exception approved to use a separate personal account for last 2 years bonuses paid directly to borrower by one of her clients, while also using her business bank statements for her standard monthly calculation. | REVIEWER - WAIVED COMMENT (2025-10-17): Lender exception in file. | 1 |  |  |  | 1 |  |  |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 120366 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 717558 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 983635 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $196.50 exceeds tolerance of $175.00. $21.50 over legal limit. Insufficient or no cure was provided to the borrower. (7520) | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $196.50 exceeds tolerance of $175.00. $21.50 over legal limit. No valid changed circumstance was provided. No cure was provided to the Borrower. | BUYER - GENERAL COMMENT (2025-10-22): cure docs uploaded<br> REVIEWER - CURED COMMENT (2025-10-23): SitusAMC received LOE, proof of mailing & copy of refund check. | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - A B |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 287072 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 700966 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 | [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $80.00 exceeds tolerance of $70.00. Sufficient or excess cure was provided to the borrower at Closing. (7520) |  | REVIEWER - CURED COMMENT (2025-10-16): Sufficient Cure Provided At Closing |  |  |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 371315 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Higher Priced QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 168004 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 584132 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Purchase | Higher Priced QM (APOR) | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $275.00 exceeds tolerance of $233.00 plus 10% or $256.30. $18.70 over legal limit. Insufficient or no cure was provided to the borrower. (0) | Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: The Recording Fee increased from $233.00 on the initial Loan Estimate to $275.00 without a valid change of circumstance. | BUYER - GENERAL COMMENT (2025-10-22): docs uploaded<br> REVIEWER - GENERAL COMMENT (2025-10-23): SItusAMC received COC datedXX/XX but the reason provided for increase in recording fee is not provided on COC. Please provide information as to what changed circumstance occurred (as defined under 1026.19(e)(4)(A)-(F) that resulted in an increase in closing costs or provide cure.<br> Cure requirements include LOE, corrected CD, proof of mailing and copy of refund check.<br> BUYER - GENERAL COMMENT (2025-10-31): Property Taxes increased from $XXX to $XXX<br> REVIEWER - GENERAL COMMENT (2025-11-04): SitusAMC received rebuttal comment and changed circumstance indicating loan amount and sale price changed. It is unclear how the mortgage amounts, sale price and property taxes increased impacted the recording fees as the fees are typically a flat fee and a per page charge. Additional information on how the loan amount increase impacted recording or a cure is required.<br> BUYER - GENERAL COMMENT (2025-11-05): Docs uploaded<br> REVIEWER - GENERAL COMMENT (2025-11-06): Situsamc Received COC and CD datedXX/XX already present in file. As stated earlier, loan amount and sales price cannot impact recording fee. In order to determine if the changed circumstance is valid more information is necessary on reason 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 - GENERAL COMMENT (2025-11-12): see attached PCCD with cure and LOX<br> REVIEWER - GENERAL COMMENT (2025-11-12): Situsamc Received Corrected PCCD and LOE; however, copy of check not received. Provide Copy of check.<br> BUYER - GENERAL COMMENT (2025-11-17): Check<br> REVIEWER - CURED COMMENT (2025-11-18): Situsamc Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. |  |  |  | - A B |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 429347 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 952221 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Safe Harbor QM (APOR) | 2 | 2 | [2] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: PITIA reserves months discrepancy.: Calculated PITIA months reserves of 12.93 is less than Guideline PITIA months reserves of 13.00. | Calculated PITIA months reserves of 12.93 is less than Guideline PITIA months reserves of 13.00. Insufficient documented reserves. | BUYER - GENERAL COMMENT (2025-11-04): lender dispute<br> REVIEWER - GENERAL COMMENT (2025-11-17): 13 months reserves required per guidelines, 12.93 months verified, exception remains.<br> BUYER - GENERAL COMMENT (2025-11-20): exception<br> BUYER - GENERAL COMMENT (2025-11-20): exception provided<br> REVIEWER - WAIVED COMMENT (2025-11-24): Post close lender exception provided. | 1 |  |  |  | 1 |  |  |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 579046 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 467344 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Higher Priced QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 294360 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 870612 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 2 | 2 | [2] Miscellaneous - Credit Exception: | Lender exception approved for use of actual cash value for roof coverage on hazard insurance. | REVIEWER - WAIVED COMMENT (2025-10-20): Lender exception in file. | 1 |  |  |  | 1 |  |  |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 866818 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Second Home | Purchase | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 828635 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 | [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $90.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (75104) |  | REVIEWER - CURED COMMENT (2025-10-17): Sufficient Cure Provided At Closing |  |  |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 274346 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 567844 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 | [1] Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $422.00 exceeds tolerance of $377.00 plus 10% or $414.70. Sufficient or excess cure was provided to the borrower at Closing. (0) |  | REVIEWER - CURED COMMENT (2025-10-20): Sufficient Cure Provided At Closing |  |  |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 498366 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Higher Priced QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 954124 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 485932 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 897074 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 625294 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 382887 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 2 | 2 | [2] Miscellaneous - Credit Exception: | Lender exception approved for conflict of interest with broker, real estate agent, and escrow company being the same. | REVIEWER - WAIVED COMMENT (2025-10-02): The client elects to waive. | 1 |  |  |  | 1 |  |  |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. |  | - B A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 267395 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 377354 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 | [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,310.00 exceeds tolerance of $1,300.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  | REVIEWER - CURED COMMENT (2025-10-21): Sufficient Cure Provided At Closing |  |  |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 906865 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Non QM | 2 | 2 | [2] Miscellaneous - Credit Exception: | Lender exception for property with 23.79 acres. Approval in file. | REVIEWER - WAIVED COMMENT (2025-10-23): Lender exception in file. | 1 |  |  |  | 1 |  |  |  |  | Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 106573 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Second Home | Refinance Cash-out - Other | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 841885 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 636674 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 | [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $875.00 exceeds tolerance of $600.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  | REVIEWER - CURED COMMENT (2025-10-21): Sufficient Cure Provided At Closing |  |  |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 155284 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 509803 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 | [1] Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $2,059.00 exceeds tolerance of $1,815.00 plus 10% or $1,996.50. Sufficient or excess cure was provided to the borrower at Closing. (0)<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Document Preparation Fee. Fee Amount of $200.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (7522) |  | REVIEWER - CURED COMMENT (2025-10-21): Sufficient Cure Provided At Closing<br> REVIEWER - CURED COMMENT (2025-10-21): Sufficient Cure Provided At Closing |  |  |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 192322 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 | [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $900.00 exceeds tolerance of $725.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  | REVIEWER - CURED COMMENT (2025-10-21): Sufficient Cure Provided At Closing |  |  |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 485714 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 353837 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 323546 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 146981 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Purchase | Higher Priced QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 407543 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 193915 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 581264 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 | [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $750.00 exceeds tolerance of $700.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  | REVIEWER - CURED COMMENT (2025-10-24): Sufficient Cure Provided At Closing |  |  |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 803142 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 749788 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Purchase | Higher Priced QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 846793 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Second Home | Purchase | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 175841 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 196819 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 391399 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 | [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $863.50 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower. (8304) |  | REVIEWER - CURED COMMENT (2025-10-24): Sufficient Cure Provided within 60 Days of Closing |  |  |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 502880 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 986111 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 | [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $973.50 exceeds tolerance of $902.00. Sufficient or excess cure was provided to the borrower at Closing. (8304) |  | REVIEWER - CURED COMMENT (2025-10-27): Sufficient Cure Provided At Closing |  |  |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 797875 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Higher Priced QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 147479 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 826588 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Second Home | Refinance Rate/Term | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 620080 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 2 | 2 | [2] Miscellaneous - Credit Exception: | Lender exception approved for condo unit less than 500 square feet. | REVIEWER - WAIVED COMMENT (2025-10-29): Lender exception in file. | 1 |  |  |  | 1 | [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $266.46 exceeds tolerance of $225.00. Sufficient or excess cure was provided to the borrower at Closing. (7520) |  | REVIEWER - CURED COMMENT (2025-10-27): Sufficient Cure Provided At Closing |  | Borrower has verified disposable income of at least $2500.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 132978 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 882686 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 | [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Attorney Review Fee. Fee Amount of $225.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (7588) |  | REVIEWER - CURED COMMENT (2025-10-29): Sufficient Cure Provided At Closing |  |  |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 770812 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 827990 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 635363 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 356342 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 517680 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 853491 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Second Home | Purchase | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 | [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $750.00 exceeds tolerance of $630.00. Sufficient or excess cure was provided to the borrower at Closing. (7506)<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Administration Fee. Fee Amount of $1,945.00 exceeds tolerance of $1,845.00. Sufficient or excess cure was provided to the borrower at Closing. (7355) |  | REVIEWER - CURED COMMENT (2025-10-30): Sufficient Cure Provided At Closing<br> REVIEWER - CURED COMMENT (2025-10-30): Sufficient Cure Provided At Closing |  |  |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 473923 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 294757 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 | [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of $211.15 exceeds tolerance of $200.00. Sufficient or excess cure was provided to the borrower at Closing. (75106) | Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: Sufficient cure provided at closing | REVIEWER - CURED COMMENT (2025-11-19): Sufficient Cure Provided At Closing |  |  |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 426991 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Safe Harbor QM (APOR) | 2 | 2 | [2] Miscellaneous - Credit Exception: | Borrower has been self-employed for less than 24 months and does not have the required 3 years experience in same line of work, lender exception in file. | REVIEWER - WAIVED COMMENT (2025-11-05): Lender exception in file. | 1 |  |  |  | 1 |  |  |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 239637 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 914796 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 273864 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 905239 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 192489 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 724978 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 289051 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 2 | 2 | [2] Guideline Issue - Program Guidelines require the<br> borrower has been in business for a minimum of 2<br> years. | Lender approved exception at origination to allow self-employment with less than 2 years, where a minimum requirement of 18 months is required; however, borrower only has 17 months. | REVIEWER - WAIVED COMMENT (2025-10-09): Lender exception in file. | 1 |  |  |  | 1 |  |  |  |  | Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. |  | - B A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 976251 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Safe Harbor QM (APOR) | 2 | 2 | [2] Miscellaneous - Credit Exception: | Using salary income at borrower's primary job with only 9 months at current location, lender exception in file. | REVIEWER - WAIVED COMMENT (2025-10-10): Lender exception in file. | 1 |  |  |  | 1 | [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for HOA/Condo Questionnaire. Fee Amount of $576.95 exceeds tolerance of $450.00. Sufficient or excess cure was provided to the borrower at Closing. (75215) |  | REVIEWER - CURED COMMENT (2025-10-10): Sufficient Cure Provided At Closing |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 120534 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 2 | 2 | [2] Miscellaneous - Credit Exception: | 8 months reserves required, 6 months verified. Lender exception in file. | REVIEWER - WAIVED COMMENT (2025-10-14): Lender exception in file. | 1 |  |  |  | 1 |  |  |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 942996 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 | [1] Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $223.00 exceeds tolerance of $196.00 plus 10% or $215.60. Sufficient or excess cure was provided to the borrower at Closing. (0) |  | REVIEWER - CURED COMMENT (2025-10-13): Sufficient Cure Provided At Closing |  |  |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 970987 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 144502 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 897820 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Second Home | Refinance Cash-out - Other | Higher Priced QM (APOR) | 2 | 2 | [2] Miscellaneous - Credit Exception: | Lender exception for Non-Warrantable Condo with incomplete repairs that are currently in progress of being completed contingent on MAX 70% LTV and updated assets in Borrower's TIAA account totaling 58 months. The most recent lender exception shows an incorrect loan amount and the loan closed at XX% LTV. Revised lender exception required. | SELLER - GENERAL COMMENT (2025-10-24): Attached the Revised Exception for the Loan Amount.<br> REVIEWER - WAIVED COMMENT (2025-10-28): Lender exception in file. | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Please accept as is. | BUYER - GENERAL COMMENT (2025-11-06):XX/X- Please clear - exception should clear with XXXXXXX- has been re-stated.<br> REVIEWER - WAIVED COMMENT (2025-12-16): The client reinstated the loan designation and accepts as is. | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. |  | - B A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 276850 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 803279 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 157709 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 223684 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 482097 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 662099 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 166369 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 942690 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 2 | 2 | [2] Miscellaneous - Credit Exception: | Lender Exception for transferred appraisal transfer letter contingent upon appraisal transfer letter from XXXto XXXX, transfer letter from XXXXX to XXXXX, and transfer letter from XXXXX to XXXXX must all be provided in the loan file. Approval in file. Transfer letters from XXXXX to XXXXX Lending, XXXXX Lending to XXXXX and XXXXX Lending to XXXXX were provided. Lender Correspondence in file requesting transfer letter from XXXXX to XXXXX in file. | SELLER - GENERAL COMMENT (2025-10-14): The Transfer letter from XXXXX to XXXXX can be found on page 1237 of XXXXX. Please Cancel.<br> REVIEWER - WAIVED COMMENT (2025-10-16): Lender exception in file. | 1 |  |  |  | 1 |  |  |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 608115 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 338655 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Safe Harbor QM (APOR) | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - TRID Final Closing Disclosure Non Escrow Costs Year 1 Underdisclosed - October 2018: TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year 1 of on Final Closing Disclosure provided on XX/XX/XXXX are underdisclosed. (Final/XX/XX/XXXX)<br> [1] Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $139.00 exceeds tolerance of $78.00 plus 10% or $85.80. Sufficient or excess cure was provided to the borrower at Closing. (0) | Federal Compliance - TRID Final Closing Disclosure Non Escrow Costs Year 1 Underdisclosed - October 2018: Non-Escrowed Estimated Taxes, Insurance & Assessments on page 1 of the CD is $0 and non-escrowed estimated Property Costs Over Year 1 is blank. | BUYER - GENERAL COMMENT (2025-11-11): dosc uploaded<br> REVIEWER - GENERAL COMMENT (2025-11-12): SitusAMC received Corrected CD. Missing copy of LOE to borrower which accompanied the PCCD to finalize cure.<br> BUYER - GENERAL COMMENT (2025-11-12): LOE<br> REVIEWER - CURED COMMENT (2025-11-13): SitusAMC received Letter of Explanation & Corrected Closing Disclosure.<br> REVIEWER - CURED COMMENT (2025-11-10): Sufficient Cure Provided At Closing | Federal Compliance - TRID Final Closing Disclosure Non Escrow Costs Year 1 Underdisclosed - October 2018: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - A B |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 903487 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 657491 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 942774 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 758377 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 | [1] Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $350.00 exceeds tolerance of $250.00 plus 10% or $275.00. Sufficient or excess cure was provided to the borrower at Closing. (0) |  | REVIEWER - CURED COMMENT (2025-10-17): Sufficient Cure Provided At Closing |  |  |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 822006 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 758772 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 324296 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 259999 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 769047 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 250085 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 778911 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 288356 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 598114 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 814551 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 194301 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 961318 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Higher Priced QM (APOR) | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Please accept as is. | REVIEWER - WAIVED COMMENT (2025-11-17): The client accepts as is. | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  |  | - A B |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 679278 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 2 | 2 | [2] Miscellaneous - Credit Exception: | Lender approved exception at origination to allow borrower using self-employment income when the borrower has not been self-employed for at least 2 years. | REVIEWER - WAIVED COMMENT (2025-11-05): Lender exception in file. | 1 |  |  |  | 1 |  |  |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 953247 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 682338 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 | [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $1,563.33 exceeds tolerance of $1,260.00. Sufficient or excess cure was provided to the borrower at Closing. (8304) |  | REVIEWER - CURED COMMENT (2025-11-06): Sufficient Cure Provided At Closing |  |  |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 877257 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 874573 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Safe Harbor QM (APOR) | 2 | 2 | [2] Miscellaneous - Credit Exception: | 7 NSF's in last 12 months, lender exception in file. | REVIEWER - WAIVED COMMENT (2025-11-10): Lender exception in file. | 1 |  |  |  | 1 |  |  |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 428148 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  | Borrower has verified disposable income of at least $2500.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 322331 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 730623 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 920271 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Safe Harbor QM (APOR) | 2 | 2 | [2] Miscellaneous - Credit Exception:<br> [2] Miscellaneous - Credit Exception: | Lender exception to allow Title seasoning in the Trust be counted towards seasoning, provided the Borrower will be vesting into their personal name at closing. Contingent upon Borrower must have 12 months reserves and a minimum of $10,000 residual income per month. Approval in file.<br> Lender exception to use Asset Utilization from an irrevocable trust account. Contingent upon Borrower must have 12 months reserves and a minimum of $10,000 residual income per month. Approval in file. | REVIEWER - WAIVED COMMENT (2025-10-21): Lender exception in file.<br> REVIEWER - WAIVED COMMENT (2025-10-21): Lender exception in file. | 1 |  |  |  | 1 |  |  |  |  | Borrower has verified disposable income of at least $2500.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 153782 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Non QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Client restated to Non-QM, please accept as is. | REVIEWER - WAIVED COMMENT (2025-12-16): The client reinstated the loan designation to Non-QM and accepts as is. | Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  |  | - A B |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 842064 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 | [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $200.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (75103) |  | REVIEWER - CURED COMMENT (2025-10-24): Sufficient Cure Provided At Closing |  |  |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 839663 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 2 | 2 | [2] Miscellaneous - Credit Exception: | Non-Arms Length transaction, and using credit supplement for VOR instead of standard mortgage/rental history docs which are required per guidelines. Lender exception in file. | REVIEWER - WAIVED COMMENT (2025-10-28): Lender exception in file. | 1 |  |  |  | 1 |  |  |  |  | Borrower has verified disposable income of at least $2500.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 360491 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Client restated loan designation to Non-QM, please accept as is. | SELLER - GENERAL COMMENT (2025-11-17): Loan has been restated as NQM.<br> REVIEWER - WAIVED COMMENT (2025-11-18): Client accepts as is. | Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  |  | - A B |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 720245 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 574607 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 2 | 2 | [2] Miscellaneous - Credit Exception: | Lender exception to consider home without current stoves in each unit. Contingent upon each unit having hook-ups available which the appraiser must confirm. Approval in file. | SELLER - GENERAL COMMENT (2025-11-04): Exception is located on page 55 and appraisal with comments that both units have the required hookups is the last sentence on page 1003.<br> REVIEWER - WAIVED COMMENT (2025-11-05): Lender exception in file. | 1 |  |  |  | 2 | [2] State Compliance - (State High Cost) New York High-Cost Loan (Points and Fees): New York Anti-Predatory Lending Statute: Points and Fees on subject loan of 6.45921% is in excess of the allowable maximum of 5.00000% of the Total Loan Amount. Points and Fees total $XXXX on a Total Loan Amount of $XXX,XXX vs. an allowable total of $XXXX(an overage of $XXXX or XX%). Non-Compliant High Cost Loan. | State Compliance - (State High Cost) New York High-Cost Loan (Points and Fees): New York Anti-Predatory Lending Statute: Points and Fees on subject loan of 6.45921% is in excess of the allowable maximum of 5.00000% of the Total Loan Amount. Points and Fees total $XXXX on a Total Loan Amount of $XXX,XXX vs. an allowable total of $XXXX | SELLER - GENERAL COMMENT (2025-10-24): Please see attached evidence of refund of $1288.73 for remediation of high cost. AMC calculation appears to include seller fees as borrower charges (courier, postage, escrow user, title charges). These are actual seller fees from the seller CD, and are not borrower fees paid on behalf of the borrower by the seller. As such, these fees should be excluded from the calculation.<br> REVIEWER - GENERAL COMMENT (2025-10-28): A lender of a high-cost home loan that, when acting in good faith, fails to comply with the provisions of this section, will not be deemed to have violated this section if the lender establishes that either:<br> (a) Within thirty days of the loan closing and prior to the institution of any action under this section, the borrower is notified of the compliance failure, appropriate restitution is made, and whatever adjustments are necessary are made to the loan to either, at the choice of the borrower, make the high-cost home loan satisfy the requirements of this section, or (ii) change the terms of the loan in a manner beneficial to the borrower so that the loan is no longer a high-cost home loan subject to the provisions of this section; or<br> (b) The compliance failure resulted from a bona fide error notwithstanding the maintenance of procedures reasonably adapted to avoid such errors and, within sixty days after the discovery of the compliance failure and prior to the institution of any action under this section or the receipt of written notice of the compliance failure, the borrower is notified of the compliance failure, appropriate restitution is made, and whatever adjustments are necessary are made to the loan to either, at the choice of the borrower, make the high-cost home loan satisfy the requirements of this section, or (ii) change the terms of the loan in a manner beneficial to the borrower so that the loan is no longer a high-cost home loan subject to the provisions of this section. Examples of a bona fide error include clerical, calculation, computer malfunction and programming, and printing errors. An error of legal judgment with respect to a person's obligations under this section is not a bona fide error.<br> While the lender provided the refund to the borrower, the only choice they gave the borrower was to either receive a refund (1) by check or (2) by principal reduction. These options do not align with the requirements of the cure provision above which requires the cure by the choice of the borrower with those options being (1) to keep the loan as high-cost and cure any prohibited practice violations thereby making the high-cost loan compliant); or (2) offer a refund to the borrower for the overage such that the loan is no longer high cost. Being we are now well outside the 30 days from consummation standard cure window, the bona fide cure under option (b) above becomes the only option to remediate.<br> To remediate under the bona fide cure above (b), we would require, within 60 days of discovery (XX/XX/XXXX):<br> (1) Legal opinion from originating lender with loan-specific details on how a high-cost loan was made despite procedures to prevent and confirms the failure constitutes a bona fide error for the jurisdiction in which the property is located, and (ii) that the lender has not received any notice from the borrower of the failure; <br> (2) procedures or explanation of controls in place to prevent such errors; <br> (3) client written approval accepting use of the bona fide error cure; <br> (4) signed borrower choice letter to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; <br> (5) If option 4(a) is selected, copy of refund check and proof of mailing; (we can use what has already been provided for this is borrower chooses refund)<br> (6) If option 4(b) is selected, proof of cure for each of the prohibited practice violations. <br> Note, a cure may not be accepted if the seller/lender has certified a fix has been made to their system and the same issue continues to occur after the fix has been put into place.<br> SELLER - GENERAL COMMENT (2025-11-03): Please see page 2 of the borrower letter previously uploaded on 10/24, which provides the borrower the opportunity to decline the refund option and instead the loan remains as structured and receive the necessary disclosures and documents to be compliant.<br> REVIEWER - GENERAL COMMENT (2025-11-05): In compliance review.<br> REVIEWER - GENERAL COMMENT (2025-11-06): The requirements of the NY high-cost standard cure provision require that the borrower be notified of the compliance failure and be given the choice to either (1) retain the loan as high-cost and cure any prohibited practice violations to make the loan compliant; or (2) make adjustments refund such that the loan is no longer considered high cost.<br>The letter provided to the consumer offers the option to either receive a refund or leave the loan "as-is" with updated disclosures and an amended mortgage with no express reference to making the loan non-high-cost or to retain it as high-cost and cure the violation. The letter to consumer references a prior conversation with the borrower, during which these options may have been discussed. If so, please provide an attestation confirming that the borrower was informed of the compliance failure and presented with the cure options in accordance with NY high-cost provisions.<br>For efficient review of future high-cost cures, please ensure that the Letter of Explanation (LOE) or borrower notification clearly references the compliance failure, and explicitly outlines the borrower's choice to either cure the loan to make it non-high-cost, or cure the loan to make it a compliant high-cost loan.<br> SELLER - GENERAL COMMENT (2025-11-17): Please see attached lender attestation.<br> REVIEWER - CURED COMMENT (2025-11-19): SitusAMC received LOE, borrower choice to accept refund and make loan high cost, copy of refund check, proof of mailing and lender attestation confirming that the borrower was informed of the compliance failure and presented with the cure options in accordance with NY high-cost provisions. | State Compliance - (State High Cost) New York High-Cost Loan (Points and Fees): N.Y. BNK. LAW § 6-l:<br> Assignee Liability: Purchasers and assignees of New York high-cost home loans are subject to all claims and defenses with respect to the loan that the borrower could assert against the original creditor. These include (i) forfeiture of interest and costs; (ii) rendering the home loan agreement void, and (iii) rescission of the loan, with no statute of limitations when invoked as a defense to a holder's affirmative claim. Remedies may also include actual and statutory damages or $5,000 per violation or twice the amount of points and fees and closing costs, whichever is greater, for violations of loan flipping or ability to repay requirements.<br>Part 41 of the General Regulations:<br> There is probably no assignee liability. Lenders are subject to civil money damages and the Banking Department may take enforcement action against others who violate the regulations. An assignee has no liability if within 60 days after discovering an error, and prior to the institution of an action under Part 41, assignee notifies individual and makes whatever adjustments are necessary to either correct the error or assure that the person will not be required to pay an amount that will make the loan subject to Part 41. Also, assignees are not liable for acts done or omitted in good faith in conformity with Banking Department regulations or provisions of the High Cost Loan Regulations that follow the federal Truth in Lending Act. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. |  | - B A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 867288 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Second Home | Purchase | Non QM | 2 | 2 | [2] Miscellaneous - Credit Exception: | Lender approved exception at origination to allow the exclusion of a mortgage debt that is paid by a third party with only 11 months of verified payments from the third party. | REVIEWER - WAIVED COMMENT (2025-10-28): Lender exception in file. | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Please accept as is. | SELLER - GENERAL COMMENT (2025-12-02): 12/2 - Loan restated as Non-QM. Client accepts as is.<br> REVIEWER - WAIVED COMMENT (2025-12-04): Client accepts as is. | Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 923178 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Purchase | Higher Priced QM (APOR) | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Please accept as is. | SELLER - GENERAL COMMENT (2025-11-18): XX/XX - Loan restated to Higher-Priced.<br> REVIEWER - WAIVED COMMENT (2025-11-20): Client accepts as is. | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  |  | - A B |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 339842 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM.<br> [1] Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $90.00 exceeds tolerance of $65.00 plus 10% or $71.50. Sufficient or excess cure was provided to the borrower at Closing. (0) | Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Please accept as is. | SELLER - GENERAL COMMENT (2025-11-19): 11/19 - Loan restated as Non-QM.<br> REVIEWER - WAIVED COMMENT (2025-11-21): Client accepts as is.<br> REVIEWER - CURED COMMENT (2025-11-03): Sufficient Cure Provided At Closing | Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  |  | - A B |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 160676 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 788067 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 273398 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Non QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Client restated loan designation to | REVIEWER - WAIVED COMMENT (2025-12-09): The client accepts as is. | Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  |  | - A B |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 591835 | XXXXXXXXXXXXXXXX | XXXX | $XXX,XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Higher Priced QM (APOR) | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Client restated to Higher Priced QM (APOR), please accept as is. | SELLER - GENERAL COMMENT (2025-11-19): 11/19 - Loan restated as Higher-Priced.<br> REVIEWER - WAIVED COMMENT (2025-11-21): Client accepts as is. | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  |  | - A B |

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## Exhibit 99.6

![](situsamc_logo.jpg)

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Exception Grades** | **Exception Grades** | **Exception Grades** | **Exception Grades** | **Exception Grades** | **Exception Grades** | **Exception Grades** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Edgar ID** | **Investor Loan Number** | **Loan Exception ID** | **Exception ID** | **Exception Date** | **Exception Type** | **Exception Category** | **Exception Subcategory** | **15E Category** | **Exception** | **Exception Detail** | **Exception Information** | **Compensating Factors** | **Compensating Factor Information** | **Applying Party** | **Follow-up Comments** | **Cleared Date** | **Cured Date** | **Waived Date** | **Exception Level Grade** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Exception Remediation** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 470659 |  | 32572753 | XXXXXXXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Secondary/XX/XX/XXXX) |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 470659 |  | 32572752 | XXXXXXXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before<br> Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary/XX/XX/XXXX) |  |  |  |  | Reviewer Comment (2024-11-05): Document provided cannot be used for appraisal delivery timing. Additionally, timing waivers cannot be signed at closing. Please provide electronic verification of delivery to borrower.<br>Seller Comment (2024-11-05): Comment from XXXXXXXXXXXXXXXXXXXXXX: signed at closing - signature acknowledges either receipt of each valuation report 3 or more business days prior to closing or waived the right.<br>Reviewer Comment (2024-11-03): Missing for report datedXX/XX/XXXX.<br>Seller Comment (2024-10-31): Comment from XXXXXXXXXXXXXXXXXXXXXX: delivery email |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 543430 |  | 32572804 | XXXXXXXXX | XX/XX/XXXX | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 825025 |  | 35265583 | XXXXXXXXX | XX/XX/XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 4.48 is less than<br> Guideline PITIA months reserves of 6.00. | Calculated PITIA months reserves of 4.48 is less than<br> Guideline PITIA months reserves of 6.00. | Borrower has verified disposable income of at least<br> $2500.00.<br>Borrower's monthly mortgage payment has decreased<br> by at least 20%.<br>The refinance has decreased the borrower's monthly<br> debt payments by 20% or more.<br>The representative FICO score exceeds the guideline<br> minimum by at least 40 points. | $4K residual income.<br>FICO IS XXX | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-09-25): Lender exceptions in file.<br>Buyer Comment (2025-09-25): lender exception uploaded<br>Reviewer Comment (2025-09-17): A Post close lender exception was provided from Arc for allowing 4 months reserves when guidelines require 6 months reserves. Missing lender exception from Cross Country.<br>Buyer Comment (2025-09-12): Exception approval for reserves<br>Reviewer Comment (2025-09-10): Guidelines require 6 months of PITIA reserves, 1008 is sowing assets amount of $69,090. Please provide additional assets to meet the reserve requirement. Exception Remains.<br>Buyer Comment (2025-09-08): Lease agreements uploaded to XXXXXX |  |  | XX/XX/XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Non QM | Non QM | No |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 848324 |  | 35265596 | XXXXXXXXX | XX/XX/XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | 12 months cancelled checks provided for rental history without VOR or lease, lender exception in file. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | $4K residual income.<br>11 months reserves.<br>FICO IS XXX | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-10-20): A post close lender exception was provided. |  |  | XX/XX/XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 223911 |  | 35265614 | XXXXXXXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $65.00 exceeds tolerance of $30.00. Sufficient or excess cure was provided to the borrower at Closing. (7520) |  |  |  |  | Reviewer Comment (2025-10-16): Sufficient Cure Provided At Closing |  | XX/XX/XXXX |  | 1 A | XX/XX/XXXX | XX | Second Home | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 223911 |  | 35265615 | XXXXXXXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Fee. Fee Amount of $210.00 exceeds tolerance of $154.00. Sufficient or excess cure was provided to the borrower at Closing. (75208) |  |  |  |  | Reviewer Comment (2025-10-16): Sufficient Cure Provided At Closing |  | XX/XX/XXXX |  | 1 A | XX/XX/XXXX | XX | Second Home | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 381182 |  | 35265623 | XXXXXXXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $615.00 exceeds tolerance of $600.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  |  |  |  | Reviewer Comment (2025-09-26): Sufficient Cure Provided At Closing |  | XX/XX/XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 381182 |  | 35265624 | XXXXXXXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $250.00 exceeds tolerance of $200.00. Sufficient or excess cure was provided to the borrower at Closing. (75103) |  |  |  |  | Reviewer Comment (2025-09-26): Sufficient Cure Provided At Closing |  | XX/XX/XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 708509 |  | 35265639 | XXXXXXXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $135.00 exceeds tolerance of $102.00 plus 10% or $112.20. Sufficient or excess cure was provided to the borrower at Closing. (0) |  |  |  |  | Reviewer Comment (2025-09-30): Sufficient Cure Provided At Closing |  | XX/XX/XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 708509 |  | 35265640 | XXXXXXXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $600.00 exceeds tolerance of $550.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  |  |  |  | Reviewer Comment (2025-09-30): Sufficient Cure Provided At Closing |  | XX/XX/XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 816268 |  | 35265654 | XXXXXXXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $125.00 exceeds tolerance of $0.00. $125.00 over legal limit. Insufficient or no cure was provided to the borrower. (75103) | The Appraisal Re-Inspection Fee increased from $0.00 on the initial Loan Estimate to $125.00 without a valid change of circumstance. The fee was added to the Closing Disclosure dated XX/XX/XXXX; however, the original appraisal report was received by XX/XX/XXXX, which the fee should have been disclosed at that time. |  |  |  | Reviewer Comment (2025-10-27): Situsamc Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-10-24): Please update to 24 month bank statement. 1008 with correct loan program uploaded.<br>Buyer Comment (2025-10-23): see attached PCCD docs<br>Reviewer Comment (2025-10-16): SitusAMC Appraisal report is dated XX/XX/XXXX and Appraisal re-inspection fee is added on CD dated XX/XX/XXXX which is not within 3 days. In order to determine if the changed circumstance is valid more information require 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 (2025-10-15): see attached LOX |  | XX/XX/XXXX |  | 2 B | XX/XX/XXXX | XX | Second Home | Purchase | Fee Tolerance Refund Provide the Following:<br> Letter of Explanation, Proof of Delivery, Copy<br> of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 816268 |  | 35265655 | XXXXXXXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $324.00 exceeds tolerance of $291.00. $33.00 over legal limit. Insufficient or no cure was provided to the borrower. (7520) | The Credit Report Fee increased from $291.00 on the initial Loan Estimate to $324.00 without a valid change of circumstance. Please note: there is a cure provided on the Closing Disclosure of $32.90; however, the cure is not sufficient to cover both fee violations. |  |  |  | Reviewer Comment (2025-10-27): Situsamc Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-10-23): see attached PCCD docs |  | XX/XX/XXXX |  | 2 B | XX/XX/XXXX | XX | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 687424 |  | 35265669 | XXXXXXXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $825.00 exceeds tolerance of $800.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  |  |  |  | Reviewer Comment (2025-10-02): Sufficient Cure Provided At Closing |  | XX/XX/XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 461258 |  | 35265677 | XXXXXXXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $265.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (7507) |  |  |  |  | Reviewer Comment (2025-10-02): Sufficient Cure Provided At Closing |  | XX/XX/XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | No |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 528307 |  | 35265695 | XXXXXXXXX | XX/XX/XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception for master insurance with per unit special property coverage deductibles equal to 14% of the property coverage limit is approved contingent on the project meeting all other non-warrantable condo guidelines. Approval in file. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | FICO:XXX | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-10-03): The client elects to waive. |  |  | XX/XX/XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 552214 |  | 35265718 | XXXXXXXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $195.00 exceeds tolerance of $0.00. $195.00 over legal limit. Insufficient or no cure was provided to the borrower. (75103) | The Appraisal Re-Inspection Fee increased from $0.00 on the initial Loan Estimate to $195.00 without a valid change of circumstance (COC). The file contains a COC; however, the COC is datedXX/XX/XXXXand the appraisal showing Subject To was provided on XX/XX/XXXX. The COC is dated more than 3 business days from the receipt of the change. |  |  |  | Reviewer Comment (2025-10-13): SitusAMC received PCCD, LOE, proof of mailing & copy of refund check.<br>Buyer Comment (2025-10-10): pccd, lox, check, and mailing |  | XX/XX/XXXX |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 502608 |  | 35265791 | XXXXXXXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Abstract / Title Search. Fee Amount of $233.00 exceeds tolerance of $170.00. Sufficient or excess cure was provided to the borrower at Closing. (75178) | Title - Abstract / Title Search Fee was last disclosed as $170.00 on Loan Estimate but disclosed as $233.00 on Final Closing Disclosure dated XX/XX/XXXX File does not contain a valid COC for this fee, nor evidence of cure in file. |  |  |  | Reviewer Comment (2025-10-06): Sufficient Cure Provided At Closing |  | XX/XX/XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 502608 |  | 35265792 | XXXXXXXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Flood Certification (Life Of Loan). Fee Amount of $10.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (7579) | Flood Certification (Life Of Loan) Fee was last disclosed as $0.00 on Loan Estimate but disclosed as $10.00 on Final Closing Disclosure dated XX/XX/XXXX File does not contain a valid COC for this fee, nor evidence of cure in file. |  |  |  | Reviewer Comment (2025-10-06): Sufficient Cure Provided At Closing |  | XX/XX/XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 220352 |  | 35265850 | XXXXXXXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of $90.00 exceeds tolerance of $0.00. $90.00 over legal limit. Insufficient or no cure was provided to the borrower. (75106) | The CDA Fee increased from $0.00 on the initial Loan Estimate to $90.00 without a valid change of circumstance. Please note: the file does contain a COC; however, the COC did not provide the reason for the CDA being added. |  |  |  | Reviewer Comment (2025-10-18): SitusAMC received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-10-16): docs uploaded<br>Reviewer Comment (2025-10-14): SitusAMC received Changed Circumstance dated XX/XX/XXXXbut it does not give sufficient information on why the CDA fee was added. In order to determine if the changed circumstance is valid more information is necessary on reason fee added 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 (2025-10-13): 8/25 COC |  | XX/XX/XXXX |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | No |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 938766 |  | 35265864 | XXXXXXXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of $92.70 exceeds tolerance of $0.00. $92.70 over legal limit. Insufficient or no cure was provided to the borrower. (75106) | The CDA Fee increased from $0.00 on the initial LE to $92.70 without a valid change of circumstance. |  |  |  | Reviewer Comment (2025-11-04): SitusAMC Received Corrected LOE and Payment history.<br>Buyer Comment (2025-11-02): prin reduction lox<br>Buyer Comment (2025-11-02): lender cured via prin reduction<br>Reviewer Comment (2025-10-29): SitusAMC received support docs and UW conditioned on XX/XX/XXXX. However, Appraisal and SSR report with provided disclosure completed on XX/XX/XXXX, but the CDA fee was not added until XX/XX/XXXX. This is outside of the required three-day timeline for notification of borrower. Cure is required.<br>Buyer Comment (2025-10-27): support docs uploaded<br>Reviewer Comment (2025-10-19): SitusAMC Received COC dated XX/XX/XXXX stating underwriter requested CDA report; however, required evidence when underwriter requested for CDA in order to verify fee charged within timeline.<br>Buyer Comment (2025-10-17): XXXX SSR 4.2 therefore a CDA was required<br>Reviewer Comment (2025-10-16): SitusAMC: The COC that was provided in the trailing images was also provided in the original loan package. but it does not give sufficient information on why the CDA fee was added. In order to determine if the changed circumstance is valid more information is necessary on reason for the fee added 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 (2025-10-15): DOCS UPLOADED |  | XX/XX/XXXX |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 943914 |  | 35265878 | XXXXXXXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXXdisclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $XXX,XXX is over disclosed by $313.65 compared to the calculated Amount Financed of $XXX,XXX and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated XX/XX/XXXX). (Final/XX/XX/XXXX) | The file contains the appraisal invoice that breakdowns the Management Fee of $313.65. It appears the Lender did not include the AMC fee in the amount financed. |  |  |  | Reviewer Comment (2025-10-30): SitusAMC received Letter of Explanation, Proof of Delivery, Refund check & Corrected CD<br>Buyer Comment (2025-10-29): docs uploaded |  | XX/XX/XXXX |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 943914 |  | 35265879 | XXXXXXXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXXdisclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $XXX,XXXis under disclosed by $313.65 compared to the calculated Finance Charge of $XXX,XXXwhich exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XXXX). (Final/XX/XX/XXXX) | The file contains the appraisal invoice that breakdowns the Management Fee of $313.65. It appears the Lender did not include the AMC fee in the finance charge. |  |  |  | Reviewer Comment (2025-10-30): SitusAMC received Letter of Explanation, Proof of Delivery, Refund check & Corrected CD<br>Buyer Comment (2025-10-29): docs uploaded |  | XX/XX/XXXX |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 290070 |  | 35265896 | XXXXXXXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return XXXXXXX- QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XXXX, Most Recent Tax Return End Date XX/XX/XXXX, Tax Return Due Date XX/XX/XXXX. (XXXXXXXXXXXXXXXXXXXX/S-Corp) |  |  |  |  | Reviewer Comment (2025-10-14): Client accepts as is.<br>Buyer Comment (2025-10-09): Accepted as is: Tax returns in file for XXXX. Tax extension automatically granted in XXuntil XX/XX/XXXXdue to wildfire relief. |  |  | XX/XX/XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 290070 |  | 35265895 | XXXXXXXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return XXXXXXX- QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XXXX, Most Recent Tax Return End Date XX/XX/XXXX, Tax Return Due Date XX/XX/XXXX. (XXXXXXXXXXXXXXXXXXXX/S-Corp) |  |  |  |  | Reviewer Comment (2025-10-14): Client accepts as is.<br>Buyer Comment (2025-10-09): Accepted as is: Tax returns in file forXXXX. Tax extension automatically granted in XX until XX/XX/XXXXdue to wildfire relief. |  |  | XX/XX/XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 290070 |  | 35265894 | XXXXXXXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return XXXXXXX- QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XXXX, Most Recent Tax Return End Date XX/XX/XXXX, Tax Return Due Date XX/XX/XXXX. (XXXXXXXXXXXXXXXXXXXX/S-Corp) |  |  |  |  | Reviewer Comment (2025-10-14): Client accepts as is.<br>Buyer Comment (2025-10-09): Accepted as is: Tax returns in file for XXXX. Tax extension automatically granted in CA until XX/XX/XXXXdue to wildfire relief. |  |  | XX/XX/XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 315290 |  | 35265925 | XXXXXXXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $47.49 exceeds tolerance of $46.00. Sufficient or excess cure was provided to the borrower at Closing. (8304) |  |  |  |  | Reviewer Comment (2025-10-08): Sufficient Cure Provided At Closing |  | XX/XX/XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | No |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 347094 |  | 35265946 | XXXXXXXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of $123.60 exceeds tolerance of $120.00. Sufficient or excess cure was provided to the borrower at Closing. (75106) |  |  |  |  | Reviewer Comment (2025-10-09): Sufficient Cure Provided At Closing |  | XX/XX/XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 857558 |  | 35266014 | XXXXXXXXX | XX/XX/XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception at origination to allow 1099 income to be used for qualifying when the 1099 is issued in the borrower's business name instead of the borrower's individual name. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | XX% BELOW guideline max.<br>FICO IS XXX | SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-10-13): Lender exception in file. |  |  | XX/XX/XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 838385 |  | 35266084 | XXXXXXXXX | XX/XX/XXXX | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of XXX is less than Guideline representative FICO score of 720. | Per Arc's overlay, the most restrictive of XXX or the seller's guides must be utilized. Minimum credit score forXXX onXX% LTV is 720. | Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | XX% BELOW guideline max. | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-10-29): A post close lender exception was provided.<br>Buyer Comment (2025-10-24): exception |  |  | XX/XX/XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 332402 |  | 35266087 | XXXXXXXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of $240.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (75106) |  |  |  |  | Reviewer Comment (2025-10-13): Sufficient Cure Provided At Closing |  | XX/XX/XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 382558 |  | 35266131 | XXXXXXXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $3,609.75 exceeds tolerance of $3,279.00 plus 10% or $3,606.90. $2.85 over legal limit. Insufficient or no cure was provided to the borrower. (0) | Ten Percent Fee Tolerance exceeded. Total amount of $3,609.75 exceeds tolerance of $3,279.00 plus 10% or $3,606.90. $2.85 over legal limit. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-11-07): SitusAMC received Corrected PCCD, Letter of Explanation, Proof of Delivery and Copy of Refund Check resulting in a cured the exception.<br>Buyer Comment (2025-11-06): Cure docs<br>Reviewer Comment (2025-10-17): SitusAMC received rebuttal comment and title fees were disclosed in Section C which are tested at no tolerance. However, provider listed on SSPL is XXXXXXXXXXXXXXXXX. Fees on CD were paid to XXXXXXXXXXXXXXXXXe. Appears borrower cannot be shopped for title fees. Hence, the fees ate tested under 10% tolerance. Valid COC for the fee increased or Cure would be due to borrower.<br>Buyer Comment (2025-10-16): Title settlement fee should have unlimited tolerance as the borrower shopped for it and was listed in Section C. |  | XX/XX/XXXX |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 338255 |  | 35266169 | XXXXXXXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $5,359.90 exceeds tolerance of $1,906.00. $3,453.90 over legal limit. Insufficient or no cure was provided to the borrower. (8304) | There was no cure was provided to the borrower and the file did not contain a valid COC for the addition of the fee. |  |  |  | Reviewer Comment (2025-11-10): SitusAMC received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-11-06): See docs provided<br>Reviewer Comment (2025-10-23): SitusAMC received Changed Circumstance dated XX/XX/XXXX, but it does not give sufficient information on why the fee was increased. In order to determine if the changed circumstance is valid more information is necessary on reason fee increased and when lender became aware of the change. A valid COC or cure is required. Cure documents consist of PCCD, LOE, proof of mailing and copy of refund check.<br>Buyer Comment (2025-10-22): DOCS UPLOADED<br>Reviewer Comment (2025-10-22): SitusAMC must test the CD as presented. If there are corrections to be made to individual fees the CD should represent the fee amount along with an accurate payor and payee. |  | XX/XX/XXXX |  | 2 B | XX/XX/XXXX | XX | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 561656 |  | 35266223 | XXXXXXXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return XXXXXXX- QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XXXX, Most Recent Tax Return End Date XX/XX/XXXX, Tax Return Due Date XX/XX/XXXX. (XXXXXXX/Schedule C) |  |  |  |  | Reviewer Comment (2025-10-22): Client accepts as is. |  |  | XX/XX/XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 574414 |  | 35266265 | XXXXXXXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $258.91 exceeds tolerance of $225.00. Sufficient or excess cure was provided to the borrower at Closing. (7520) |  |  |  |  | Reviewer Comment (2025-10-16): Sufficient Cure Provided At Closing |  | XX/XX/XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 896351 |  | 35266271 | XXXXXXXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Field Review Fee. Fee Amount of $50.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (7508) |  |  |  |  | Reviewer Comment (2025-10-16): Sufficient Cure Provided At Closing |  | XX/XX/XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | No |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 234054 |  | 35266278 | XXXXXXXXX | XX/XX/XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception approved to use a separate personal account for last 2 years bonuses paid directly to borrower by one of her clients, while also using her business bank statements for her standard monthly calculation. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | $6K residual income<br>FICO IS XXX | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-10-17): Lender exception in file. |  |  | XX/XX/XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 983635 |  | 35266304 | XXXXXXXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $196.50 exceeds tolerance of $175.00. $21.50 over legal limit. Insufficient or no cure was provided to the borrower. (7520) | Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $196.50 exceeds tolerance of $175.00. $21.50 over legal limit. No valid changed circumstance was provided. No cure was provided to the Borrower. |  |  |  | Reviewer Comment (2025-10-23): SitusAMC received LOE, proof of mailing & copy of refund check.<br>Buyer Comment (2025-10-22): cure docs uploaded |  | XX/XX/XXXX |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 700966 |  | 35266319 | XXXXXXXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $80.00 exceeds tolerance of $70.00. Sufficient or excess cure was provided to the borrower at Closing. (7520) |  |  |  |  | Reviewer Comment (2025-10-16): Sufficient Cure Provided At Closing |  | XX/XX/XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 584132 |  | 35266347 | XXXXXXXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $275.00 exceeds tolerance of $233.00 plus 10% or $256.30. $18.70 over legal limit. Insufficient or no cure was provided to the borrower. (0) | The Recording Fee increased from $233.00 on the initial Loan Estimate to $275.00 without a valid change of circumstance. |  |  |  | Reviewer Comment (2025-11-18): Situsamc Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-11-17): Check<br>Reviewer Comment (2025-11-12): Situsamc Received Corrected PCCD and LOE; however, copy of check not received. Provide Copy of check.<br>Buyer Comment (2025-11-12): see attached PCCD with cure and LOX<br>Reviewer Comment (2025-11-06): Situsamc Received COC and CD datedXX/XX already present in file. As stated earlier, loan amount and sales price cannot impact recording fee. In order to determine if the changed circumstance is valid more information is necessary on reason 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 (2025-11-05): Docs uploaded<br>Reviewer Comment (2025-11-04): SitusAMC received rebuttal comment and changed circumstance indicating loan amount and sale price changed. It is unclear how the mortgage amounts, sale price and property taxes increased impacted the recording fees as the fees are typically a flat fee and a per page charge. Additional information on how the loan amount increase impacted recording or a cure is required.<br>Buyer Comment (2025-10-31): Property Taxes increased from $XXX to $XXX<br>Reviewer Comment (2025-10-23): SItusAMC received COC datedXX/XX but the reason provided for increase in recording fee is not provided on COC. Please provide information as to what changed circumstance occurred (as defined under 1026.19(e)(4)(A)-(F) that resulted in an increase in closing costs or provide cure.<br> Cure requirements include LOE, corrected CD, proof of mailing and copy of refund check.<br>Buyer Comment (2025-10-22): docs uploaded |  | XX/XX/XXXX |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 952221 |  | 35266376 | XXXXXXXXX | XX/XX/XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 12.93 is less than Guideline PITIA months reserves of 13.00. | Calculated PITIA months reserves of 12.93 is less than Guideline PITIA months reserves of 13.00. Insufficient documented reserves. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | XX% BELOW guideline max.<br>FICO IS XXX | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-11-24): Post close lender exception provided.<br>Buyer Comment (2025-11-20): exception provided<br>Buyer Comment (2025-11-20): exception<br>Reviewer Comment (2025-11-17): 13 months reserves required per guidelines, 12.93 months verified, exception remains.<br>Buyer Comment (2025-11-04): lender dispute |  |  | XX/XX/XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 870612 |  | 35266408 | XXXXXXXXX | XX/XX/XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception approved for use of actual cash value for roof coverage on hazard insurance. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | XX% BELOW guideline max.<br>FICO IS XXX | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-10-20): Lender exception in file. |  |  | XX/XX/XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 828635 |  | 35266425 | XXXXXXXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $90.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (75104) |  |  |  |  | Reviewer Comment (2025-10-17): Sufficient Cure Provided At Closing |  | XX/XX/XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 567844 |  | 35266434 | XXXXXXXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $422.00 exceeds tolerance of $377.00 plus 10% or $414.70. Sufficient or excess cure was provided to the borrower at Closing. (0) |  |  |  |  | Reviewer Comment (2025-10-20): Sufficient Cure Provided At Closing |  | XX/XX/XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 382887 |  | 35266483 | XXXXXXXXX | XX/XX/XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception approved for conflict of interest with broker, real estate agent, and escrow company being the same. | Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Disposable Income: $16,089.85 | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-10-02): The client elects to waive. |  |  | XX/XX/XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 377354 |  | 35266493 | XXXXXXXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,310.00 exceeds tolerance of $1,300.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  |  |  |  | Reviewer Comment (2025-10-21): Sufficient Cure Provided At Closing |  | XX/XX/XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 906865 |  | 35266502 | XXXXXXXXX | XX/XX/XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception for property with 23.79 acres. Approval in file. | Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | XX% BELOWXX% BELOWXX% BELOW guideline max.<br>Fico isXX points above guideline minimum. | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-10-23): Lender exception in file. |  |  | XX/XX/XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 636674 |  | 35266539 | XXXXXXXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $875.00 exceeds tolerance of $600.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  |  |  |  | Reviewer Comment (2025-10-21): Sufficient Cure Provided At Closing |  | XX/XX/XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 509803 |  | 35266553 | XXXXXXXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Document Preparation Fee. Fee Amount of $200.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (7522) |  |  |  |  | Reviewer Comment (2025-10-21): Sufficient Cure Provided At Closing |  | XX/XX/XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Non QM | Non QM | No |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 509803 |  | 35266552 | XXXXXXXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $2,059.00 exceeds tolerance of $1,815.00 plus 10% or $1,996.50. Sufficient or excess cure was provided to the borrower at Closing. (0) |  |  |  |  | Reviewer Comment (2025-10-21): Sufficient Cure Provided At Closing |  | XX/XX/XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Non QM | Non QM | No |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 192322 |  | 35266561 | XXXXXXXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $900.00 exceeds tolerance of $725.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  |  |  |  | Reviewer Comment (2025-10-21): Sufficient Cure Provided At Closing |  | XX/XX/XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 581264 |  | 35266614 | XXXXXXXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $750.00 exceeds tolerance of $700.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  |  |  |  | Reviewer Comment (2025-10-24): Sufficient Cure Provided At Closing |  | XX/XX/XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 391399 |  | 35266665 | XXXXXXXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $863.50 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower. (8304) |  |  |  |  | Reviewer Comment (2025-10-24): Sufficient Cure Provided within 60 Days of Closing |  | XX/XX/XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Purchase | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 986111 |  | 35266674 | XXXXXXXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $973.50 exceeds tolerance of $902.00. Sufficient or excess cure was provided to the borrower at Closing. (8304) |  |  |  |  | Reviewer Comment (2025-10-27): Sufficient Cure Provided At Closing |  | XX/XX/XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | No |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 620080 |  | 35266686 | XXXXXXXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $266.46 exceeds tolerance of $225.00. Sufficient or excess cure was provided to the borrower at Closing. (7520) |  |  |  |  | Reviewer Comment (2025-10-27): Sufficient Cure Provided At Closing |  | XX/XX/XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 620080 |  | 35266688 | XXXXXXXXX | XX/XX/XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception approved for condo unit less than 500 square feet. | Borrower has verified disposable income of at least $2500.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | XX% BELOWXX% BELOWXX% BELOW guideline max.<br>FICO IS XXX | Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-10-29): Lender exception in file. |  |  | XX/XX/XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 882686 |  | 35266696 | XXXXXXXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Attorney Review Fee. Fee Amount of $225.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (7588) |  |  |  |  | Reviewer Comment (2025-10-29): Sufficient Cure Provided At Closing |  | XX/XX/XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 853491 |  | 35266721 | XXXXXXXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $750.00 exceeds tolerance of $630.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  |  |  |  | Reviewer Comment (2025-10-30): Sufficient Cure Provided At Closing |  | XX/XX/XXXX |  | 1 A | XX/XX/XXXX | XX | Second Home | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 853491 |  | 35266720 | XXXXXXXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Administration Fee. Fee Amount of $1,945.00 exceeds tolerance of $1,845.00. Sufficient or excess cure was provided to the borrower at Closing. (7355) |  |  |  |  | Reviewer Comment (2025-10-30): Sufficient Cure Provided At Closing |  | XX/XX/XXXX |  | 1 A | XX/XX/XXXX | XX | Second Home | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 294757 |  | 35266739 | XXXXXXXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of $211.15 exceeds tolerance of $200.00. Sufficient or excess cure was provided to the borrower at Closing. (75106) | Sufficient cure provided at closing |  |  |  | Reviewer Comment (2025-11-19): Sufficient Cure Provided At Closing |  | XX/XX/XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 426991 |  | 35266743 | XXXXXXXXX | XX/XX/XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower has been self-employed for less than 24 months and does not have the required 3 years experience in same line of work, lender exception in file. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | XX% BELOW guideline max.<br>FICO IS XXX | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-11-05): Lender exception in file. |  |  | XX/XX/XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 289051 |  | 35266767 | XXXXXXXXX | XX/XX/XXXX | Credit | Guideline | Guideline Issue | Guideline | Program Guidelines require the borrower has been in business for a minimum of 2 years. |  | Lender approved exception at origination to allow self-employment with less than 2 years, where a minimum requirement of 18 months is required; however, borrower only has 17 months. | Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | XX% BELOW guideline max. | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-10-09): Lender exception in file. |  |  | XX/XX/XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 976251 |  | 35266770 | XXXXXXXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for HOA/Condo Questionnaire. Fee Amount of $576.95 exceeds tolerance of $450.00. Sufficient or excess cure was provided to the borrower at Closing. (75215) |  |  |  |  | Reviewer Comment (2025-10-10): Sufficient Cure Provided At Closing |  | XX/XX/XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 976251 |  | 35266771 | XXXXXXXXX | XX/XX/XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Using salary income at borrower's primary job with only 9 months at current location, lender exception in file. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | 10 months reserves.<br>Fico isXX points above guideline minimum. | SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-10-10): Lender exception in file. |  |  | XX/XX/XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 120534 |  | 35266775 | XXXXXXXXX | XX/XX/XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | 8 months reserves required, 6 months verified. Lender exception in file. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | $20K residual income.<br>FICO IS XXX | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-10-14): Lender exception in file. |  |  | XX/XX/XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 942996 |  | 35266779 | XXXXXXXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $223.00 exceeds tolerance of $196.00 plus 10% or $215.60. Sufficient or excess cure was provided to the borrower at Closing. (0) |  |  |  |  | Reviewer Comment (2025-10-13): Sufficient Cure Provided At Closing |  | XX/XX/XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | No |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 897820 |  | 35266789 | XXXXXXXXX | XX/XX/XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception for Non-Warrantable Condo with incomplete repairs that are currently in progress of being completed contingent on MAX 70% LTV and updated assets in Borrower's TIAA account totaling 58 months. The most recent lender exception shows an incorrect loan amount and the loan closed at XX% LTV. Revised lender exception required. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | $90K residual income<br>102 months reserves | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC | Reviewer Comment (2025-10-28): Lender exception in file.<br>Seller Comment (2025-10-24): Attached the Revised Exception for the Loan Amount. |  |  | XX/XX/XXXX | 2 B | XX/XX/XXXX | XX | Second Home | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 897820 |  | 35266791 | XXXXXXXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | Please accept as is. |  |  |  | Reviewer Comment (2025-12-16): The client reinstated the loan designation and accepts as is.<br>Buyer Comment (2025-11-06):XX/X- Please clear - exception should clear with XXXXXXX- has been re-stated. |  |  | XX/XX/XXXX | 2 B | XX/XX/XXXX | XX | Second Home | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 942690 |  | 35266813 | XXXXXXXXX | XX/XX/XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception for transferred appraisal transfer letter contingent upon appraisal transfer letter from XXXXX to XXXXX, transfer letter from XXXXX to XXXXX, and transfer letter from XXXXX to XXXXX must all be provided in the loan file. Approval in file. Transfer letters from XXXXX to XXXXX Lending, XXXXX Lending to XXXXX and XXXXX Lending to XXXXX were provided. Lender Correspondence in file requesting transfer letter from XXXXX to XXXXX in file. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | $10K residual income<br>FICO IS XXX | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-10-16): Lender exception in file.<br>Seller Comment (2025-10-14): The Transfer letter from XXXXX to XXXXX can be found on page 1237 of XXXXX. Please Cancel. |  |  | XX/XX/XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 338655 |  | 35266825 | XXXXXXXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $139.00 exceeds tolerance of $78.00 plus 10% or $85.80. Sufficient or excess cure was provided to the borrower at Closing. (0) |  |  |  |  | Reviewer Comment (2025-11-10): Sufficient Cure Provided At Closing |  | XX/XX/XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 338655 |  | 35266824 | XXXXXXXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrow Costs Year 1 Underdisclosed - October 2018 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year 1 of on Final Closing Disclosure provided on XX/XX/XXXX are underdisclosed. (Final/XX/XX/XXXX) | Non-Escrowed Estimated Taxes, Insurance & Assessments on page 1 of the CD is $0 and non-escrowed estimated Property Costs Over Year 1 is blank. |  |  |  | Reviewer Comment (2025-11-13): SitusAMC received Letter of Explanation & Corrected Closing Disclosure.<br>Buyer Comment (2025-11-12): LOE<br>Reviewer Comment (2025-11-12): SitusAMC received Corrected CD. Missing copy of LOE to borrower which accompanied the PCCD to finalize cure.<br>Buyer Comment (2025-11-11): dosc uploaded |  | XX/XX/XXXX |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 758377 |  | 35266840 | XXXXXXXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $350.00 exceeds tolerance of $250.00 plus 10% or $275.00. Sufficient or excess cure was provided to the borrower at Closing. (0) |  |  |  |  | Reviewer Comment (2025-10-17): Sufficient Cure Provided At Closing |  | XX/XX/XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 961318 |  | 35266885 | XXXXXXXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | Please accept as is. |  |  |  | Reviewer Comment (2025-11-17): The client accepts as is. |  |  | XX/XX/XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 679278 |  | 35266890 | XXXXXXXXX | XX/XX/XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception at origination to allow borrower using self-employment income when the borrower has not been self-employed for at least 2 years. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | XX% BELOW guideline max.<br>FICO IS XXX | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-11-05): Lender exception in file. |  |  | XX/XX/XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 682338 |  | 35266895 | XXXXXXXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $1,563.33 exceeds tolerance of $1,260.00. Sufficient or excess cure was provided to the borrower at Closing. (8304) |  |  |  |  | Reviewer Comment (2025-11-06): Sufficient Cure Provided At Closing |  | XX/XX/XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 874573 |  | 35266903 | XXXXXXXXX | XX/XX/XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | 7 NSF's in last 12 months, lender exception in file. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | XX% BELOW guideline max.<br>Fico isXXX points above guideline minimum. | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-11-10): Lender exception in file. |  |  | XX/XX/XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 920271 |  | 35266919 | XXXXXXXXX | XX/XX/XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception to use Asset Utilization from an irrevocable trust account. Contingent upon Borrower must have 12 months reserves and a minimum of $10,000 residual income per month. Approval in file. | Borrower has verified disposable income of at least $2500.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | XX% BELOWXX% BELOW guideline max.<br>FICO IS XXX | Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-10-21): Lender exception in file. |  |  | XX/XX/XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 920271 |  | 35266920 | XXXXXXXXX | XX/XX/XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception to allow Title seasoning in the Trust be counted towards seasoning, provided the Borrower will be vesting into their personal name at closing. Contingent upon Borrower must have 12 months reserves and a minimum of $10,000 residual income per month. Approval in file. | Borrower has verified disposable income of at least $2500.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | XX% BELOWXX% BELOW guideline max.<br>FICO IS XXX | Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-10-21): Lender exception in file. |  |  | XX/XX/XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 153782 |  | 35266931 | XXXXXXXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Client restated to Non-QM, please accept as is. |  |  |  | Reviewer Comment (2025-12-16): The client reinstated the loan designation to Non-QM and accepts as is. |  |  | XX/XX/XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Non QM | No |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 842064 |  | 35266937 | XXXXXXXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $200.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (75103) |  |  |  |  | Reviewer Comment (2025-10-24): Sufficient Cure Provided At Closing |  | XX/XX/XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 839663 |  | 35266941 | XXXXXXXXX | XX/XX/XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Non-Arms Length transaction, and using credit supplement for VOR instead of standard mortgage/rental history docs which are required per guidelines. Lender exception in file. | Borrower has verified disposable income of at least $2500.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | XX% BELOW guideline max.<br>Fico idXXX points above guideline minimum. | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-10-28): Lender exception in file. |  |  | XX/XX/XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 360491 |  | 35266950 | XXXXXXXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Client restated loan designation to Non-QM, please accept as is. |  |  |  | Reviewer Comment (2025-11-18): Client accepts as is.<br>Seller Comment (2025-11-17): Loan has been restated as NQM. |  |  | XX/XX/XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Non QM | No |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 574607 |  | 35266962 | XXXXXXXXX | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (State High Cost) New York High-Cost Loan (Points and Fees) | New York Anti-Predatory Lending Statute: Points and Fees on subject loan of 6.45921% is in excess of the allowable maximum of 5.00000% of the Total Loan Amount. Points and Fees total $XXXX on a Total Loan Amount of $XXX,XXX vs. an allowable total of $XXXX(an overage of $XXXX or XX%). Non-Compliant High Cost Loan. | New York Anti-Predatory Lending Statute: Points and Fees on subject loan of 6.45921% is in excess of the allowable maximum of 5.00000% of the Total Loan Amount. Points and Fees total $XXXX on a Total Loan Amount of $XXX,XXX vs. an allowable total of $XXXX |  |  |  | Reviewer Comment (2025-11-19): SitusAMC received LOE, borrower choice to accept refund and make loan high cost, copy of refund check, proof of mailing and lender attestation confirming that the borrower was informed of the compliance failure and presented with the cure options in accordance with NY high-cost provisions.<br>Seller Comment (2025-11-17): Please see attached lender attestation.<br>Reviewer Comment (2025-11-06): The requirements of the NY high-cost standard cure provision require that the borrower be notified of the compliance failure and be given the choice to either (1) retain the loan as high-cost and cure any prohibited practice violations to make the loan compliant; or (2) make adjustments refund such that the loan is no longer considered high cost.<br>The letter provided to the consumer offers the option to either receive a refund or leave the loan "as-is" with updated disclosures and an amended mortgage with no express reference to making the loan non-high-cost or to retain it as high-cost and cure the violation. The letter to consumer references a prior conversation with the borrower, during which these options may have been discussed. If so, please provide an attestation confirming that the borrower was informed of the compliance failure and presented with the cure options in accordance with NY high-cost provisions.<br>For efficient review of future high-cost cures, please ensure that the Letter of Explanation (LOE) or borrower notification clearly references the compliance failure, and explicitly outlines the borrower's choice to either cure the loan to make it non-high-cost, or cure the loan to make it a compliant high-cost loan.<br>Reviewer Comment (2025-11-05): In compliance review.<br>Seller Comment (2025-11-03): Please see page 2 of the borrower letter previously uploaded on 10/24, which provides the borrower the opportunity to decline the refund option and instead the loan remains as structured and receive the necessary disclosures and documents to be compliant.<br>Reviewer Comment (2025-10-28): A lender of a high-cost home loan that, when acting in good faith, fails to comply with the provisions of this section, will not be deemed to have violated this section if the lender establishes that either:<br> (a) Within thirty days of the loan closing and prior to the institution of any action under this section, the borrower is notified of the compliance failure, appropriate restitution is made, and whatever adjustments are necessary are made to the loan to either, at the choice of the borrower, make the high-cost home loan satisfy the requirements of this section, or (ii) change the terms of the loan in a manner beneficial to the borrower so that the loan is no longer a high-cost home loan subject to the provisions of this section; or<br> (b) The compliance failure resulted from a bona fide error notwithstanding the maintenance of procedures reasonably adapted to avoid such errors and, within sixty days after the discovery of the compliance failure and prior to the institution of any action under this section or the receipt of written notice of the compliance failure, the borrower is notified of the compliance failure, appropriate restitution is made, and whatever adjustments are necessary are made to the loan to either, at the choice of the borrower, make the high-cost home loan satisfy the requirements of this section, or (ii) change the terms of the loan in a manner beneficial to the borrower so that the loan is no longer a high-cost home loan subject to the provisions of this section. Examples of a bona fide error include clerical, calculation, computer malfunction and programming, and printing errors. An error of legal judgment with respect to a person's obligations under this section is not a bona fide error.<br> While the lender provided the refund to the borrower, the only choice they gave the borrower was to either receive a refund (1) by check or (2) by principal reduction. These options do not align with the requirements of the cure provision above which requires the cure by the choice of the borrower with those options being (1) to keep the loan as high-cost and cure any prohibited practice violations thereby making the high-cost loan compliant); or (2) offer a refund to the borrower for the overage such that the loan is no longer high cost. Being we are now well outside the 30 days from consummation standard cure window, the bona fide cure under option (b) above becomes the only option to remediate.<br> To remediate under the bona fide cure above (b), we would require, within 60 days of discovery (XX/XX/XXXX):<br> (1) Legal opinion from originating lender with loan-specific details on how a high-cost loan was made despite procedures to prevent and confirms the failure constitutes a bona fide error for the jurisdiction in which the property is located, and (ii) that the lender has not received any notice from the borrower of the failure; <br> (2) procedures or explanation of controls in place to prevent such errors; <br> (3) client written approval accepting use of the bona fide error cure; <br> (4) signed borrower choice letter to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; <br> (5) If option 4(a) is selected, copy of refund check and proof of mailing; (we can use what has already been provided for this is borrower chooses refund)<br> (6) If option 4(b) is selected, proof of cure for each of the prohibited practice violations. <br> Note, a cure may not be accepted if the seller/lender has certified a fix has been made to their system and the same issue continues to occur after the fix has been put into place.<br>Seller Comment (2025-10-24): Please see attached evidence of refund of $1288.73 for remediation of high cost. AMC calculation appears to include seller fees as borrower charges (courier, postage, escrow user, title charges). These are actual seller fees from the seller CD, and are not borrower fees paid on behalf of the borrower by the seller. As such, these fees should be excluded from the calculation. |  | XX/XX/XXXX |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | Within 30 days of closing, provide: (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing (must be in transit with courier); (3) Assuming option (b) is selected, proof of cure for each of the prohibited practice violations noted.<br>(Limited Use Bona Fide Errors - Compliance and Client Approval Required) Within 60 days of discovery, provide: <br> (1) Legal opinion from originating lender with loan-specific details on how a high-cost loan was made despite procedures to prevent and confirms (i) the failure constitutes a bona fide error for the jurisdiction in which the property is located, and (ii) that the lender has not received any notice from the borrower of the failure; (2) procedures or explanation of controls in place to prevent such errors; (3) client written approval accepting use of the bona fide error cure; (4) signed borrower choice letter to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (5) If option 4(a) is selected, copy of refund check and proof of mailing; (6) If option 4(b) is selected, proof of cure for each of the prohibited practice violations. Note, a cure may not be accepted if the seller/lender has certified a fix has been made to their system and the same issue continues to occur after the fix has been put into place. | Non QM | Non QM | No |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 574607 |  | 35266965 | XXXXXXXXX | XX/XX/XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception to consider home without current stoves in each unit. Contingent upon each unit having hook-ups available which the appraiser must confirm. Approval in file. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | $4K residual income | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-11-05): Lender exception in file.<br>Seller Comment (2025-11-04): Exception is located on page 55 and appraisal with comments that both units have the required hookups is the last sentence on page 1003. |  |  | XX/XX/XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 867288 |  | 35266973 | XXXXXXXXX | XX/XX/XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception at origination to allow the exclusion of a mortgage debt that is paid by a third party with only 11 months of verified payments from the third party. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | $9K residual income<br>FICO IS XXX | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-10-28): Lender exception in file. |  |  | XX/XX/XXXX | 2 B | XX/XX/XXXX | XX | Second Home | Purchase | B A | Safe Harbor QM (APOR) | Non QM | No |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 867288 |  | 35266977 | XXXXXXXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Please accept as is. |  |  |  | Reviewer Comment (2025-12-04): Client accepts as is.<br>Seller Comment (2025-12-02): 12/2 - Loan restated as Non-QM. Client accepts as is. |  |  | XX/XX/XXXX | 2 B | XX/XX/XXXX | XX | Second Home | Purchase | B A | Safe Harbor QM (APOR) | Non QM | No |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 923178 |  | 35266982 | XXXXXXXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | Please accept as is. |  |  |  | Reviewer Comment (2025-11-20): Client accepts as is.<br>Seller Comment (2025-11-18): XX/XX - Loan restated to Higher-Priced. |  |  | XX/XX/XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 339842 |  | 35266988 | XXXXXXXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $90.00 exceeds tolerance of $65.00 plus 10% or $71.50. Sufficient or excess cure was provided to the borrower at Closing. (0) |  |  |  |  | Reviewer Comment (2025-11-03): Sufficient Cure Provided At Closing |  | XX/XX/XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Non QM | No |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 339842 |  | 35266989 | XXXXXXXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Please accept as is. |  |  |  | Reviewer Comment (2025-11-21): Client accepts as is.<br>Seller Comment (2025-11-19): 11/19 - Loan restated as Non-QM. |  |  | XX/XX/XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Non QM | No |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 273398 |  | 35267006 | XXXXXXXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Client restated loan designation to |  |  |  | Reviewer Comment (2025-12-09): The client accepts as is. |  |  | XX/XX/XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Non QM | No |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | 591835 |  | 35267012 | XXXXXXXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | Client restated to Higher Priced QM (APOR), please accept as is. |  |  |  | Reviewer Comment (2025-11-21): Client accepts as is.<br>Seller Comment (2025-11-19): 11/19 - Loan restated as Higher-Priced. |  |  | XX/XX/XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |

---

## Exhibit 99.6

![](situsamc_logo.jpg)

**Valuation Report**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Edgar IDs** | **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** |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 470659 | XX/XX/XXXX | $XXX,XXX | $XXX,XXX | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  | $XXX,XXX | $XX,XXX | 10.190% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXXXXXXXXX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 4.10 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 753720 | XX/XX/XXXX | $XXX,XXX |  | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  | $XXX,XXX | $0.00 | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXXXXXXXXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 3.70 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 543430 | XX/XX/XXXX | $XXX,XXX | $XXX,XXX | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  | $XXX,XXX | $0.00 | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXXXXXXXXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 1.80 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 369808 | XX/XX/XXXX | $XXX,XXX | $XXX,XXX | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  | $XXX,XXX | $XX,XXX | 1.490% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXXXXXXXXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.90 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 825025 | XX/XX/XXXX | $XXX,XXX |  | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  | $XXX,XXX | $0.00 | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXXXXXXXXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 848324 | XX/XX/XXXX | $XXX,XXX | $XXX,XXX | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 892090 | XX/XX/XXXX | $XXX,XXX |  | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  | $XXX,XXX | $XX,XXX | -8.670% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXXXXXXXXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 710714 | XX/XX/XXXX | $XXX,XXX |  | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  | $XXX,XXX | $0.00 | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXXXXXXXXX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.90 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 223911 | XX/XX/XXXX | $XXX,XXX | $XXX,XXX | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 180679 | XX/XX/XXXX | $XXX,XXX | $XXX,XXX | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 381182 | XX/XX/XXXX | $XXX,XXX |  | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 218333 | XX/XX/XXXX | $XXX,XXX | $XXX,XXX | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 620076 | XX/XX/XXXX | $XXX,XXX | $XXX,XXX | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 708509 | XX/XX/XXXX | $XXX,XXX |  | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 880651 | XX/XX/XXXX | $XXX,XXX | $XXX,XXX | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  | $XXX,XXX | $0.00 | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXXXXXXXXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.70 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 566685 | XX/XX/XXXX | $XXX,XXX |  | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 906628 | XX/XX/XXXX | $XXX,XXX |  | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  | $XXX,XXX | $0.00 | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXXXXXXXXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.80 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 816268 | XX/XX/XXXX | $XXX,XXX | $XXX,XXX | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  | $XXX,XXX | $0.00 | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXXXXXXXXX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 467924 | XX/XX/XXXX | $XXX,XXX | $XXX,XXX | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  | $XXX,XXX | $0.00 | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXXXXXXXXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.70 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 701569 | XX/XX/XXXX | $XXX,XXX | $XXX,XXX | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 687424 | XX/XX/XXXX | $XXX,XXX | $XXX,XXX | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  | $XXX,XXX | $0.00 | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXXXXXXXXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.70 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 152997 | XX/XX/XXXX | $XXX,XXX | $XXX,XXX | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  | $XXX,XXX | $XX,XXX | -2.680% | XX/XX/XXXX | XX/XX/XXXX | AVM | XXXXXXXXXXX | 0.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXX | $XXXX | -2.680% | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  | N/A |  |  |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 461258 | XX/XX/XXXX | $XXX,XXX | $XXX,XXX | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  | $XXX,XXX | $0.00 | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.50 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 969810 | XX/XX/XXXX | $XXX,XXX | $XXX,XXX | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 528307 | XX/XX/XXXX | $XXX,XXX | $XXX,XXX | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 913069 | XX/XX/XXXX | $XXX,XXX | $XXX,XXX | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  | $XXX,XXX | $0.00 | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXXXXXXXXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.30 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 552214 | XX/XX/XXXX | $XXX,XXX |  | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 159397 | XX/XX/XXXX | $XXX,XXX |  | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 193067 | XX/XX/XXXX | $XXX,XXX | $XXX,XXX | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 785551 | XX/XX/XXXX | $XXX,XXX | $XXX,XXX | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 761362 | XX/XX/XXXX | $XXX,XXX |  | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 502608 | XX/XX/XXXX | $XXX,XXX |  | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  | $XXX,XXX | $XX,XXX | -4.850% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXXXXXXXXX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.30 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 237135 | XX/XX/XXXX | $XXX,XXX |  | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 859517 | XX/XX/XXXX | $XXX,XXX | $XXX,XXX | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 173752 | XX/XX/XXXX | $XXX,XXX | $XXX,XXX | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  | $XXX,XXX | $0.00 | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXXXXXXXXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 220352 | XX/XX/XXXX | $XXX,XXX | $XXX,XXX | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  | $XXX,XXX | $0.00 | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXXXXXXXXX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 938766 | XX/XX/XXXX | $XXX,XXX |  | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  | $XXX,XXX | $XX,XXX | -6.460% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXXXXXXXXX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.20 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 760478 | XX/XX/XXXX | $XXX,XXX | $XXX,XXX | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  | $XXX,XXX | $0.00 | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXXXXXXXXX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 943914 | XX/XX/XXXX | $XXX,XXX | $XXX,XXX | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 231814 | XX/XX/XXXX | $XXX,XXX |  | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 875912 | XX/XX/XXXX | $XXX,XXX |  | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 290070 | XX/XX/XXXX | $XXX,XXX | $XXX,XXX | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 960118 | XX/XX/XXXX | $XXX,XXX | $XXX,XXX | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 504010 | XX/XX/XXXX | $XXX,XXX |  | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 315290 | XX/XX/XXXX | $XXX,XXX | $XXX,XXX | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 630377 | XX/XX/XXXX | $XXX,XXX | $XXX,XXX | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 356086 | XX/XX/XXXX | $XXX,XXX | $XXX,XXX | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 347094 | XX/XX/XXXX | $XXX,XXX | $XXX,XXX | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  | $XXX,XXX | $0.00 | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXXXXXXXXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 205563 | XX/XX/XXXX | $XXX,XXX | $XXX,XXX | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  | $XXX,XXX | $0.00 | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXXXXXXXXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.80 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 214202 | XX/XX/XXXX | $XXX,XXX |  | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 914956 | XX/XX/XXXX | $XXX,XXX |  | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 862912 | XX/XX/XXXX | $XXX,XXX | $XXX,XXX | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 988973 | XX/XX/XXXX | $XXX,XXX |  | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 797347 | XX/XX/XXXX | $XXX,XXX | $XXX,XXX | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  | $XXX,XXX | $0.00 | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXXXXXXXXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.20 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 578856 | XX/XX/XXXX | $XXX,XXX | $XXX,XXX | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 857558 | XX/XX/XXXX | $XXX,XXX | $XXX,XXX | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 972604 | XX/XX/XXXX | $XXX,XXX |  | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  | $XXX,XXX | $0.00 | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXXX |  |  | $XXXX | $XXXX | 1.350% | XXXX | 0.08 | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 843460 | XX/XX/XXXX | $XXX,XXX | $XXX,XXX | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 655280 | XX/XX/XXXX | $XXX,XXX | $XXX,XXX | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 892083 | XX/XX/XXXX | $XXX,XXX |  | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 222132 | XX/XX/XXXX | $XXX,XXX | $XXX,XXX | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 561858 | XX/XX/XXXX | $XXX,XXX |  | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 838385 | XX/XX/XXXX | $XXX,XXX | $XXX,XXX | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 332402 | XX/XX/XXXX | $XXX,XXX | $XXX,XXX | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  | $XXX,XXX | $XX,XXX | -6.250% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXXXXXXXXX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.00 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 336554 | XX/XX/XXXX | $XXX,XXX | $XXX,XXX | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 213012 | XX/XX/XXXX | $XXX,XXX |  | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 728664 | XX/XX/XXXX | $XXX,XXX |  | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 382558 | XX/XX/XXXX | $XXX,XXX | $XXX,XXX | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  | $XXX,XXX | $0.00 | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXXXXXXXXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 882204 | XX/XX/XXXX | $XXX,XXX |  | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  | $XXX,XXX | $0.00 | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXXXXXXXXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.80 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 555110 | XX/XX/XXXX | $XXX,XXX |  | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  | $XXX,XXX | $XX,XXX | -5.060% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXXXXXXXXX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.70 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 388987 | XX/XX/XXXX | $XXX,XXX | $XXX,XXX | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 338255 | XX/XX/XXXX | $XXX,XXX | $XXX,XXX | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 114668 | XX/XX/XXXX | $XXX,XXX | $XXX,XXX | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 434488 | XX/XX/XXXX | $XXX,XXX |  | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 689485 | XX/XX/XXXX | $XXX,XXX | $XXX,XXX | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 207916 | XX/XX/XXXX | $XXX,XXX | $XXX,XXX | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 100911 | XX/XX/XXXX | $XXX,XXX |  | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  | $XXX,XXX | $0.00 | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXXXXXXXXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.90 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 263871 | XX/XX/XXXX | $XXX,XXX |  | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  | $XXX,XXX | $0.00 | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXXXXXXXXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 561656 | XX/XX/XXXX | $XXX,XXX |  | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 117040 | XX/XX/XXXX | $XXX,XXX |  | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  | $XXX,XXX | $0.00 | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXXXXXXXXX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.20 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 309126 | XX/XX/XXXX | $XXX,XXX | $XXX,XXX | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 128041 | XX/XX/XXXX | $XXX,XXX | $XXX,XXX | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 347611 | XX/XX/XXXX | $XXX,XXX | $XXX,XXX | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  | $XXX,XXX | $0.00 | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXXXXXXXXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 574414 | XX/XX/XXXX | $XXX,XXX |  | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 896351 | XX/XX/XXXX | $XXX,XXX | $XXX,XXX | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 234054 | XX/XX/XXXX | $XXX,XXX | $XXX,XXX | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 120366 | XX/XX/XXXX | $XXX,XXX | $XXX,XXX | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 717558 | XX/XX/XXXX | $XXX,XXX | $XXX,XXX | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  | $XXX,XXX | $0.00 | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXXXXXXXXX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 983635 | XX/XX/XXXX | $XXX,XXX | $XXX,XXX | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  | $XXX,XXX | $0.00 | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXXXXXXXXX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 287072 | XX/XX/XXXX | $XXX,XXX | $XXX,XXX | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 700966 | XX/XX/XXXX | $XXX,XXX |  | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 371315 | XX/XX/XXXX | $XXX,XXX |  | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  | $XXX,XXX | $0.00 | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXXXXXXXXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.90 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 168004 | XX/XX/XXXX | $XXX,XXX | $XXX,XXX | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 584132 | XX/XX/XXXX | $XXX,XXX | $XXX,XXX | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 429347 | XX/XX/XXXX | $XXX,XXX | $XXX,XXX | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 952221 | XX/XX/XXXX | $XXX,XXX |  | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  | $XXX,XXX | $0.00 | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXXXXXXXXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 579046 | XX/XX/XXXX | $XXX,XXX | $XXX,XXX | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  | $XXX,XXX | $0.00 | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXXXXXXXXX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 999.00 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 467344 | XX/XX/XXXX | $XXX,XXX |  | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 294360 | XX/XX/XXXX | $XXX,XXX | $XXX,XXX | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  | $XXX,XXX | $0.00 | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXXXXXXXXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 870612 | XX/XX/XXXX | $XXX,XXX | $XXX,XXX | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  | $XXX,XXX | $0.00 | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXXXXXXXXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 866818 | XX/XX/XXXX | $XXX,XXX | $XXX,XXX | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  | $XXX,XXX | $XX,XXX | -5.980% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXXXXXXXXX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.90 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 828635 | XX/XX/XXXX | $XXX,XXX | $XXX,XXX | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  | $XXX,XXX | $0.00 | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXXXXXXXXX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.50 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 274346 | XX/XX/XXXX | $XXX,XXX |  | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 567844 | XX/XX/XXXX | $XXX,XXX | $XXX,XXX | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 498366 | XX/XX/XXXX | $XXX,XXX |  | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  | $XXX,XXX | $0.00 | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXXXXXXXXX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.70 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 954124 | XX/XX/XXXX | $XXX,XXX | $XXX,XXX | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 485932 | XX/XX/XXXX | $XXX,XXX |  | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 897074 | XX/XX/XXXX | $XXX,XXX |  | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 625294 | XX/XX/XXXX | $XXX,XXX |  | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 382887 | XX/XX/XXXX | $XXX,XXX | $XXX,XXX | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 267395 | XX/XX/XXXX | $XXX,XXX |  | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 377354 | XX/XX/XXXX | $XXX,XXX | $XXX,XXX | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  | $XXX,XXX | $0.00 | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXXXXXXXXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.80 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 906865 | XX/XX/XXXX | $XXX,XXX |  | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 106573 | XX/XX/XXXX | $XXX,XXX |  | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 841885 | XX/XX/XXXX | $XXX,XXX | $XXX,XXX | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  | $XXX,XXX | $0.00 | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXXXXXXXXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 636674 | XX/XX/XXXX | $XXX,XXX |  | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  | $XXX,XXX | $0.00 | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXXXXXXXXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 155284 | XX/XX/XXXX | $XXX,XXX | $XXX,XXX | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  | $XXX,XXX | $0.00 | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXXXXXXXXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.80 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 509803 | XX/XX/XXXX | $XXX,XXX |  | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 192322 | XX/XX/XXXX | $XXX,XXX | $XXX,XXX | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 485714 | XX/XX/XXXX | $XXX,XXX |  | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  | $XXX,XXX | $0.00 | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXXXXXXXXX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 353837 | XX/XX/XXXX | $XXX,XXX | $XXX,XXX | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 323546 | XX/XX/XXXX | $XXX,XXX | $XXX,XXX | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 146981 | XX/XX/XXXX | $XXX,XXX | $XXX,XXX | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 407543 | XX/XX/XXXX | $XXX,XXX | $XXX,XXX | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  | $XXX,XXX | $0.00 | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXXXXXXXXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.80 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 193915 | XX/XX/XXXX | $XXX,XXX |  | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 581264 | XX/XX/XXXX | $XXX,XXX |  | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 803142 | XX/XX/XXXX | $XXX,XXX |  | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  | $XXX,XXX | $0.00 | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXXXXXXXXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.10 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 749788 | XX/XX/XXXX | $XXX,XXX | $XXX,XXX | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 846793 | XX/XX/XXXX | $XXX,XXX | $XXX,XXX | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 175841 | XX/XX/XXXX | $XXX,XXX |  | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 196819 | XX/XX/XXXX | $XXX,XXX |  | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 391399 | XX/XX/XXXX | $XXX,XXX | $XXX,XXX | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 502880 | XX/XX/XXXX | $XXX,XXX | $XXX,XXX | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  | $XXX,XXX | $0.00 | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXXXXXXXXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.00 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 986111 | XX/XX/XXXX | $XXX,XXX |  | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 797875 | XX/XX/XXXX | $XXX,XXX |  | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 147479 | XX/XX/XXXX | $XXX,XXX | $XXX,XXX | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 826588 | XX/XX/XXXX | $XXX,XXX |  | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 620080 | XX/XX/XXXX | $XXX,XXX | $XXX,XXX | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 132978 | XX/XX/XXXX | $XXX,XXX | $XXX,XXX | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 882686 | XX/XX/XXXX | $XXX,XXX |  | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  | $XXX,XXX | $0.00 | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXXXXXXXXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.10 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 770812 | XX/XX/XXXX | $XXX,XXX | $XXX,XXX | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 827990 | XX/XX/XXXX | $XXX,XXX | $XXX,XXX | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 635363 | XX/XX/XXXX | $XXX,XXX | $XXX,XXX | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  | $XXX,XXX | $0.00 | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXXXXXXXXX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 999.00 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 356342 | XX/XX/XXXX | $XXX,XXX |  | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 517680 | XX/XX/XXXX | $XXX,XXX | $XXX,XXX | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 853491 | XX/XX/XXXX | $XXX,XXX | $XXX,XXX | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  | $XXX,XXX | $0.00 | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXXXXXXXXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 999.00 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 473923 | XX/XX/XXXX | $XXX,XXX |  | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 294757 | XX/XX/XXXX | $XXX,XXX |  | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  | $XXX,XXX | $0.00 | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXXXXXXXXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.90 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 426991 | XX/XX/XXXX | $XXX,XXX |  | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 239637 | XX/XX/XXXX | $XXX,XXX | $XXX,XXX | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  | $XXX,XXX | $0.00 | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXXXXXXXXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.70 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 914796 | XX/XX/XXXX | $XXX,XXX |  | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 273864 | XX/XX/XXXX | $XXX,XXX | $XXX,XXX | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  | $XXX,XXX | $0.00 | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXXXXXXXXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.00 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 905239 | XX/XX/XXXX | $XXX,XXX | $XXX,XXX | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 192489 | XX/XX/XXXX | $XXX,XXX | $XXX,XXX | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 724978 | XX/XX/XXXX | $XXX,XXX |  | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  | $XXX,XXX | $0.00 | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXXXXXXXXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.80 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 289051 | XX/XX/XXXX | $XXX,XXX | $XXX,XXX | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  | $XXX,XXX | $0.00 | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXXXXXXXXX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 976251 | XX/XX/XXXX | $XXX,XXX |  | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 120534 | XX/XX/XXXX | $XXX,XXX | $XXX,XXX | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  | $XXX,XXX | $0.00 | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXXXXXXXXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 942996 | XX/XX/XXXX | $XXX,XXX | $XXX,XXX | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 970987 | XX/XX/XXXX | $XXX,XXX | $XXX,XXX | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 144502 | XX/XX/XXXX | $XXX,XXX | $XXX,XXX | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  | $XXX,XXX | $0.00 | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXXXXXXXXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 897820 | XX/XX/XXXX | $XXX,XXX |  | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 276850 | XX/XX/XXXX | $XXX,XXX | $XXX,XXX | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  | $XXX,XXX | $0.00 | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXXXXXXXXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 803279 | XX/XX/XXXX | $XXX,XXX | $XXX,XXX | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 157709 | XX/XX/XXXX | $XXX,XXX |  | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 223684 | XX/XX/XXXX | $XXX,XXX | $XXX,XXX | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 482097 | XX/XX/XXXX | $XXX,XXX |  | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  | $XXX,XXX | $0.00 | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXXXXXXXXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 662099 | XX/XX/XXXX | $XXX,XXX |  | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 166369 | XX/XX/XXXX | $XXX,XXX |  | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 942690 | XX/XX/XXXX | $XXX,XXX | $XXX,XXX | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  | $XXX,XXX | $0.00 | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXXXXXXXXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 608115 | XX/XX/XXXX | $XXX,XXX |  | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  | $XXX,XXX | $0.00 | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXXXXXXXXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 338655 | XX/XX/XXXX | $XXX,XXX |  | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 903487 | XX/XX/XXXX | $XXX,XXX |  | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 657491 | XX/XX/XXXX | $XXX,XXX | $XXX,XXX | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  | $XXX,XXX | $0.00 | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXXXXXXXXX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 942774 | XX/XX/XXXX | $XXX,XXX | $XXX,XXX | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  | $XXX,XXX | $0.00 | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXXXXXXXXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 758377 | XX/XX/XXXX | $XXX,XXX | $XXX,XXX | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  | $XXX,XXX | $0.00 | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXXXXXXXXX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.00 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 822006 | XX/XX/XXXX | $XXX,XXX | $XXX,XXX | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  | $XXX,XXX | $0.00 | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXXXXXXXXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 758772 | XX/XX/XXXX | $XXX,XXX | $XXX,XXX | $XXX,XXX |  | $50000.00 | 1.820% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  | $XXX,XXX | $0.00 | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXXX |  |  |  |  |  |  |  |  | $XXXX | $XXXX | 1.820% | XXXX | Low | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 324296 | XX/XX/XXXX | $XXX,XXX | $XXX,XXX | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 259999 | XX/XX/XXXX | $XXX,XXX | $XXX,XXX | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 769047 | XX/XX/XXXX | $XXX,XXX | $XXX,XXX | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 250085 | XX/XX/XXXX | $XXX,XXX | $XXX,XXX | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 778911 | XX/XX/XXXX | $XXX,XXX |  | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 288356 | XX/XX/XXXX | $XXX,XXX | $XXX,XXX | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 598114 | XX/XX/XXXX | $XXX,XXX |  | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  | $XXX,XXX | $0.00 | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXXXXXXXXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 814551 | XX/XX/XXXX | $XXX,XXX |  | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 194301 | XX/XX/XXXX | $XXX,XXX | $XXX,XXX | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 961318 | XX/XX/XXXX | $XXX,XXX |  | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 679278 | XX/XX/XXXX | $XXX,XXX | $XXX,XXX | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 953247 | XX/XX/XXXX | $XXX,XXX |  | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  | $XXX,XXX | $0.00 | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXXXXXXXXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 682338 | XX/XX/XXXX | $XXX,XXX |  | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 877257 | XX/XX/XXXX | $XXX,XXX |  | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 874573 | XX/XX/XXXX | $XXX,XXX |  | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 428148 | XX/XX/XXXX | $XXX,XXX | $XXX,XXX | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 322331 | XX/XX/XXXX | $XXX,XXX |  | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 730623 | XX/XX/XXXX | $XXX,XXX | $XXX,XXX | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  | $XXX,XXX | $0.00 | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXXXXXXXXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 920271 | XX/XX/XXXX | $XXX,XXX |  | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  | $XXX,XXX | $0.00 | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXXXXXXXXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.90 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 153782 | XX/XX/XXXX | $XXX,XXX |  | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  | $XXX,XXX | $0.00 | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXXXXXXXXX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 842064 | XX/XX/XXXX | $XXX,XXX |  | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 839663 | XX/XX/XXXX | $XXX,XXX | $XXX,XXX | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 360491 | XX/XX/XXXX | $XXX,XXX | $XXX,XXX | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 720245 | XX/XX/XXXX | $XXX,XXX |  | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 574607 | XX/XX/XXXX | $XXX,XXX | $XXX,XXX | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  | $XXX,XXX | $0.00 | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXXXXXXXXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 867288 | XX/XX/XXXX | $XXX,XXX | $XXX,XXX | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 923178 | XX/XX/XXXX | $XXX,XXX | $XXX,XXX | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  | $XXX,XXX | $0.00 | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXXXXXXXXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.20 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 339842 | XX/XX/XXXX | $XXX,XXX | $XXX,XXX | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 160676 | XX/XX/XXXX | $XXX,XXX | $XXX,XXX | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  | $XXX,XXX | $0.00 | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXXXXXXXXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 788067 | XX/XX/XXXX | $XXX,XXX | $XXX,XXX | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 273398 | XX/XX/XXXX | $XXX,XXX |  | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 591835 | XX/XX/XXXX | $XXX,XXX |  | $XXX,XXX |  | $0.00 | 0.000% | $XXX,XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXXXXXXXX | XXXXXXXXXXX | XXXXXX |  | $XXX,XXX | $0.00 | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXXXXXXXXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.60 |

---

## Exhibit 99.6

![](situsamc_logo.jpg)

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Data Compare (Non-Ignored)** | **Data Compare (Non-Ignored)** | **Data Compare (Non-Ignored)** | **Data Compare (Non-Ignored)** | **Data Compare (Non-Ignored)** |  |  |  |  |  |
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Servicer Loan ID** | **Edgar IDs** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Compare Status** | **Comment** |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 470659 | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 753720 | Refi Purpose | Limited Cash-out GSE | Rate/Term | Verified | Field Value reflects borrower receiving cash out and/or paying off debts<br> > $2,000 or 2% of loan amount per HUD-1/CD |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 753720 | Investor: Qualifying Total Debt Ratio | XX.XX | XX.XX | Verified | Field Value DTI matches approval DTI. |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 543430 | Borrower Last Name | XXXXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 543430 | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 543430 | Contract Sales Price | XXXXXX.XX | XXXXXX.XX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 543430 | LTV Valuation Value | XXXXXX.XX | XXXXXX.XX | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 369808 | Original Term |  | XXX | Verified | Field Value reflects the Note value |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 369808 | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 369808 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 369808 | Representative FICO | XXX | XXX | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 369808 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 369808 | Appraised Value | XXXXXX.XX | XXXXXX.XX | Verified | Field Value captured from Valuation model in file |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 369808 | Contract Sales Price |  | XXXXXX.XX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 369808 | Originator Loan Designation | N/A | Non QM | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 369808 | Guideline Name |  | XXXXXXXXXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 825025 | Original Term |  | XXX | Verified | Field Value reflects the Note value |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 825025 | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 825025 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 825025 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 825025 | Originator Loan Designation | N/A | Non QM | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 825025 | Guideline Name |  | XXXXXXXXXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 848324 | Original Term |  | XXX | Verified | Unable to verify due to missing information |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 848324 | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 848324 | Amortization Type |  | Fixed | Verified | Unable to verify due to missing information |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 848324 | Lien Position |  | 1 | Verified | Unable to verify due to missing information |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 848324 | Contract Sales Price |  | XXXXXX.XX | Verified | Unable to verify due to missing information |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 848324 | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Unable to verify due to missing information |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 848324 | Guideline Name |  | XXXXXXXXXXXXXXXXXXXXXXXX | Verified | Unable to verify due to missing information |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 892090 | Original Term |  | XXX | Verified | Field Value reflects the Note value |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 892090 | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 892090 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 892090 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 892090 | Originator Loan Designation | N/A | Non QM | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 892090 | Guideline Name |  | XXXXXXXXXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 710714 | Original Term |  | XXX | Verified | Field Value reflects the Note value |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 710714 | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 710714 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 710714 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 710714 | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 710714 | Guideline Name |  | XXXXXXXXXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 223911 | Original Term |  | XXX | Verified | Field Value reflects the Note value |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 223911 | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 223911 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 223911 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 223911 | Contract Sales Price |  | XXXXXX.XX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 223911 | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 223911 | Guideline Name |  | XXXXXXXXXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 180679 | Original Term |  | XXX | Verified | Field Value reflects the Note value |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 180679 | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 180679 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 180679 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 180679 | Contract Sales Price |  | XXXXXX.XX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 180679 | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 180679 | Investor: Qualifying Total Debt Ratio | XX.XX | XX.XX | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 180679 | Guideline Name |  | XXXXXXXXXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 381182 | Zip | XXXXXX | XXXXXX | Verified | Field Value reflects Zip per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 381182 | Original Term |  | XXX | Verified | Field Value reflects the Note value |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 381182 | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 381182 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 381182 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 381182 | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 381182 | Guideline Name |  | XXXXXXXXXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 218333 | Original Term |  | XXX | Verified | Field Value reflects the Note value |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 218333 | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 218333 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 218333 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 218333 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 218333 | Contract Sales Price |  | XXXXXX.XX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 218333 | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 218333 | Guideline Name |  | XXXXXXXXXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 620076 | Original Term |  | XXX | Verified | Field Value reflects the Note value |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 620076 | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 620076 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 620076 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 620076 | Contract Sales Price |  | XXXXXX.XX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 620076 | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 620076 | Guideline Name |  | XXXXXXXXXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 708509 | Original Term |  | XXX | Verified | Field Value reflects the Note value |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 708509 | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 708509 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 708509 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 708509 | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 708509 | Guideline Name |  | XXXXXXXXXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 880651 | Original Term |  | XXX | Verified | Field Value reflects the Note value |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 880651 | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 880651 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 880651 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 880651 | Contract Sales Price |  | XXXXXX.XX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 880651 | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 880651 | Guideline Name |  | XXXXXXXXXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 566685 | Original Term |  | XXX | Verified | Field Value reflects the Note value |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 566685 | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 566685 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 566685 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 566685 | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 566685 | Guideline Name |  | XXXXXXXXXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 906628 | Zip | XXXXXX | XXXXXX | Verified | Field Value reflects Zip per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 906628 | Original Term |  | XXX | Verified | Field Value reflects the Note value |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 906628 | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 906628 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 906628 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 906628 | Originator Loan Designation | N/A | Non QM | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 906628 | Guideline Name |  | XXXXXXXXXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 816268 | Original Term |  | XXX | Verified | Field Value reflects the Note value |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 816268 | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 816268 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 816268 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 816268 | Contract Sales Price |  | XXXXXX.XX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 816268 | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 816268 | Guideline Name |  | XXXXXXXXXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 467924 | Zip | XXXXXX | XXXXXX | Verified | Field Value reflects Zip per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 467924 | Original Term |  | XXX | Verified | Field Value reflects the Note value |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 467924 | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 467924 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 467924 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 467924 | Contract Sales Price |  | XXXXXX.XX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 467924 | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 467924 | Guideline Name |  | XXXXXXXXXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 701569 | Original Term |  | XXX | Verified | Field Value reflects the Note value |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 701569 | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 701569 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 701569 | Representative FICO | XXX | XXX |  |  |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 701569 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 701569 | Contract Sales Price |  | XXXXXX.XX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 701569 | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 701569 | Guideline Name |  | XXXXXXXXXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 687424 | Original Term |  | XXX | Verified | Field Value reflects the Note value |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 687424 | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 687424 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 687424 | Representative FICO | XXX | XXX | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 687424 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 687424 | Contract Sales Price |  | XXXXXX.XX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 687424 | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 687424 | Guideline Name |  | XXXXXXXXXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 152997 | Original Term |  | XXX | Verified | Field Value reflects the Note value |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 152997 | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 152997 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 152997 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 152997 | Contract Sales Price |  | XXXXXX.XX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 152997 | Originator Loan Designation | N/A | Higher Priced QM (APOR) | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 152997 | Guideline Name |  | XXXXXXXXXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 461258 | Original Term |  | XXX | Verified | Field Value reflects the Note value |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 461258 | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 461258 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 461258 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 461258 | Contract Sales Price |  | XXXXXX.XX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 461258 | Originator Loan Designation | N/A | Non QM | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 461258 | Guideline Name |  | XXXXXXXXXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 969810 | Originator Loan Designation | N/A | Higher Priced QM (APOR) | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 528307 | Original Term |  | XXX | Verified | Field Value reflects the Note value |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 528307 | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 528307 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 528307 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 528307 | Contract Sales Price |  | XXXXXX.XX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 528307 | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 528307 | Guideline Name |  | XXXXXXXXXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 913069 | Original Term |  | XXX | Verified | Field Value reflects the Note value |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 913069 | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 913069 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 913069 | Property Type | Condo (Low Rise) | Condo (High Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 913069 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 913069 | Contract Sales Price |  | XXXXXX.XX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 913069 | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 913069 | Guideline Name |  | XXXXXXXXXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 552214 | Original Term |  | XXX | Verified | Field Value reflects the Note value |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 552214 | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 552214 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 552214 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 552214 | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 552214 | Guideline Name |  | XXXXXXXXXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 159397 | Original Term |  | XXX | Verified | Field Value reflects the Note value |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 159397 | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 159397 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 159397 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 159397 | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 159397 | Guideline Name |  | XXXXXXXXXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 193067 | Original Term |  | XXX | Verified | Field Value reflects the Note value |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 193067 | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 193067 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 193067 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 193067 | Contract Sales Price |  | XXXXXX.XX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 193067 | Originator Loan Designation | N/A | Non QM | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 193067 | Guideline Name |  | XXXXXXXXXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 785551 | Original Term |  | XXX | Verified | Field Value reflects the Note value |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 785551 | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 785551 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 785551 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 785551 | Contract Sales Price |  | XXXXXX.XX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 785551 | Originator Loan Designation | N/A | Higher Priced QM (APOR) | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 785551 | Guideline Name |  | XXXXXXXXXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 761362 | Original Term |  | XXX | Verified | Field Value reflects the Note value |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 761362 | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 761362 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 761362 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 761362 | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 761362 | Guideline Name |  | XXXXXXXXXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 502608 | Original Term |  | XXX | Verified | Field Value reflects the Note value |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 502608 | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 502608 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 502608 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 502608 | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 502608 | Guideline Name |  | XXXXXXXXXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 237135 | Original Term |  | XXX | Verified | Field Value reflects the Note value |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 237135 | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 237135 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 237135 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 237135 | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 237135 | Guideline Name |  | XXXXXXXXXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 859517 | Original Term |  | XXX | Verified | Field Value reflects the Note value |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 859517 | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 859517 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 859517 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 859517 | Contract Sales Price |  | XXXXXX.XX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 859517 | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 859517 | Guideline Name |  | XXXXXXXXXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 173752 | Original Term |  | XXX | Verified | Field Value reflects the Note value |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 173752 | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 173752 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 173752 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 173752 | Contract Sales Price |  | XXXXXX.XX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 173752 | Originator Loan Designation | N/A | Non QM | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 173752 | Guideline Name |  | XXXXXXXXXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 220352 | Original Term |  | XXX | Verified | Field Value reflects the Note value |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 220352 | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 220352 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 220352 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 220352 | Contract Sales Price |  | XXXXXX.XX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 220352 | Originator Loan Designation | N/A | Non QM | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 220352 | Guideline Name |  | XXXXXXXXXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 938766 | Original Term |  | XXX | Verified | Field Value reflects the Note value |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 938766 | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 938766 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 938766 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 938766 | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 938766 | Investor: Qualifying Total Debt Ratio | XX.XX | XX.XX | Verified | The Field Value DTI is in line with the 1008 DTI of XX%. Less than 2% difference. |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 938766 | Guideline Name |  | XXXXXXXXXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 760478 | Original Term |  | XXX | Verified | Field Value reflects the Note value |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 760478 | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 760478 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 760478 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 760478 | Contract Sales Price |  | XXXXXX.XX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 760478 | Originator Loan Designation | N/A | Non QM | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 760478 | Guideline Name |  | XXXXXXXXXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 943914 | Original Term |  | XXX | Verified | Field Value reflects the Note value |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 943914 | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 943914 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 943914 | Representative FICO | XXX | XXX | Verified | Guides allow the score from the primary wage earner to be used. |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 943914 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 943914 | Contract Sales Price |  | XXXXXX.XX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 943914 | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 943914 | Guideline Name |  | XXXXXXXXXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 231814 | Zip | XXXXXX | XXXXXX | Verified | Unable to verify due to missing information |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 231814 | Original Term |  | XXX | Verified | Unable to verify due to missing information |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 231814 | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 231814 | Amortization Type |  | Fixed | Verified | Unable to verify due to missing information |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 231814 | Lien Position |  | 1 | Verified | Unable to verify due to missing information |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 231814 | Guideline Name |  | XXXXXXXXXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 875912 | Original Term |  | XXX | Verified | Field Value reflects the Note value |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 875912 | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 875912 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 875912 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 875912 | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 875912 | Guideline Name |  | XXXXXXXXXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 290070 | Original Term |  | XXX | Verified | Field Value reflects the Note value |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 290070 | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 290070 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 290070 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 290070 | Contract Sales Price |  | XXXXXX.XX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 290070 | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 290070 | Guideline Name |  | XXXXXXXXXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 960118 | Original Term |  | XXX | Verified | Field Value reflects the Note value |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 960118 | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 960118 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 960118 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 960118 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 960118 | Contract Sales Price |  | XXXXXX.XX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 960118 | Originator Loan Designation | N/A | Non QM | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 960118 | Guideline Name |  | XXXXXXXXXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 504010 | Zip | XXXXXX | XXXXXX | Verified | Field Value reflects Zip per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 504010 | Original Term |  | XXX | Verified | Field Value reflects the Note value |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 504010 | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 504010 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 504010 | Representative FICO | XXX | XXX | Verified | Field Value Representative FICO reflects the lowest mid score of the highest wage earner |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 504010 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 504010 | Originator Loan Designation | N/A | Non QM | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 504010 | Guideline Name |  | XXXXXXXXXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 315290 | Original Term |  | XXX | Verified | Field Value reflects the Note value |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 315290 | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 315290 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 315290 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 315290 | Contract Sales Price |  | XXXXXX.XX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 315290 | Originator Loan Designation | N/A | Non QM | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 315290 | Guideline Name |  | XXXXXXXXXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 630377 | City | XXXXXXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Verified | Field Value reflects City per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 630377 | Zip | XXXXXX | XXXXXX | Verified | Field Value reflects Zip per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 630377 | Original Term |  | XXX | Verified | Field Value reflects the Note value |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 630377 | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 630377 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 630377 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 630377 | Contract Sales Price |  | XXXXXX.XX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 630377 | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 630377 | Guideline Name |  | XXXXXXXXXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 356086 | Zip | XXXXXX | XXXXXX | Verified | Field Value reflects Zip per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 356086 | Original Term |  | XXX | Verified | Field Value reflects the Note value |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 356086 | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 356086 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 356086 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 356086 | Contract Sales Price |  | XXXXXX.XX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 356086 | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 356086 | Guideline Name |  | XXXXXXXXXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 347094 | Zip | XXXXXX | XXXXXX | Verified | Field Value reflects Zip per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 347094 | Original Term |  | XXX | Verified | Field Value reflects the Note value |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 347094 | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 347094 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 347094 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 347094 | Contract Sales Price |  | XXXXXX.XX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 347094 | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 347094 | Guideline Name |  | XXXXXXXXXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 205563 | Original Term |  | XXX | Verified | Field Value reflects the Note value |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 205563 | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 205563 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 205563 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 205563 | Contract Sales Price |  | XXXXXX.XX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 205563 | Originator Loan Designation | N/A | Higher Priced QM (APOR) | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 205563 | Guideline Name |  | XXXXXXXXXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 214202 | Original Term |  | XXX | Verified | Field Value reflects the Note value |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 214202 | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 214202 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 214202 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 214202 | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 214202 | Guideline Name |  | XXXXXXXXXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 914956 | Zip | XXXXXX | XXXXXX | Verified | Field Value reflects Zip per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 914956 | Original Term |  | XXX | Verified | Field Value reflects the Note value |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 914956 | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 914956 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 914956 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 914956 | Originator Loan Designation | N/A | Non QM | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 914956 | Guideline Name |  | XXXXXXXXXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 862912 | Original Term |  | XXX | Verified | Field Value reflects the Note value |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 862912 | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 862912 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 862912 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 862912 | Contract Sales Price |  | XXXXXX.XX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 862912 | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 862912 | Guideline Name |  | XXXXXXXXXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 988973 | Zip | XXXXXX | XXXXXX | Verified | Field Value reflects Zip per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 988973 | Original Term |  | XXX | Verified | Field Value reflects the Note value |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 988973 | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 988973 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 988973 | Representative FICO | XXX | XXX |  |  |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 988973 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 988973 | Originator Loan Designation | N/A | Non QM | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 988973 | Guideline Name |  | XXXXXXXXXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 797347 | Original Term |  | XXX | Verified | Field Value reflects the Note value |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 797347 | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 797347 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 797347 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 797347 | Contract Sales Price |  | XXXXXX.XX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 797347 | Originator Loan Designation | N/A | Higher Priced QM (APOR) | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 797347 | Guideline Name |  | XXXXXXXXXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 578856 | Original Term |  | XXX | Verified | Field Value reflects the Note value |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 578856 | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 578856 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 578856 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 578856 | Contract Sales Price |  | XXXXXX.XX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 578856 | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 578856 | Guideline Name |  | XXXXXXXXXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 857558 | Original Term |  | XXX | Verified | Field Value reflects the Note value |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 857558 | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 857558 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 857558 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 857558 | Contract Sales Price |  | XXXXXX.XX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 857558 | Originator Loan Designation | N/A | Non QM | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 857558 | Guideline Name |  | XXXXXXXXXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 972604 | Original Term |  | XXX | Verified | Field Value reflects the Note value |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 972604 | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 972604 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 972604 | Property Type | Single Family Detached | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 972604 | Interest Only Period |  | XXX | Verified | Field Value reflects 'Interest Only Period' per the Note rider |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 972604 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 972604 | Investor: Qualifying Total Debt Ratio | XX.XX | XX.XX | Verified | 49.7 is accurate dti |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 972604 | Guideline Name |  | XXXXXXXXXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 843460 | Original Term |  | XXX | Verified | Field Value reflects the Note value |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 843460 | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 843460 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 843460 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 843460 | Contract Sales Price |  | XXXXXX.XX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 843460 | Originator Loan Designation | N/A | Non QM | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 843460 | Guideline Name |  | XXXXXXXXXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 655280 | Original Term |  | XXX | Verified | Field Value reflects the Note value |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 655280 | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 655280 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 655280 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 655280 | Contract Sales Price |  | XXXXXX.XX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 655280 | Originator Loan Designation | N/A | Non QM | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 655280 | Guideline Name |  | XXXXXXXXXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 892083 | Original Term |  | XXX | Verified | Field Value reflects the Note value |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 892083 | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 892083 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 892083 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 892083 | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 892083 | Guideline Name |  | XXXXXXXXXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 222132 | Original Term |  | XXX | Verified | Field Value reflects the Note value |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 222132 | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 222132 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 222132 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 222132 | Contract Sales Price |  | XXXXXX.XX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 222132 | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 222132 | Guideline Name |  | XXXXXXXXXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 561858 | Original Term |  | XXX | Verified | Field Value reflects the Note value |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 561858 | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 561858 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 561858 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 561858 | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 561858 | Investor: Qualifying Total Debt Ratio | XX.XX | XX.XX | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 561858 | Guideline Name |  | XXXXXXXXXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 838385 | Original Term |  | XXX | Verified | Field Value reflects the Note value |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 838385 | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 838385 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 838385 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 838385 | Contract Sales Price |  | XXXXXX.XX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 838385 | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 838385 | Guideline Name |  | XXXXXXXXXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 332402 | Original Term |  | XXX | Verified | Field Value reflects the Note value |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 332402 | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 332402 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 332402 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 332402 | Contract Sales Price |  | XXXXXX.XX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 332402 | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 332402 | Guideline Name |  | XXXXXXXXXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 336554 | Original Term |  | XXX | Verified | Field Value reflects the Note value |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 336554 | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 336554 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 336554 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 336554 | Contract Sales Price |  | XXXXXX.XX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 336554 | Originator Loan Designation | N/A | Non QM | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 336554 | Guideline Name |  | XXXXXXXXXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 213012 | Original Term |  | XXX | Verified | Field Value reflects the Note value |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 213012 | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 213012 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 213012 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 213012 | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 213012 | Guideline Name |  | XXXXXXXXXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 728664 | Original Term |  | XXX | Verified | Field Value reflects the Note value |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 728664 | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 728664 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 728664 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 728664 | Originator Loan Designation | N/A | Non QM | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 728664 | Guideline Name |  | XXXXXXXXXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 382558 | Original Term |  | XXX | Verified | Field Value reflects the Note value |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 382558 | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 382558 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 382558 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 382558 | Contract Sales Price |  | XXXXXX.XX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 382558 | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 382558 | Investor: Qualifying Total Debt Ratio | XX.XX | XX.XX | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 382558 | Guideline Name |  | XXXXXXXXXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 882204 | Original Term |  | XXX | Verified | Field Value reflects the Note value |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 882204 | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 882204 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 882204 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 882204 | Investor: Qualifying Total Debt Ratio | XX.XX | XX.XX | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 882204 | Guideline Name |  | XXXXXXXXXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 555110 | Original Term |  | XXX | Verified | Field Value reflects the Note value |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 555110 | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 555110 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 555110 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 555110 | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 555110 | Guideline Name |  | XXXXXXXXXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 388987 | Original Term |  | XXX | Verified | Field Value reflects the Note value |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 388987 | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 388987 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 388987 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 388987 | Contract Sales Price |  | XXXXXX.XX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 388987 | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 388987 | Guideline Name |  | XXXXXXXXXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 338255 | Original Term |  | XXX | Verified | Field Value reflects the Note value |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 338255 | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 338255 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 338255 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 338255 | Contract Sales Price |  | XXXXXX.XX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 338255 | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 338255 | Guideline Name |  | XXXXXXXXXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 114668 | Zip | XXXXXX | XXXXXX | Verified | Field Value reflects Zip per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 114668 | Original Term |  | XXX | Verified | Field Value reflects the Note value |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 114668 | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 114668 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 114668 | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 114668 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 114668 | Contract Sales Price |  | XXXXXX.XX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 114668 | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 114668 | Guideline Name |  | XXXXXXXXXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 434488 | Original Term |  | XXX | Verified | Field Value reflects the Note value |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 434488 | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 434488 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 434488 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 434488 | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 434488 | Guideline Name |  | XXXXXXXXXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 689485 | Zip | XXXXXX | XXXXXX | Verified | Field Value reflects Zip per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 689485 | Original Term |  | XXX | Verified | Field Value reflects the Note value |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 689485 | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 689485 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 689485 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 689485 | Contract Sales Price |  | XXXXXX.XX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 689485 | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 689485 | Guideline Name |  | XXXXXXXXXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 207916 | City | XXXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Verified | Field Value reflects City per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 207916 | Original Term |  | XXX | Verified | Field Value reflects the Note value |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 207916 | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 207916 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 207916 | Property Type | Condo (Low Rise) | Condo (Mid Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 207916 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 207916 | Contract Sales Price |  | XXXXXX.XX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 207916 | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 207916 | Guideline Name |  | XXXXXXXXXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 100911 | Original Term |  | XXX | Verified | Field Value reflects the Note value |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 100911 | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 100911 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 100911 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 100911 | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 100911 | Guideline Name |  | XXXXXXXXXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 263871 | Original Term |  | XXX | Verified | Field Value reflects the Note value |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 263871 | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 263871 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 263871 | Property Type | Single Family Detached | 3 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 263871 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 263871 | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 263871 | Guideline Name |  | XXXXXXXXXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 561656 | Original Term |  | XXX | Verified | Field Value reflects the Note value |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 561656 | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 561656 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 561656 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 561656 | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 561656 | Guideline Name |  | XXXXXXXXXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 117040 | Original Term |  | XXX | Verified | Field Value reflects the Note value |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 117040 | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 117040 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 117040 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 117040 | Originator Loan Designation | N/A | Non QM | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 117040 | Guideline Name |  | XXXXXXXXXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 309126 | Original Term |  | XXX | Verified | Field Value reflects the Note value |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 309126 | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 309126 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 309126 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 309126 | Contract Sales Price |  | XXXXXX.XX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 309126 | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 309126 | Guideline Name |  | XXXXXXXXXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 128041 | Original Term |  | XXX | Verified | Field Value reflects the Note value |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 128041 | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 128041 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 128041 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 128041 | Contract Sales Price |  | XXXXXX.XX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 128041 | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 128041 | Guideline Name |  | XXXXXXXXXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 347611 | Original Term |  | XXX | Verified | Field Value reflects the Note value |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 347611 | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 347611 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 347611 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 347611 | Contract Sales Price |  | XXXXXX.XX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 347611 | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 347611 | Guideline Name |  | XXXXXXXXXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 574414 | Original Term |  | XXX | Verified | Field Value reflects the Note value |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 574414 | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 574414 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 574414 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 574414 | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 574414 | Guideline Name |  | XXXXXXXXXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 896351 | Zip | XXXXXX | XXXXXX | Verified | Field Value reflects Zip per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 896351 | Original Term |  | XXX | Verified | Field Value reflects the Note value |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 896351 | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 896351 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 896351 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 896351 | Contract Sales Price |  | XXXXXX.XX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 896351 | Originator Loan Designation | N/A | Non QM | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 896351 | Guideline Name |  | XXXXXXXXXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 234054 | Original Term |  | XXX | Verified | Field Value reflects the Note value |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 234054 | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 234054 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 234054 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 234054 | Contract Sales Price |  | XXXXXX.XX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 234054 | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 234054 | Guideline Name |  | XXXXXXXXXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 120366 | Original Term |  | XXX | Verified | Field Value reflects the Note value |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 120366 | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 120366 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 120366 | Interest Only Period |  | XXX | Verified | Field Value reflects 'Interest Only Period' per the Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 120366 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 120366 | Contract Sales Price |  | XXXXXX.XX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 120366 | Investor: Qualifying Total Debt Ratio | XX.XX | XX.XX | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 120366 | Guideline Name |  | XXXXXXXXXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 717558 | Original Term |  | XXX | Verified | Field Value reflects the Note value |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 717558 | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 717558 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 717558 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 717558 | Contract Sales Price |  | XXXXXX.XX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 717558 | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 717558 | Guideline Name |  | XXXXXXXXXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 983635 | Original Term |  | XXX | Verified | Field Value reflects the Note value |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 983635 | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 983635 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 983635 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 983635 | Contract Sales Price |  | XXXXXX.XX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 983635 | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 983635 | Guideline Name |  | XXXXXXXXXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 287072 | Original Term |  | XXX | Verified | Field Value reflects the Note value |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 287072 | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 287072 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 287072 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 287072 | Contract Sales Price |  | XXXXXX.XX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 287072 | Originator Loan Designation | N/A | Non QM | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 287072 | Guideline Name |  | XXXXXXXXXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 700966 | Original Term |  | XXX | Verified | Field Value reflects the Note value |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 700966 | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 700966 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 700966 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 700966 | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 700966 | Guideline Name |  | XXXXXXXXXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 371315 | Original Term |  | XXX | Verified | Field Value reflects the Note value |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 371315 | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 371315 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 371315 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 371315 | Originator Loan Designation | N/A | Higher Priced QM (APOR) | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 371315 | Guideline Name |  | XXXXXXXXXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 168004 | Original Term |  | XXX | Verified | Field Value reflects the Note value |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 168004 | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 168004 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 168004 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 168004 | Contract Sales Price |  | XXXXXX.XX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 168004 | Originator Loan Designation | N/A | Non QM | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 168004 | Guideline Name |  | XXXXXXXXXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 584132 | Original Term |  | XXX | Verified | Field Value reflects the Note value |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 584132 | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 584132 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 584132 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 584132 | Contract Sales Price |  | XXXXXX.XX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 584132 | Originator Loan Designation | N/A | Higher Priced QM (APOR) | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 584132 | Guideline Name |  | XXXXXXXXXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 429347 | Original Term |  | XXX | Verified | Field Value reflects the Note value |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 429347 | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 429347 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 429347 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 429347 | Contract Sales Price |  | XXXXXX.XX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 429347 | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 429347 | Guideline Name |  | XXXXXXXXXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 952221 | Zip | XXXXXX | XXXXXX | Verified | Field Value reflects Zip per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 952221 | Original Term |  | XXX | Verified | Field Value reflects the Note value |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 952221 | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 952221 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 952221 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 952221 | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 952221 | Investor: Qualifying Total Debt Ratio | XX.XX | XX.XX | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 952221 | Guideline Name |  | XXXXXXXXXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 579046 | Original Term |  | XXX | Verified | Field Value reflects the Note value |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 579046 | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 579046 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 579046 | Representative FICO | XXX | XXX | Verified | Field Value Representative FICO reflects the lowest mid score of the highest wage earner |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 579046 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 579046 | Contract Sales Price |  | XXXXXX.XX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 467344 | Original Term |  | XXX | Verified | Field Value reflects the Note value |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 467344 | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 467344 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 467344 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 467344 | Originator Loan Designation | N/A | Higher Priced QM (APOR) | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 467344 | Guideline Name |  | XXXXXXXXXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 294360 | Original Term |  | XXX | Verified | Field Value reflects the Note value |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 294360 | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 294360 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 294360 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 294360 | Contract Sales Price |  | XXXXXX.XX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 294360 | Originator Loan Designation | N/A | Non QM | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 294360 | Guideline Name |  | XXXXXXXXXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 870612 | Original Term |  | XXX | Verified | Field Value reflects the Note value |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 870612 | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 870612 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 870612 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 870612 | Contract Sales Price |  | XXXXXX.XX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 870612 | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 870612 | Guideline Name |  | XXXXXXXXXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 866818 | Original Term |  | XXX | Verified | Field Value reflects the Note value |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 866818 | Amortization Term |  | XXX | Verified | Unable to verify due to missing information |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 866818 | Amortization Type |  | Fixed | Verified | Unable to verify due to missing information |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 866818 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 866818 | Contract Sales Price |  | XXXXXX.XX | Verified | Unable to verify due to missing information |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 866818 | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 866818 | Guideline Name |  | XXXXXXXXXXXXXXXXXXXXXXXX | Verified | Unable to verify due to missing information |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 828635 | Original Term |  | XXX | Verified | Field Value reflects the Note value |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 828635 | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 828635 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 828635 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 828635 | Contract Sales Price |  | XXXXXX.XX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 828635 | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 828635 | Guideline Name |  | XXXXXXXXXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 274346 | Original Term |  | XXX | Verified | Field Value reflects the Note value |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 274346 | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 274346 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 274346 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 274346 | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 274346 | Guideline Name |  | XXXXXXXXXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 567844 | Original Term |  | XXX | Verified | Field Value reflects the Note value |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 567844 | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 567844 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 567844 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 567844 | Contract Sales Price |  | XXXXXX.XX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 567844 | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 567844 | Guideline Name |  | XXXXXXXXXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 498366 | Original Term |  | XXX | Verified | Field Value reflects the Note value |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 498366 | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 498366 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 498366 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 498366 | Investor: Qualifying Total Debt Ratio | XX.XX | XX.XX | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 498366 | Guideline Name |  | XXXXXXXXXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 954124 | Original Term |  | XXX | Verified | Unable to verify due to missing information |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 954124 | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 954124 | Amortization Type |  | Fixed | Verified | Unable to verify due to missing information |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 954124 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 954124 | Contract Sales Price |  | XXXXXX.XX | Verified | Unable to verify due to missing information |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 954124 | Originator Loan Designation | N/A | Non QM | Verified | Unable to verify due to missing information |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 954124 | Guideline Name |  | XXXXXXXXXXXXXXXXXXXXXXXX | Verified | Unable to verify due to missing information |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 485932 | Original Term |  | XXX | Verified | Field Value reflects the Note value |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 485932 | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 485932 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 485932 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 485932 | Occupancy | Primary | Investment | Verified | Field Value reflects Occupancy per the Final Loan Application |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 485932 | Originator Loan Designation | N/A | Non QM | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 485932 | Guideline Name |  | XXXXXXXXXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 897074 | Original Term |  | XXX | Verified | Field Value reflects the Note value |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 897074 | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 897074 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 897074 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 897074 | Originator Loan Designation | N/A | Non QM | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 897074 | Guideline Name |  | XXXXXXXXXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 625294 | Original Term |  | XXX | Verified | Field Value reflects the Note value |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 625294 | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 625294 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 625294 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 625294 | Investor: Qualifying Total Debt Ratio | XX.XX | XX.XX | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 267395 | Original Term |  | XXX | Verified | Field Value reflects the Note value |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 267395 | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 267395 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 267395 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 267395 | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 267395 | Investor: Qualifying Total Debt Ratio | XX.XX | XX.XX | Verified | Lender include the other liabilities twice in the DTI. |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 267395 | Guideline Name |  | XXXXXXXXXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 377354 | Original Term |  | XXX | Verified | Field Value reflects the Note value |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 377354 | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 377354 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 377354 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 377354 | Contract Sales Price |  | XXXXXX.XX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 377354 | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 377354 | Guideline Name |  | XXXXXXXXXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 906865 | Original Term |  | XXX | Verified | Field Value reflects the Note value |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 906865 | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 906865 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 906865 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 906865 | Originator Loan Designation | N/A | Non QM | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 906865 | Guideline Name |  | XXXXXXXXXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 106573 | Original Term |  | XXX | Verified | Field Value reflects the Note value |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 106573 | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 106573 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 106573 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 106573 | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 106573 | Guideline Name |  | XXXXXXXXXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 841885 | Original Term |  | XXX | Verified | Field Value reflects the Note value |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 841885 | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 841885 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 841885 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 841885 | Contract Sales Price |  | XXXXXX.XX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 841885 | Originator Loan Designation | N/A | Non QM | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 841885 | Guideline Name |  | XXXXXXXXXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 636674 | Original Term |  | XXX | Verified | Field Value reflects the Note value |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 636674 | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 636674 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 636674 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 636674 | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 636674 | Guideline Name |  | XXXXXXXXXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 155284 | Original Term |  | XXX | Verified | Field Value reflects the Note value |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 155284 | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 155284 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 155284 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 155284 | Contract Sales Price |  | XXXXXX.XX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 155284 | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 155284 | Guideline Name |  | XXXXXXXXXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 509803 | Original Term |  | XXX | Verified | Field Value reflects the Note value |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 509803 | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 509803 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 509803 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 509803 | Originator Loan Designation | N/A | Non QM | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 509803 | Guideline Name |  | XXXXXXXXXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 192322 | Original Term |  | XXX | Verified | Field Value reflects the Note value |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 192322 | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 192322 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 192322 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 192322 | Contract Sales Price |  | XXXXXX.XX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 192322 | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 192322 | Investor: Qualifying Total Debt Ratio | XX.XX | XX.XX | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 192322 | Guideline Name |  | XXXXXXXXXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 485714 | Original Term |  | XXX | Verified | Field Value reflects the Note value |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 485714 | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 485714 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 485714 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 485714 | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 485714 | Guideline Name |  | XXXXXXXXXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 353837 | Zip | XXXXXX | XXXXXX | Verified | Field Value reflects Zip per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 353837 | Original Term |  | XXX | Verified | Field Value reflects the Note value |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 353837 | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 353837 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 353837 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 353837 | Contract Sales Price |  | XXXXXX.XX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 353837 | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 353837 | Guideline Name |  | XXXXXXXXXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 323546 | Original Term |  | XXX | Verified | Field Value reflects the Note value |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 323546 | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 323546 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 323546 | Interest Only Period |  | XXX | Verified | Field Value reflects 'Interest Only Period' per the Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 323546 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 323546 | Contract Sales Price |  | XXXXXX.XX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 323546 | Investor: Qualifying Total Debt Ratio | XX.XX | XX.XX | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 323546 | Guideline Name |  | XXXXXXXXXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 146981 | Originator Loan Designation | N/A | Higher Priced QM (APOR) | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 407543 | Contract Sales Price |  | XXXXXX.XX | Verified | Bid Tape Field Value not provided |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 407543 | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 193915 | Original Term |  | XXX | Verified | Field Value reflects the Note value |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 193915 | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 193915 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 193915 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 193915 | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 193915 | Guideline Name |  | XXXXXXXXXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 581264 | Original Term |  | XXX | Verified | Field Value reflects the Note value |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 581264 | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 581264 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 581264 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 581264 | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 581264 | Guideline Name |  | XXXXXXXXXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 803142 | Original Term |  | XXX | Verified | Field Value reflects the Note value |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 803142 | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 803142 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 803142 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 803142 | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 803142 | Guideline Name |  | XXXXXXXXXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 749788 | Original Term |  | XXX | Verified | Field Value reflects the Note value |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 749788 | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 749788 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 749788 | Representative FICO | XXX | XXX | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 749788 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 749788 | Contract Sales Price |  | XXXXXX.XX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 749788 | Originator Loan Designation | N/A | Higher Priced QM (APOR) | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 749788 | Guideline Name |  | XXXXXXXXXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 846793 | Original Term |  | XXX | Verified | Field Value reflects the Note value |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 846793 | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 846793 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 846793 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 846793 | Contract Sales Price |  | XXXXXX.XX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 846793 | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 846793 | Guideline Name |  | XXXXXXXXXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 175841 | Zip | XXXXXX | XXXXXX | Verified | Field Value reflects Zip per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 175841 | Original Term |  | XXX | Verified | Field Value reflects the Note value |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 175841 | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 175841 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 175841 | Representative FICO | XXX | XXX | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 175841 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 175841 | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 175841 | Guideline Name |  | XXXXXXXXXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 196819 | Original Term |  | XXX | Verified | Field Value reflects the Note value |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 196819 | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 196819 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 196819 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 196819 | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 196819 | Investor: Qualifying Total Debt Ratio | XX.XX | XX.XX | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 196819 | Guideline Name |  | XXXXXXXXXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 391399 | Original Term |  | XXX | Verified | Field Value reflects the Note value |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 391399 | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 391399 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 391399 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 391399 | Contract Sales Price |  | XXXXXX.XX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 391399 | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 391399 | Guideline Name |  | XXXXXXXXXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 502880 | Original Term |  | XXX | Verified | Field Value reflects the Note value |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 502880 | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 502880 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 502880 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 502880 | Contract Sales Price |  | XXXXXX.XX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 502880 | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 502880 | Guideline Name |  | XXXXXXXXXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 986111 | Original Term |  | XXX | Verified | Field Value reflects the Note value |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 986111 | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 986111 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 986111 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 986111 | Originator Loan Designation | N/A | Non QM | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 986111 | Investor: Qualifying Total Debt Ratio | XX.XX | XX.XX | Verified | Client asked to not gross up SSI. |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 986111 | Guideline Name |  | XXXXXXXXXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 797875 | Original Term |  | XXX | Verified | Field Value reflects the Note value |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 797875 | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 797875 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 797875 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 797875 | Originator Loan Designation | N/A | Higher Priced QM (APOR) | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 797875 | Guideline Name |  | XXXXXXXXXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 147479 | Original Term |  | XXX | Verified | Field Value reflects the Note value |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 147479 | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 147479 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 147479 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 147479 | Contract Sales Price |  | XXXXXX.XX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 147479 | Originator Loan Designation | N/A | Non QM | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 147479 | Guideline Name |  | XXXXXXXXXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 826588 | Original Term |  | XXX | Verified | Field Value reflects the Note value |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 826588 | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 826588 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 826588 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 826588 | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 826588 | Guideline Name |  | XXXXXXXXXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 620080 | Original Term |  | XXX | Verified | Field Value reflects the Note value |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 620080 | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 620080 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 620080 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 620080 | Contract Sales Price |  | XXXXXX.XX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 620080 | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 620080 | Guideline Name |  | XXXXXXXXXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 132978 | Original Term |  | XXX | Verified | Field Value reflects the Note value |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 132978 | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 132978 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 132978 | Representative FICO | XXX | XXX | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 132978 | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 132978 | Interest Only Period |  | XXX | Verified | Field Value reflects 'Interest Only Period' per the Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 132978 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 132978 | Contract Sales Price |  | XXXXXX.XX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 132978 | Investor: Qualifying Total Debt Ratio | XX.XX | XX.XX | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 132978 | Guideline Name |  | XXXXXXXXXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 882686 | Original Term |  | XXX | Verified | Field Value reflects the Note value |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 882686 | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 882686 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 882686 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 882686 | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 882686 | Guideline Name |  | XXXXXXXXXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 770812 | Original Term |  | XXX | Verified | Field Value reflects the Note value |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 770812 | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 770812 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 770812 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 770812 | Contract Sales Price |  | XXXXXX.XX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 770812 | Originator Loan Designation | N/A | Non QM | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 770812 | Guideline Name |  | XXXXXXXXXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 827990 | Original Term |  | XXX | Verified | Field Value reflects the Note value |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 827990 | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 827990 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 827990 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 827990 | Contract Sales Price |  | XXXXXX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 827990 | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 827990 | Guideline Name |  | XXXXXXXXXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 635363 | Original Term |  | XXX | Verified | Field Value reflects the Note value |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 635363 | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 635363 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 635363 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 635363 | Contract Sales Price |  | XXXXXX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 356342 | Original Term |  | XXX | Verified | Field Value reflects the Note value |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 356342 | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 356342 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 356342 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 356342 | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 356342 | Guideline Name |  | XXXXXXXXXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 517680 | Original Term |  | XXX | Verified | Field Value reflects the Note value |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 517680 | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 517680 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 517680 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 517680 | Contract Sales Price |  | XXXXXX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 517680 | Originator Loan Designation | N/A | Non QM | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 517680 | Investor: Qualifying Total Debt Ratio | XX | XX | Verified | T&I on other REO |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 517680 | Guideline Name |  | XXXXXXXXXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 853491 | Original Term |  | XXX | Verified | Field Value reflects the Note value |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 853491 | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 853491 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 853491 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 853491 | Contract Sales Price |  | XXXXXX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 853491 | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 853491 | Guideline Name |  | XXXXXXXXXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 473923 | Zip | XXXXX | XXXXX | Verified | Field Value reflects Zip per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 473923 | Original Term |  | XX | Verified | Field Value reflects the Note value |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 473923 | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 473923 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 473923 | Representative FICO | XXX | XXX | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 473923 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 473923 | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 473923 | Guideline Name |  | XXXXXXXXXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 294757 | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 426991 | Original Term |  | XXX | Verified | Field Value reflects the Note value |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 426991 | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 426991 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 426991 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 426991 | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 426991 | Guideline Name |  | XXXXXXXXXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 273864 | Investor: Qualifying Total Debt Ratio | XX | XX | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 120534 | Investor: Qualifying Total Debt Ratio | XX | XX | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 144502 | Originator Loan Designation | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 897820 | Originator Loan Designation | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 223684 | Coborrower FTHB |  | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 482097 | Property Type | Single Family | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 482097 | Originator Loan Designation | Safe Harbor QM (APOR) | Non QM | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 166369 | Borrower First Name | XXXXXXXXXXXXXXXXXXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 166369 | Borrower Last Name | XXXXXXXXXXXXXXXXXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 166369 | Coborrower First Name | XXXXXXXXXXXXXXXXXXXX |  | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 166369 | Coborrower Last Name | XXXXXXXXXXXXXXXXXXXX |  | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 608115 | Original Term |  | XXX | Verified | Field Value reflects the Note value |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 608115 | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 608115 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 608115 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 608115 | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 608115 | Guideline Name |  | XXXXXXXXXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 338655 | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 903487 | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 657491 | Original Term |  | XXX | Verified | Field Value reflects the Note value |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 657491 | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 657491 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 657491 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 657491 | Contract Sales Price |  | XXXXXX.XX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 657491 | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 657491 | Guideline Name |  | XXXXXXXXXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 822006 | Investor: Qualifying Total Debt Ratio | XX | XX | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 769047 | Borrower Last Name | XXXXXXXXXXXXXXXXXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 961318 | Contract Sales Price | 0.00 |  | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 961318 | Originator Loan Designation | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 953247 | Borrower First Name | XXXXXXXXXXXXXXXXXXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 953247 | Borrower Last Name | XXXXXXXXXXXXXXXXXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 877257 | Borrower Last Name | XXXXXXXXXXXXXXXXXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 322331 | Original Term |  | XXX | Verified | Field Value reflects the Note value |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 322331 | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 322331 | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 322331 | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 322331 | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 322331 | Investor: Qualifying Total Debt Ratio | XXXX-XX-XX | XX | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 322331 | Guideline Name |  | XXXXXXXXXXXXXXXXXXXXXXXX | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 920271 | Refi Purpose | Cash-out | Rate/Term | Verified | Delayed Financing |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 153782 | Originator Loan Designation | Safe Harbor QM (APOR) | Non QM | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 360491 | Originator Loan Designation | Safe Harbor QM (APOR) | Non QM | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 574607 | Property Type | Single Family | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 867288 | Originator Loan Designation | Safe Harbor QM (APOR) | Non QM | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 923178 | Originator Loan Designation | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 339842 | Originator Loan Designation | Safe Harbor QM (APOR) | Non QM | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 788067 | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 273398 | Note Date | XXXX-XX-XX | XXXX-XX-XX | Verified | Field Value reflects Note Date per the Note |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 273398 | Originator Loan Designation | Safe Harbor QM (APOR) | Non QM | Verified | Field value reflects source document |
| XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  | 591835 | Originator Loan Designation | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Verified | Field value reflects source document |

---

## Exhibit 99.7

**Exhibit 99.7**

![](incenter_logo.jpg)

**EXECUTIVE SUMMARY**

**BRAVO 2026-NQM1**

**<u>Description of the due diligence performed</u>**

**Overview of the assets that were reviewed**

Incenter Lender Services LLC, c/k/a Incenter Diligence Solutions and f/k/a Edgemac ("Incenter Diligence"), performed an independent third-party due diligence review of 1 loan acquired by Loan Funding Structure LLC (the "Client"). The review was performed from June 2019 to July 2019, using the scope of review described herein, which was agreed to at the time of review. The results of the review performed by Incenter Diligence only reflect information concerning the related loans on which such review was performed as of the date such review was performed based on the scope of review used as of the date such review was performed and not as of any subsequent date. Incenter Diligence has not subsequently performed any review with respect to the loans, and Incenter Diligence will not be required to complete or provide any additional, new, or refreshed review or results with respect to the loans. For preparation of this report, Incenter Diligence has relied on historical information supplied at the time of the original purchase given the age of the asset and the fact that the original client and associated records no longer exist.

**Sampling of assets**

Incenter Diligence follows the nationally recognized statistical rating organizations, NRSRO(s), criteria. For all originators, Incenter Diligence performed review on 100% of the loans. The loan population was 1 loan for an aggregate original principal balance of $80,000.00.

The review was conducted in accordance with the following NRSRO(s) Third Party Due Diligence Criteria:

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Identity of NRSRO** | &nbsp;&nbsp;**Title and Date of Criteria** |
| &nbsp;&nbsp;Kroll Bond Rating Agency, LLC | &nbsp;&nbsp;U.S. RMBS Rating Methodology, July 6, 2016 |
| &nbsp;&nbsp;Fitch Ratings, Inc. | &nbsp;&nbsp;U.S. RMBS Rating Criteria, June 22, 2017 and June 15, 2018 |

---

**Data integrity and review methodology**

Incenter Diligence performed data integrity analysis on all loans in the sample by comparing the information supplied on the data tape against the source documents in the loan file to ascertain accuracy and completeness. All discrepancies are reported on the Final Tape Compare Report.

The data comparison consisted of the following data fields:

---

| |
|:---|
| &nbsp;&nbsp;**Data Compare Field Name** |
| &nbsp;&nbsp;Amortization Term |
| &nbsp;&nbsp;Appraisal Value |
| &nbsp;&nbsp;Appraiser Name |
| &nbsp;&nbsp;Back/Qual DTI |
| &nbsp;&nbsp;Borrower First Name |
| &nbsp;&nbsp;Borrower Last Name |
| &nbsp;&nbsp;Coborrower 1 First Name |
| &nbsp;&nbsp;Coborrower 1 Last Name |

---

Page 1 of **14**

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---

| |
|:---|
| &nbsp;&nbsp;Doc Type |
| &nbsp;&nbsp;Doc Type Level |
| &nbsp;&nbsp;DSCR |
| &nbsp;&nbsp;Front DTI |
| &nbsp;&nbsp;First Payment Date |
| &nbsp;&nbsp;FTHB Flag |
| &nbsp;&nbsp;Interest Rate Initial Cap |
| &nbsp;&nbsp;Interest Rate Life Cap |
| &nbsp;&nbsp;Interest Rate Periodic Cap |
| &nbsp;&nbsp;Interest Rate Rate Change Frequency |
| &nbsp;&nbsp;Interest Rate Life Floor |
| &nbsp;&nbsp;Interest Type |
| &nbsp;&nbsp;Investor Qualifying DSCR |
| &nbsp;&nbsp;Investor Qualifying DTI |
| &nbsp;&nbsp;Loan Purpose |
| &nbsp;&nbsp;Loan Type |
| &nbsp;&nbsp;Margin |
| &nbsp;&nbsp;Maturity Date |
| &nbsp;&nbsp;Note Date |
| &nbsp;&nbsp;Number of Units |
| &nbsp;&nbsp;Occupancy Type |
| &nbsp;&nbsp;Original / Note Payment |
| &nbsp;&nbsp;Original CLTV |
| &nbsp;&nbsp;Original Interest Rate |
| &nbsp;&nbsp;Original Loan Amount |
| &nbsp;&nbsp;Original LTV |
| &nbsp;&nbsp;Original P&I |
| &nbsp;&nbsp;Original Term to Maturity |
| &nbsp;&nbsp;Property City |
| &nbsp;&nbsp;Property State |
| &nbsp;&nbsp;Property Street Address |
| &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;Property Zip |
| &nbsp;&nbsp;QM Designation |
| &nbsp;&nbsp;Qualifying Credit Score |
| &nbsp;&nbsp;Sales Price |
| &nbsp;&nbsp;Self Employed Mortgagor |
| &nbsp;&nbsp;Self Employed Co-Borrower |

---

Page 2 of **14**

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**Underwriting Conformity**

Incenter Diligence performed a complete review of all loan files, as supplied by the Client, to determine whether the loans were originated in accordance with the Client's underwriting guidelines, eligibility requirements, Ability to Repay (ATR), Qualified Mortgage and Appendix Q requirements (where applicable), and applicable Policies & Procedures, noting any exceptions and compensating factors. The review included, where applicable, the following items:

**Conformance to Ability to Repay (ATR) standards** – Incenter Diligence reviewed each loan to validate that the underwriter correctly assessed the borrower's ability to repay based on employment and credit/repayment history, income and assets, projected monthly payment and current obligations, debt to income ratio, and other information provided to support ability to repay prior to originating the loan.

**An evaluation of Qualified Mortgage and Appendix Q requirements, if applicable** – Based on the information provided, Incenter Diligence will review each loan to determine that it satisfies all requirements for a Qualified Mortgage, if designated as such, including an evaluation of points of fees, risk factors associated with the loan terms, re-calculation of debt to income and a review of all income and assets.

**Credit, Income, Assets and Employment**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A. Validate that the appropriate employment and income documentation, such
as pay stubs, tax transcripts, and bank statements, was provided and used to accurately qualify the borrower according to guidelines.
Recalculate the borrower's income and debt to determine the appropriate debt to income ratio in accordance with the guidelines.
Validate borrower's employment history and confirm that the appropriate income and assets were used to qualify. Make a reasonable
assessment of whether there are any indications that income documentation may be fraudulent.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B. Validate that assets used to qualify the borrower match the documentation
in the file and the information used to calculate down payment, closing costs, and reserves meet program guideline requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;C. Review exceptions, compensating factors and underwriter comments, if available.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;D. Review program guidelines against the loan approval for discrepancies such
as:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Employment
 requirements;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Income requirements (such as DTI, etc);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Asset
 requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;E. Review the loan approval against all supporting documentation and loan application
to verify accuracy.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;F. Review the initial loan application against the final loan application
 or other loan applications found in the file to validate the application was signed, properly completed and to expose
 discrepancies.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;G. Evaluate that a credit report has been provided for all borrowers and assess whether it was pulled in a timely manner and that the
credit scores meet applicable guidelines. Verify whether any fraud alerts are listed on the credit reports and make a reasonable assessment
of whether the borrower's profile adheres to applicable guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;H. Review the loan file for inconsistencies based on information derived from
source documentation provided in the loan file, for the purposes of identifying misrepresentations contained in the loan file, including
with respect to occupancy and mortgage liabilities.

**Occupancy, Taxes, Title and Insurance**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A. Review for occupancy representation versus occupancy type

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B. Review the title report for possible judgments and other liens that may
have existed upon origination; verify chain of title.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;C. Verify and validate the file contains sufficient property insurance coverage
as required by guidelines; confirm property insurance policy contains appropriate mortgagee clause. For subject properties located in
a Special Flood Hazard Area where flood insurance is required, verify and validate the file contains sufficient flood

Page 3 of **14**

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insurance coverage as required by guidelines and that flood insurance policy contains appropriate mortgagee clause.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;D. Review property details on appraisal including a review for ineligible properties.

**Property Valuation Review**

Incenter Diligence performed a standard property valuation Desktop Review on all loans to ensure the original property valuation in the loan file supports the subject property and to determine whether there are any indicators of misrepresentation. The evaluation included the following components:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A. Review the original appraisal report to ensure the valuation was performed
by a licensed appraiser and in accordance with guidelines,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B. Verify subject property type meets applicable guidelines,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;C. Validate that the values used do not exceed 6 months in age,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;D. Note any exceptions to stated value or appraisal guidelines,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;E. Verify value used to calculate LTV/CLTV and note any deviations,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;F. Verify the appraisal report matches loan documents, and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;G. Review additional valuation products in the file; if there is a 10% variance, Client is notified and an additional independent valuation
product will be obtained.

**Regulatory Compliance Review**

Incenter Diligence's Regulatory Compliance analysis is intended to expose certain potential risk associated with the loans examined. It is strictly limited to the review scope outlined below and is based solely on the accuracy of the documentation and data supplied by the Client or other agreed upon third parties. The review findings are not guaranteed to encompass all critical elements related to the underwriting, origination or regulatory compliance status of the loans examined. Further, the findings are not to be construed as guidance on future indicators of positive or negative performance.

Incenter Diligence performed a review of all loans supplied by the Client to verify all documentation provided is complete and complies with all applicable federal and state regulatory requirements, in addition to following the RMBS 3.0 TRID Compliance Review Scope published by the Structured Finance Industry Group (the "SFIG Compliance Review Scope") and the advice of outside counsel. In addition, Incenter Diligence utilizes the ComplianceAnalyzer tool by ComplianceEase. Incenter Diligence's conclusions are representative of our best efforts to identify material risks and exceptions associated with each loan based on interpretation of the continually evolving regulations.

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

Incenter Diligence reviewed each loan to validate compliance with the following federal and state regulatory requirements, whenever applicable.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**A.** **Truth In Lending Act - 12 CFR §1026 ("TILA")** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Federal TILA

&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. Finance Charge Test (12 CFR §1026.18(d)(1)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. It is understated by no more than $100; or

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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. It
 is greater than the amount required to be disclosed

&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. Rescission
 Finance Charge Test (12 CFR §1026.23(h)(2)i)

&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. It
 is understated by no more than $35; 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;ii. It
 is greater than the amount required to be disclosed

&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. Rescission
 Total of Payments Test (12 CFR §1026.23(h)(2)(ii)

&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. Is
 understated by no more than $35; 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;v. Is
 greater than the amount required to be disclosed

&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. Foreclosure
 Rescission Finance Charge and Total of Payments Tests(12 CFR §1026.23(h)

&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. APR
 Test 12 CFR §1026.22(a)(2), (4)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 disclosed annual percentage rate (APR) is considered accurate because it is not more than
 1/8 of 1 percentage (for regular transactions) or 1/4 of 1 percentage (for irregular transactions)
 point above or below the APR as determined in accordance with the actuarial method; 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;ii. The
 disclosed APR results from the disclosed finance charge, and the disclosed finance charge
 is considered accurate under §1026.18(d)(1) (the finance charge test), or for purposes
 of rescission the disclosed finance charge is considered accurate under §1026.23(g)
 or (h) (the rescission finance charge test or the foreclosure rescission finance charge test),
 whichever applies

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Right
 of Rescission Test (12 CFR §1026.23(a)(3), §1026.15(a)(3),

&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
 funding date is not before the third business day following 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;ii. The
 consumer may exercise the right to rescind until midnight of the third business day following
 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;iii. Validate
 Right of Rescission Notice was provided and provides the correct date for ability to cancel

&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. Dual
 Broker Compensation Test (12 CFR §1026.36(d)(2)

&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
 any loan originator receives compensation directly from a consumer in a consumer credit transaction
 secured by a dwelling, no loan originator shall receive compensation, directly or indirectly,
 from any other person other than the consumer in connection with the transaction for loan
 origination activities

&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. Loan
 Originator Credits Test (12 C.F.R. §1026.36(d)(1))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Test
 that the initial disclosure (GFE/TIL/LE) does not contain any broker fees paid by the broker

&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. Financing
 of Single Premium Credit Insurance Test (12 CFR §1026.36 (i))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. A
 creditor may not finance, directly or indirectly, any premiums or fees for credit insurance
 in connection with a consumer credit transaction secured by a dwelling (including a home
 equity line of credit secured by the consumer's principal dwelling

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Initial
 TIL Disclosure (Pre-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;a. Initial
 TIL Disclosure Date Test (12 CFR §1026.17(b),1026.19(a)

&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
 loan is a mortgage transaction subject to the Real Estate Settlement Procedures Act (12 U.S.C.
 §2601 et seq.) that is secured by the consumer's dwelling; 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. The
 initial TIL disclosure date is not later than the third business day (counting days on which
 the creditor's offices are open to the public for carrying on substantially all of its business
 functions) after the creditor receives the consumer's written 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;iii. The
 initial TIL disclosure date is not later than the seventh business day (counting all calendar
 days except Sunday and specified legal public holidays) before consummation of the transaction,
 or the application date of the loan is before July 30, 2009; 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. The
 loan is a "residential mortgage transaction" subject to the Real Estate Settlement
 Procedures Act (12 U.S.C. §2601 et seq.); and

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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. The
 initial TIL disclosure date is before consummation or three business days after the creditor
 receives the consumer's written application, whichever is earlier

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. TILA
 RESPA Integrated Disclosures (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;a. Initial
 Loan Estimate Delivery Date Test (from application) (12 CFR §1026.19(e)(1)(iii)(A))

&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
 creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i)
 (provision of loan estimate form) not later than the third business day after the creditor
 receives the consumer's application

&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. Initial
 Loan Estimate Delivery Date Test (prior to consummation) (12 CFR §1026.19(e)(1)(iii)(B))

&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
 creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(e)(1)(i)
 (provision of loan estimate form) not later than the seventh business day before consummation
 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;c. Written
 List of Service Providers (SSPL) Disclosure Date Test (12 CFR §1026.19(e)(1)(vi))

&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 consumer is permitted to shop for a settlement service, the creditor shall provide the
 consumer with a written list identifying available providers of that settlement service and
 stating that the consumer may choose a different provider for that service. The creditor
 must identify at least one available provider for each settlement service for which the consumer
 is permitted to shop. The creditor shall provide this written list of settlement service
 providers separately from the disclosures required by §1026.19(e)(1)(e)(1)(i) but in
 accordance with the timing requirements in §1026.19(e)(1)(e)(1)(iii)

&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. Your
 Home Loan Toolkit (§1026.19)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Verify
 there is 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;ii. Validate
 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Borrowers
 Intent to Proceed (§1026.19); (§1026.25)

&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. Verify
 there is evidence in the file indicating the borrowers intent to proceed

&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 lender documents the borrowers intent to proceed on a standalone disclosure, validate
 the borrower signed and dated the 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;f. Revised
 Loan Estimate Delivery Date Test (prior to consummation) (12 CFR §1026.19(e)(4)(ii))

&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
 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

&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. Valid
 Change of Circumstances 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;i. The
 changed circumstance(s) form was provided and the reason for re-disclosure is:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Changed
 circumstance affecting settlement charges; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Changed
 circumstance affecting eligibility; 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;c. Revisions
 requested by the consumer; 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;d. Expiration
 of initial loan estimate; 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;e. Delayed
 settlement date on a construction loan for new construction transactions only; 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;f. The
 date the rate was set was not provided and Interest rate dependent charges change once the
 interest rate is locked;" 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;g. The
 reason for re-disclosure is "Decrease in charges affecting settlement or eligibility,
 a consumer-requested revision, or other non-tolerance-related re-disclosure;" 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;h. The
 initial loan estimate was not delivered timely

&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. Initial
 Closing Disclosure Delivery Date Test (12 CFR §1026.19(f)(1)(ii))

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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;i. The
 creditor shall ensure that the consumer receives the disclosures required under paragraph
 §1026.19(f)(1)(i) no later than three business days before consummation

&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. Revised
 Closing Disclosure Delivery Date Test (waiting period vs. no waiting period required) (12
 CFR §1026.19(f)(2)(i) & (ii))

&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 disclosures provided under §1026.19(f)(1)(i) become inaccurate before consummation,
 the creditor shall provide corrected disclosures reflecting any changed terms to the consumer
 so that the consumer receives the corrected disclosures at or before consummation

&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 consumer determines that the extension of credit is needed to meet a bona fide personal
 financial emergency, the consumer may modify or waive the three-business-day waiting period
 for the revised closing disclosure after receiving the 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;j. TRID
 Tolerance Testing - Charges That Cannot Increase Test (12 CFR §1026.19(e)(3)(i))

&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. 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)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;k. TRID
 Tolerance Testing - Charges That in Total Cannot Increase More Than 10% Test (12 CFR §1026.19(e)(3)(ii))

&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
 aggregate amount of charges for third-party services and recording fees paid by or imposed
 on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i)
 by more than 10 percent

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;l. TRID
 Tolerance Testing - Lender Credits That Cannot Decrease Test (12 CFR §1026.19(e)(3)(i))

&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. 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)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;m. TRID
 Reimbursement Amount Test (12 CFR §1026.19(f)(2)(v))

&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. Refunds
 related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified
 under §1026.19(e)(3)(i) or (ii), the creditor complies with §1026.19(e)(1)(i) if
 the creditor refunds the excess to the consumer no later than 60 days after 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;n. TRID
 Reimbursement Date Test (12 CFR §1026.19(f)(2)(v))

&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. Refunds
 related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified
 under §1026.19(e)(3)(i) or (ii), the creditor complies with §1026.19(e)(1)(i) if
 the creditor refunds the excess to the consumer no later than 60 days after 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;o. Disclosure
 of Escrow Account (§1026.38(l)(7)

&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 indicates an escrow account will be established

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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
 all amounts disclosed in the Projected Payments Table are accurate (§1026.38)(c); (§1026.37(c)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verify
 all amounts disclosed in the Estimated Taxes, Insurance and Assessments (ETIA) are accurate
 (§1026.37(c)(4),(5)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Verify
 all amounts disclosed in Section G – Initial Escrow Payment and Closing are accurate
 (§1026.37(g)(3)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Verify
 all amounts disclosed in the Escrow Account Section are accurate (§1026.38(l)(7)

&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 indicates an escrow account will not be established

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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
 all amounts disclosed in the Projected Payments Table are accurate (§1026.38(c); (§1026.37(c)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verify
 all amounts disclosed in the Estimated Taxes, Insurance and Assessments (ETIA) are accurate
 (§1026.37(c)(4), (5)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Verify
 all amounts disclosed in the Escrow Account Section are accurate (§1026.38(l)(7)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;p. Disclosure
 of Seller Paid Closing Costs (§1026.38(t)(5)(v)(B)

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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;i. In
 transactions involving a seller, validate whether the lender disclosed all costs being paid
 by the seller on the borrowers 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;ii. If
 seller paid fees are present on the borrower's Closing Disclosure, review the seller's
 Closing Disclosure or alternative documentation for accuracy of 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;q. Post-consummation
 Event and Revised Closing Disclosure Delivery Date 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;i. The
 post-consummation revised closing disclosure delivery date is not more than 60 calendar days
 after the consummation date, or closing / settlement date if no consummation date was provided;
 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. The
 provided reimbursement date is not more than 60 calendar days after the consummation date,
 or closing / settlement date if no consummation date 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;r. Non-numeric
 Clerical Error and Post-consummation Revised Closing Disclosure Delivery Date Test (12 CFR
 §1026.19(f)(2)(iv))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. A
 creditor does not violate §1026.19(f)(1)(i) if the disclosures provided under §1026.19(f)(1)(i)
 contain non-numeric clerical errors, provided the creditor delivers or places in the mail
 corrected disclosures no later than 60 days after 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;s. Loan
 Calculation Test on the Closing Disclosure (12 CFR §1026.38)

&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. Finance
 Charge

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Amount
 Financed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Total
 of Payments

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Total
 Interest Percentage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Qualified
 Mortgage / Ability To Repay – Dodd Frank

&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. Classification
 of QM designated 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;i. Validate
 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

&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. Determination
 of conformity thresholds (Safe Harbor or Rebuttable Presumption

&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. Negative
 Amortization Loan (12 CFR 1026.43(e)(2)(i)(A))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. A
 qualified mortgage is a covered transaction that provides for regular periodic payments that
 are substantially equal, except for the effect that any interest rate change after consummation
 has on the payment in the case of an adjustable-rate or step-rate mortgage, that does not
 result in an increase of the principal balance

&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. Interest
 Only Loan (12 CFR 1026.43(e)(2)(i)(B))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. A
 qualified mortgage is a covered transaction that provides for regular periodic payments that
 are substantially equal, except for the effect that any interest rate change after consummation
 has on the payment in the case of an adjustable-rate or step-rate mortgage, that does not
 allow the consumer to defer repayment of principal

&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. Balloon
 Payment Loan (12 CFR 1026.43(e)(2)(i)(C))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. A
 qualified mortgage is a covered transaction that provides for regular periodic payments that
 are substantially equal, except for the effect that any interest rate change after consummation
 has on the payment in the case of an adjustable-rate or step-rate mortgage, that does not
 result in a balloon 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;e. Loan
 Term (12 CFR 1026.43(e)(2)(iii))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. A
 qualified mortgage is a covered transaction for which the loan term does not exceed 30 years

&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. Points
 and Fees (12 CFR §1026.43(e)(3))

&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 do not exceed the qualified mortgage points and fees 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;g. DTI
 (12 CFR §1026.43(e)(2)(vi))

&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
 ratio of the consumer's total monthly debt to total monthly income at the time of consummation
 does not exceed 43 percent, calculated in accordance with Appendix Q

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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;h. Prepayment
 Penalty (12 CFR 1026.43(g))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. A
 covered transaction must not include a prepayment penalty unless:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. The
 prepayment penalty is otherwise permitted by law; and 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;b. Has
 an annual percentage rate that cannot increase after consummation;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Is
 a qualified mortgage under paragraph (e)(2), (e)(4), or (f) of this section; 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;d. Is
 not a Higher Priced Mortgage Loan, as defined in § 1026.35(a)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Home
 Ownership and Equity Protection Act – HOEPA (Sections 32)

&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. Federal
 HOEPA coverage (12 CFR §1026.32(a)(1)(i), (ii)

&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. Tests
 that the loan is/is not secured by the consumer's principal dwelling; 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;ii. Tests
 that the loan is/ is not an open-end credit plan; 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;iii. That
 the application date of the loan occurs before/ after the effective date of October 1, 1995;
 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;iv. That
 the date the creditor received application occurs on or after January 10, 2014, the effective
 date of the High-Cost Mortgage amendments

&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. High-Cost
 Mortgage APR threshold test (12 CFR §1026.32(a)(1)(i)(A), (C))

&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
 loan is secured by a first-lien transaction, and the annual percentage rate (APR) does not
 exceed the Average Prime Offer Rate by more than 6.5%; 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;ii. The
 loan is a subordinate-lien transaction, and the annual percentage rate (APR), does not exceed
 the Average Prime Offer Rate by more than 8.5%

&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. High-Cost
 Mortgage Points and Fees Threshold Test (12 CFR §1026.32(a)(1)(ii)(A), (B))

&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
 total points and fees does not exceed allowable limits per the given loan amount

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. High-Cost
 Mortgage Prepayment Penalty Threshold Test (12 CFR §1026.32(a)(1)(iii))

&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
 loan contract or open-end credit agreement does not allow the creditor to charge:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. A
 prepayment penalty more than 36 months after consummation or account opening; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Prepayment
 penalties that can exceed, in total, more than 2 percent of the amount prepaid

&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. High-Cost
 Mortgage (12 CFR §1026.32(a)(1))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. High-Cost
 Mortgage Repayment Ability Test (12 CFR §1026.34(a)(4), 1026.43)

&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. Other
 high-costs tests pursuant to (12 CFR §1026.32(a)(1))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Timing
 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;ii. Balloon
 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;iii. 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;iv. Prepayment
 penalty

&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. Pre-loan
 counseling

&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. Late
 charges

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. Grace
 period

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Financing
 of points and fees

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Higher
 Priced Mortgage Loan – HMPL (section 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;a. Higher
 Priced Mortgage Loan test (12 CFR §1026.35(a)(1))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Higher
 Priced Mortgage Loan required escrow account test (12 CFR §1026.35(a)(1), (b)(2)(i)(A))

&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. Higher
 Priced Mortgage Loan prepayment term 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;d. Higher
 Priced Mortgage Loan escrow account test (12 CFR §1026.35(a))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. Prohibited
 Acts – Brokers Comp

&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. Broker
 Compensation Test (12 CFR §1026.36(d)(2)

&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
 any loan originator receives compensation directly from a consumer in a consumer credit transaction
 secured by a dwelling:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. No
 loan originator shall receive compensation, directly or indirectly, from any person other
 than the consumer in connection with the transaction; and

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. No
 person who knows or has reason to know of the consumer-paid compensation to the loan originator
 (other than the consumer) shall pay any compensation to a loan originator, directly or indirectly,
 in connection with the transaction

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. Nationwide
 Mortgage Licensing System (NMLS) Tests (12 CFR §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;a. 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;b. verify
 the data against the NMLSR database, as available

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**B.** **Real Estate Settlement Procedures Act – 12 CFR §1024 ("RESPA")** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Federal
 RESPA

&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. Homeownership
 Counseling Organizations Disclosure Date Test (12 CFR §1024.20(a))

&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. Not
 later than three business days after a lender, mortgage broker, or dealer receives an application,
 or information sufficient to complete an application, the lender must provide the loan applicant
 with a clear and conspicuous written list of homeownership counseling organizations that
 provide relevant counseling services in the loan applicant's location

&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. The
 list of homeownership counseling organizations distributed to each loan applicant under this
 section shall be obtained no earlier than 30 days prior to the time when the list is provided
 to the loan applicant

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Good
 Faith Estimate Disclosure Test (12 CFR §1024.7)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Not
 later than 3 business days after a loan originator (broker or lender) receives an application
 for a federally related mortgage loan, or information sufficient to complete an application,
 the loan originator must provide the applicant with a GFE

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Good
 Faith Estimate Disallowed Credit and Charge test (GFE Block 2)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Looks
 for any amounts entered for both a loan discount fee and a yield spread premium or a lender
 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;ii. Only
 one charge or one credit affecting the interest rate is allowed under the new RESPA regulations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**C.** **Equal Credit Opportunity Act – 12 CFR §1002 ("ECOA")** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. ECOA
 Valuation Rule (12 CFR §1002.14(a)(1))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Review
 all applicable loans for the Disclosure of Right to Receive a Copy of Appraisals. Validate
 if the customer(s) waived their right to receive copies of their appraisals three business
 days prior to consummation/account opening

&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. Review
 all applicable loans for proof that lender delivered copies of appraisals and other written
 valuations three business days before consummation (closed-end), or account opening (open-end)

&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
 the customer(s) waived their right to receive copies of their appraisals three business days
 prior to consummation/account opening, review the Post-Closing submission for an Acknowledgment
 of Receipt of Appraisal Report, or other proof that the lender provided provide the copies
 either at, or prior to, consummation or account opening

&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. State
 Specific tests (varies by state and applicability, by at a minimum includes);

&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. Consumer
 / Home Loan tests

&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. High
 cost tests

&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. Higher
 Priced Mortgage Loan tests

&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. APR
 threshold tests

&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. Points
 and fees threshold tests

&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. Cover
 loan tests

&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. Negative
 Amortization tests

&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. Prepayment
 tests

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**Document Review**

Incenter Diligence reviewed all mortgage loan files supplied and verified that the following documents, if applicable, were included in the file and that the data on the documents was consistent:

● Initial Application (1003)

● Final Application (1003)

● Loan Approval (1008)

● HUD1 from Sale of Previous Residence

● Loan Estimates and Closing Disclosures

● Sales Contract

● Mortgage/Deed of Trust

● Note

● Junior Lien Information

● Subordination Agreement

● Income Documentation

● Employment Documentation

● Asset Documentation

● Credit Reports

● 4506T/Tax Documentation

● Change of Circumstance Documentation

● Disclosures: Right of Rescission, Net Tangible Benefit and FACTA

● Appraisal

● Title/Preliminary Title

● Flood and Hazard Insurance Policies

● Notice of Special Flood Hazards

● Mortgage Insurance

**Other review and methodology**

Not applicable.

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**<u>Summary of findings and conclusions of review</u>**

Below provides the summary of the review findings:

**Final Overall Grade Summary**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Overall** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &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;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** |

---

**Credit Grade Summary**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &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;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** |

---

**Compliance Grade Summary**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &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;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** |

---

**Property Grade Summary**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &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;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** |

---

Page 12 of **14**

![](incenter_logo.jpg)

**Exception Summary**

Below provides a summary of the individual exceptions based on the general categories of Credit, Compliance, and Property.

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Credit Exception Categories** | &nbsp;&nbsp;**Exception** <br> **Count** | &nbsp;&nbsp;**Credit** <br> **Grade A** | &nbsp;&nbsp;**Credit** <br> **Grade B** | &nbsp;&nbsp;**Credit** <br> **Grade C** |
| &nbsp;&nbsp;Credit - Credit | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Credit - General Underwriting Guideline Violation | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Credit - Income and Assets | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Credit - Insurance and Title | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Credit - Legal Documentation | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;**0** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Compliance Exception Categories** | &nbsp;&nbsp;**Exception** <br> **Count** | &nbsp;&nbsp;**Compliance Grade A** | &nbsp;&nbsp;**Compliance Grade B** | &nbsp;&nbsp;**Compliance Grade C** |
| &nbsp;&nbsp;Compliance - Regulatory Compliance | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Compliance - TRID | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;**0** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Property Exception Categories** | &nbsp;&nbsp;**Exception** <br> **Count** | &nbsp;&nbsp;**Property** <br> **Grade A** | &nbsp;&nbsp;**Property** <br> **Grade B** | &nbsp;&nbsp;**Property** <br> **Grade C** |
| &nbsp;&nbsp;Property - Collateral | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;**0** |

---

**Data Integrity Summary**

The table below provides a summary of the data compare results:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Data Compare Field Name** | &nbsp;&nbsp;**# of Discrepancies** | &nbsp;&nbsp;**% of** <br> **Accuracy** |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Appraisal Value | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Appraiser Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Back/Qual DTI | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |

---

Page 13 of **14**

![](incenter_logo.jpg)

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;Coborrower 1 First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Coborrower 1 Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Doc Type Level | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;DSCR | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Front DTI | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;FTHB Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Rate Initial Cap | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Rate Life Cap | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Rate Periodic Cap | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Rate Rate Change Frequency | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Rate Life Floor | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Investor Qualifying DSCR | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Investor Qualifying DTI | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Margin | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Number of Units | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Occupancy Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Original / Note Payment | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Original Term to Maturity | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property State | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Street Address | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Zip | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;QM Designation | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying Credit Score | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Self Employed Mortgagor | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Self Employed Co-Borrower | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**97.83%** |

---

Page 14 of **14**

## Exhibit 99.7

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| TPR Firm: Edgemac | TPR Firm: Edgemac | Date Submitted: 12/21/2021 | Date Submitted: 12/21/2021 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Client Name: Loan Funding Structure LLC | Client Name: Loan Funding Structure LLC | Report:Exception Report | Report:Exception Report |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Deal Name: BRAVO 2026-NQM1 | Deal Name: BRAVO 2026-NQM1 | Loans in report: 1 | Loans in report: 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Report Date** | **Loan Number** | **Edgemac ID** | **Seller Loan Number** | **Originator** | **General Category** | **Exception** | **Exception ID** | **Date Exception Cured Waived Updated** | **Description of Clearance** | **Comments** | **Compensating Factors** | **Exception Status** | **Exception Category** | **Exception Event Level** | **Initial Review Date** | **Occupancy Type** | **Property State** | **Note Date** | **Loan Purpose** | **TILA Rating** | **Loan Initial** | **Loan Final** | **Credit Initial** | **Credit Final** | **Compliance Initial** | **Compliance Final** | **Property Initial** | **Property Final** |
| 12/21/2021 | 388257 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | Payoff demand reflects 1x60 day late. Payoff demand reflects payment due for XXX plus interest from XXX through<br> XXX. Subject funded on XXX. Guidelines allow for max 1x30 day late in past 12 months. | 7000-2089 | 7/5/2019 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | Letter from mortgage holder. | Compensating Factors: 1. XXX% DTI, XXX% less than program guideline maximum<br> DTI of XXX% XXX% LTV, XXX% less than program guideline maximum LTV of 70.00% XXX<br> months reserves, XXX months greater than program guideline 3 month reserves<br> requirement | Cured | Credit | EG1 | 6/26/2019 | Investment Property | XXX | XXX | Refinance - cash out | Not covered / exempt | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 | EG1 | EG1 |

---

## Exhibit 99.7

---

| | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| TPR Firm: Edgemac | TPR Firm: Edgemac | Date Submitted: 12/21/2021 | Date Submitted: 12/21/2021 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Client Name: Loan Funding Structure LLC | Client Name: Loan Funding Structure LLC | Report:Exception Report - Loan Level | Report:Exception Report - Loan Level |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Deal Name: BRAVO 2026-NQM1 | Deal Name: BRAVO 2026-NQM1 | Loans in report: 1 | Loans in report: 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Report Date** | **Loan Number** | **Edgemac ID** | **Seller Loan Number** | **Originator** | **Open Material Exceptions** | **Open Non Material Exceptions** | **Cleared Exceptions** | **Cured Exceptions** | **Waived Exceptions** | **Compensating Factors** | **Initial Review Date** | **Occupancy Type** | **Property State** | **Note Date** | **Loan Purpose** | **TILA Rating** | **Loan Initial** | **Loan Final** | **Credit Initial** | **Credit Final** | **Compliance Initial** | **Compliance Final** | **Property Initial** | **Property Final** |
| 12/21/2021 | 388257 | XXX | XXX | XXX |  |  | 1) Missing satisfactory mortgage rating 1x30 for past 12 months for XXX (Lender)<br> COMMENTS: Letter from mortgage holder.<br> 2) Missing updated master condo insurance binder. Master binder provided expired on<br> XXX.<br> COMMENTS: Effective Date XXX to XXX<br> 3) Payoff demand reflects 1x60 day late. Payoff demand reflects payment due for XXX<br> plus interest from XXX through XXX. Subject funded on XXX. Guidelines allow for max<br> 1x30 day late in past 12 months.<br> COMMENTS: Letter from mortgage holder. |  |  | Compensating Factors: 1. XXX% DTI, XXX% less than program guideline maximum DTI of<br> 50.00% 2. XXX% LTV, XXX% less than program guideline maximum LTV of 70.00% 3. XXX<br> months reserves, XXX months greater than program guideline 3 month reserves<br> requirement | 6/26/2019 | Investment Property | XXX | XXX | Refinance - cash out | Not covered / exempt | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 | EG1 | EG1 |

---

## Exhibit 99.7

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| TPR Firm: Edgemac | TPR Firm: Edgemac | Date Submitted: 12/21/2021 | Date Submitted: 12/21/2021 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Client Name: Loan Funding Structure LLC | Client Name: Loan Funding Structure LLC | Report:Rating Agency Grades | Report:Rating Agency Grades |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Deal Name: BRAVO 2026-NQM1 | Deal Name: BRAVO 2026-NQM1 | Loans in report: 1 | Loans in report: 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  |  |  |  |  |  | **INITIAL CREDIT GRADES** | **INITIAL CREDIT GRADES** | **INITIAL CREDIT GRADES** | **INITIAL CREDIT GRADES** | **INITIAL CREDIT GRADES** | **INITIAL COMPLIANCE GRADES** | **INITIAL COMPLIANCE GRADES** | **INITIAL COMPLIANCE GRADES** | **INITIAL COMPLIANCE GRADES** | **INITIAL COMPLIANCE GRADES** | **INITIAL PROPERTY GRADES** | **INITIAL PROPERTY GRADES** | **INITIAL PROPERTY GRADES** | **INITIAL PROPERTY GRADES** | **INITIAL PROPERTY GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **FINAL CREDIT GRADES** | **FINAL CREDIT GRADES** | **FINAL CREDIT GRADES** | **FINAL CREDIT GRADES** | **FINAL CREDIT GRADES** | **FINAL COMPLIANCE GRADES** | **FINAL COMPLIANCE GRADES** | **FINAL COMPLIANCE GRADES** | **FINAL COMPLIANCE GRADES** | **FINAL COMPLIANCE GRADES** | **FINAL PROPERTY GRADES** | **FINAL PROPERTY GRADES** | **FINAL PROPERTY GRADES** | **FINAL PROPERTY GRADES** | **FINAL PROPERTY GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** |
| **Report Date** | **Loan Number** | **Edgemac ID** | **Seller Loan Number** | **Originator** | **Loan Amount** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** |
| 12/21/2021 | 388257 | XXX | XXX | XXX | XXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |

---

## Exhibit 99.7

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| TPR Firm: Edgemac | TPR Firm: Edgemac | Date Submitted: 12/21/2021 | Date Submitted: 12/21/2021 |  |  |  |  |  |
| Client Name: Loan Funding Structure LLC | Client Name: Loan Funding Structure LLC | Report:Final Tape Compare | Report:Final Tape Compare |  |  |  |  |  |
| Deal Name: BRAVO 2026-NQM1 | Deal Name: BRAVO 2026-NQM1 | Loans in report: 1 | Loans in report: 1 |  |  |  |  |  |
| **Report Date** | **Loan Number** | **Edgemac ID** | **Seller Loan Number** | **Originator** | **Field** | **Final Tape Data** | **Reviewer Data** | **Comment** |
| 12/21/2021 | 388257 | XXX | XXX | XXX | Investor Qualifying DTI | XXX | XXX | Discrepancy: Verified per source documents. |

---

## Exhibit 99.7

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| TPR Firm: Edgemac | TPR Firm: Edgemac | Date Submitted: 12/21/2021 | Date Submitted: 12/21/2021 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Client Name: Loan Funding Structure LLC | Client Name: Loan Funding Structure LLC | Report: Supplemental Data | Report: Supplemental Data |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Deal Name: BRAVO 2026-NQM1 | Deal Name: BRAVO 2026-NQM1 | Loans in report: 1 | Loans in report: 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Report Date** | **Loan Number** | **Edgemac ID** | **Seller Loan Number** | **Most Recent Pay History Longest Available** | **Credit based Modification Flag** | **Type of Modification** | **Modification Term** | **Servicing Transfer Date** | **Borrower 3 Original Score** | **Borrower 4 Original Score** | **Borrower 3 Original Score Date** | **Borrower 4 Original Score Date** | **Borrower 3 Updated Score** | **Borrower 4 Updated Score** | **Borrower 3 Updated Score Date** | **Borrower 4 Updated Score Date** | **FN Alternative Credit Documentation** | **Borrower Residency Status** | **Co-Borrower Residency Status** | **UW Guideline Author** | **UW Guideline Date** | **UW Guideline Program** | **Originator Credit Grade if appl** | **Correspondent Name** | **Qualifying Credit Score** | **Qualifying Home Value for LTV** | **HOA Flag** | **HOA Monthly Premium Amount** | **Borrower Employment Status** | **Co Borrower Employment Status** | **No of Months Statement** | **Type of Statements** | **Assets / Income Doc Source - Bank Statements** | **Income Doc Source (m) - W2** | **Income Doc Source (m) - Tax Returns** | **Assets / Income Doc Source (m) - Asset Depletion** | **Income Doc Source (m) - P&L** | **Asset Verification (d)** | **Borrower 1 Doc Type** | **Borrower 2 Doc Type** | **Borrower 3 Doc Type** | **Borrower 4 Doc Type** | **Investor DTI Prop DTI** | **Actual In Place Rent** | **Third Party Market Rent** | **Recourse** | **Rent Loss Insurance m** | **Executed NOO Docs In File** | **# Units** | **Lease In Place Flag** | **Borrower 1 Type** | **Borrower 2 Type** | **No Mtg Prop With Lender** | **No of Properties** | **Year Built** | **Total Sq Ft** | **Property Condition** | **# Beds** | **# Baths** | **Section 8** | **Acquisition Cost** | **Renovation Cost** | **UW Gross Potential Rent** | **UW Economic Vacancy** | **UW Effective Gross Income** | **UW RE Taxes** | **UW Ins Costs** | **UW Prop Mgmt Fee** | **UW Turnover Costs** | **UW Repairs and Maintenance** | **UW Marketing and Leasing Costs** | **UW Utilities** | **UW Other Costs** | **UW HOA Fees** | **UW Cap Ex Reserve** | **Lease End Date** | **Borrower 1 Name - By Income** | **Borrower 2 Name - By Income** | **Borrower First Name - Per Application** | **Borrower Last Name - Per Application** | **Co Borrower First Name - Per Application** | **Co Borrower Last Name - Per Application** | **Guarantor 1 Name** | **Guarantor 1 Experian Score** | **Guarantor 1 Transunion Score** | **Guarantor 1 Most Recent Tri Merge Score** | **Guarantor 1 Most Recent Tri Merge Score Date** | **Guarantor 1 Total Income** | **Guarantor 1 Total Debt** | **Guarantor 2 Name** | **Guarantor 2 Equifax Score** | **Guarantor 2 Experian Score** | **Guarantor 2 Transunion Score** | **Guarantor 2 Most Recent Tri Merge Score** | **Guarantor 2 Most Recent Tri Merge Score Date** | **Guarantor 2 Total Income** | **Guarantor 2 Total Debt** | **ACH Payments** | **Tape Cut Off Date** | **Annual Property Tax** | **Annual Insurance Costs** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Months Deed in Lieu** | **Months Short Sale or Pre FC** | **Months Modification** | **Prior Mtg Rent Late 30d in 24m** | **Prior Mtg Rent Late 60d in 24m** | **Prior Mtg Rent Late 90d in 24m** | **Life Event LOE** | **Life Event Documented** | **Prior Occupancy Type** | **Number of Prior Credit Events** | **Loan Application Date** | **Regulatory Loan Purpose** | **APR** | **Points Fees** | **QM Designation** | **ATR Status** | **Rate Lock Date** | **Residual Income Originator** | **QM Agency UW Test** | **Non QM Reason Product Type** | **Non QM Reason DTI Test 43 App Q** | **Non QM Reason Not App Q Any DTI** | **Non QM Reason Pts Fees** | **Non QM Reason Other** | **Executed ATR Docs In File** | **QM ATR Exempt Reason** | **TRID Applicable** | **Full SFIG TRID 3 0 Scope Reviewed** | **LP Grade** | **DU Grade** | **AUS Engine** | **Collateral Underwriter CU risk score** | **Property Inspection Wavier PIW** | **DSCR** | **PITIA** | **Income Used in DSCR** | **Qualifying Rate** | **Maturity Date** | **P I Payment** | **QM DTI** | **ATR DTI** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **HUD-1 Page 1 (Credits) Total** | **BALLOON FLAG** | **FIRST RATE ADJUSTMENT DATE** | **FIRST PAYMENT ADJUSTMENT DATE** | **PAYMENT ADJUSTMENT FREQUENCY** | **BORROWER 1 FIRST TIME HOME BUYER** | **BORROWER 2 FIRST TIME HOME BUYER** | **MOST RECENT BANKRUPTCY FILING DATE** | **MOST RECENT BANKRUPTCY TYPE** | **MOST RECENT BANKRUPTCY DISCHARGE DATE** | **MOST RECENT FORECLOSURE DATE** | **MOST RECENT SHORT SALE DATE** | **MOST RECENT DEED IN LIEU DATE** | **LEASEHOLD INDICATOR** | **QUALIFYING PAYMENT** | **TOTAL ASSETS** | **WARRANTABLE CONDO** |
| 12/02/2021 | 388257 | XXX | XXX | X |  |  |  |  |  |  |  |  |  |  |  |  | Not used | Borrower is a Foreign National - Legal residency has been verified |  |  | XXX | XXX |  | XXX |  | XXX | Y | XXX | XXX |  |  |  | Bank Statements_Joint_{Bank}_01_31_2019_3606.pdf<br> Bank Statements_Joint_{Bank}_01_31_2019_3606_1.pdf<br> Bank Statements_Joint_{Bank}_02_28_2019_3606.pdf<br> Bank Statements_Joint_{Bank}_02_28_2019_3606_1.pdf<br> Bank Statements_Joint_{Bank}_03_29_2019_3606.pdf<br> Bank Statements_Joint_{Bank}_03_29_2019_3606_1.pdf<br> Bank Statements_Joint_{Bank}_04_30_2019_3606.pdf<br> Bank Statements_Joint_{Bank}_04_30_2019_3606_1.pdf<br> Bank Statements_Joint_{Bank}_04_30_2019_3606_2.pdf<br> Bank Statements_Joint_{Bank}_05_31_2019_3606.pdf<br> Bank Statements_Joint_{Bank}_05_31_2019_3606_1.pdf |  |  |  |  | 30 | 12 Month Verification (S/E Only) | 12 Month Verification (S/E Only) |  |  | XXX |  |  |  |  |  | 1 |  |  |  | 0 | 0 | 1990 |  | C3 - Well maintained/normal wear and tear |  |  |  | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  | XXX |  |  | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  | 0 | 0 | 0 |  |  |  | 0 | XXX | Business Purpose | 0.000% |  | Not covered / exempt | Compliant |  | XXX |  | N | N | N | N | N |  | Investor Property | N | N |  |  |  |  | No |  | XXX |  | 7.50% | XXX | XXX | XXX | XXX |  |  |  | No | XXX | XXX | 12 months / yearly | Borrower has prior home ownership experience within the past 3 years |  |  |  |  |  |  |  | No | XXX | XXX | Warrantable Condo |

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## Exhibit 99.7

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| TPR Firm: Edgemac | TPR Firm: Edgemac | Date Submitted: 12/21/2021 | Date Submitted: 12/21/2021 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Client Name: Loan Funding Structure LLC | Client Name: Loan Funding Structure LLC | Report:Valuation Summary Report | Report:Valuation Summary Report |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Deal Name: BRAVO 2026-NQM1 | Deal Name: BRAVO 2026-NQM1 | Loans in report: 1 | Loans in report: 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Report Date** | **Loan Number** | **Edgemac ID** | **Seller Loan Number** | **Originator** | **Origination Date** | **Original Loan Amount** | **Sales Price** | **Original Appraised Property Value** | **Original Property Valuation Date** | **Original Appraisal Form** | **Property Value Used for Loan to Value1** | **Second Appraisal/ Valuation Value** | **Second Appraisal/ Valuation Variance Amount** | **Second Appraisal/ Valuation Percent** | **Second Appraisal/ Valuation Date** | **Second Appraisal/ Valuation Type** | **Second Full Appraisal Property Value** | **Second Full Appraisal Date** | **Original Automated Valuation Model AVM Model Name** | **Original AVM Confidence Score** | **Desk Review Property Value** | **Variance Percent** | **Desk Review Risk Score** | **Desk Review Date** | **Form 2055 Appraisal Property Value** | **Form 2055 Appraisal Appraisal Date** | **Original Automated Valuation Model AVM Property Value** | **Original Automated Valuation Model AVM Appraisal Date** | **Broker s Price Opinion BPO Property Value** | **Broker s Price Opinion BPO Appraisal Date** | **Most Recent Property Value** | **Most Recent Property Valuation Type** | **Most Recent Property Valuation Date** | **Most Recent AVM Model Name** | **Most Recent AVM Confidence Score** | **Collateral Underwriter Risk Score** |
| 12/21/2021 | 388257 | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 1073 | XXX | XXX | $0.00 | 0% | XXX | CDA |  |  |  |  | XXX | 0.00% | Moderate | XXX |  |  |  |  |  |  | XXX | 9 | XXX |  |  |  |

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