# EDGAR Filing Document

**Accession Number:** 0001547361
**File Stem:** 0001999371-25-010857
**Filing Date:** 2025-8
**Character Count:** 3165484
**Document Hash:** 791d81f8d31a36d84b445713d3b9bfa8
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001999371-25-010857.hdr.sgml**: 20250807

**ACCESSION NUMBER**: 0001999371-25-010857

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

**PUBLIC DOCUMENT COUNT**: 48

**CONFORMED PERIOD OF REPORT**: 20250807

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

**FILED AS OF DATE**: 20250807

**DATE AS OF CHANGE**: 20250807

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

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

**FILER**: 

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

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-01951
- **FILM NUMBER:** 251193833

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

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

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

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

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

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

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

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

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

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

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

Date of Report (Date of filing) __________________

Commission File Number of securitizer: __________________

Central Index Key Number of securitizer:__________________

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

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

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

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

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

Central Index Key Number of depositor: <u>0001547361</u> 

**MORGAN STANLEY RESIDENTIAL MORTGAGE LOAN TRUST 2025-NQM6**

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

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

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

**Chris Scott, (212) 761-4940**

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

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

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

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

**SIGNATURES**

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

MORGAN STANLEY CAPITAL I INC.

---

| | | |
|:---|:---|:---|
| Date: August 7, 2025 | By: | /s/ Chris Scott |
|  | Name: | Chris Scott |
|  | Title: | Authorized Signatory |

---

**EXHIBIT INDEX**

<u>Exhibit Number</u>

[99.1](ex99-1.htm) [Third Party Due Diligence Report – Ernst & Young LLP Report of Independent Accountants on Applying Agreed-Upon Procedures](ex99-1.htm)

[99.2](ex99-2.htm) [Third Party Due Diligence Report – AMC Diligence, LLC Executive Summary](ex99-2.htm)

[Schedule 1 – Exception Grades Report](ex992s1.htm)

[Schedule 2 – Rating Agency Grades Report](ex992s2.htm)

[Schedule 3 – Data Compare Report](ex992s3.htm)

[Schedule 4 – Valuation Summary Report](ex992s4.htm)

[Schedule 5 – Supplemental Report](ex992s5.htm)

[99.3](ex99-3.htm) [Third Party Due Diligence Report – Clarifii LLC Due Diligence Narrative Report](ex99-3.htm)

[Schedule 1 – Rating Agency Grades Detail Report](ex993s1.htm)

[Schedule 2 – Rating Agency Grades Summary Report](ex993s2.htm)

[Schedule 3 – Data Compare Report](ex993s3.htm)

[Schedule 4 – ATR QM Report](ex993s4.htm)

[Schedule 5 – Valuation Report](ex993s5.htm)

[99.4](ex99-4.htm) [Third Party Due Diligence Report – Clayton Services LLC Due Diligence Narrative Report](ex99-4.htm)

[Schedule 1 – Non ATR QM Upload Report](ex994s1.htm)

[Schedule 2 – Conditions Report](ex994s2.htm)

[Schedule 3 – Loan Level Tape Compare Report](ex994s3.htm)

[Schedule 4 – Rating Agency ATR QM Report](ex994s4.htm)

[Schedule 5 – Valuation Summary Report](ex994s5.htm)

[Schedule 6 – Waived Conditions Report](ex994s6.htm)

[99.5](ex99-5.htm) [Third Party Due Diligence Report – Consolidated Analytics, Inc. Executive Summary](ex99-5.htm)

[Schedule 1 – Due Diligence Standard Report](ex995s1.htm)

[Schedule 2 – Rating Agency Grades Summary Report](ex995s2.htm)

[Schedule 3 – Valuations Summary Report](ex995s3.htm)

[Schedule 4 – Data Compare Report](ex995s4.htm)

[99.6](ex99-6.htm) [Third Party Due Diligence Report – Digital Risk Narrative](ex99-6.htm)

[Schedule 1 – Data Integrity Report](ex996s1.htm)

[Schedule 2 – Rebuttal Findings Report](ex996s2.htm)

[Schedule 3 – Rating Agency Grades Report](ex996s3.htm)

[Schedule 4 – Valuation Report](ex996s4.htm)

[99.7](ex99-7.htm) [Third Party Due Diligence Report – Selene Diligence LLC Due Diligence Narrative Report](ex99-7.htm)

[Schedule 1 – Rating Agency Grades Summary Report](ex997s1.htm)

[Schedule 2 – Valuation Report](ex997s2.htm)

[Schedule 3 – Data Compare Report](ex997s3.htm)

[Schedule 4 – Standard Findings Report](ex997s4.htm)

[Schedule 5 – Supplemental Data Extract Report](ex997s5.htm)

## Exhibit 99.1

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

**Exhibit 99.1**

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| | | |
|:---|:---|:---|
| ![](ex991001.jpg) | **Ernst & Young LLP**<br> One Manhattan West<br> New York, NY 10001 | Tel: +1 212 773 3000<br> ey.com |

---

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

Morgan Stanley Mortgage Capital Holdings LLC (the "Sponsor") Morgan Stanley Capital I Inc. (the "Depositor") Morgan Stanley & Co. LLC (the "Initial Purchaser") 1585 Broadway, 24<sup>th</sup> Floor New York, New York 10036 5 August 2025 <br>

---

| | |
|:---|:---|
| **Re:** | **Morgan Stanley Residential Mortgage Loan Trust 2025-NQM6 (the "Issuing Entity")** |

---

**Mortgage Pass-Through Certificates, Series 2025-NQM6 (the "Certificates")**

**Sample Mortgage Loan Agreed-Upon Procedures**

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Labeled
 "MSRM 2025-NQM6 - Prelim Pop.xlsx" (the "Loan Listing Data File"),
 that the Initial Purchaser, on behalf of the Depositor, indicated contains a list of
 identification numbers (each, an "Investor Loan ID") relating to certain
 mortgage loans (the "Base Preliminary Mortgage Loans") that are expected
 to be representative of the Mortgage Loans and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Labeled
 "MSRM 2025-NQM6 Rating Agency Tape.xlsx" and the corresponding record layout
 and decode information, as applicable (the "Base Preliminary Data File"),
 that the Initial Purchaser, on behalf of the Depositor, indicated contains information
 as of 1 August 2025 (the "Cut-off Date") relating to certain mortgage loans
 (the "Preliminary Mortgage Loans"), that are expected to be representative
 of the Mortgage Loans,

---

| | |
|:---|:---|
| ![](ex991001.jpg) | Page 2 of 3 |

---

b. An
 electronic data file labeled "MSRM 2025-NQM6 LoanID Mappings.xlsx" and the
 corresponding record layout and decode information, as applicable (the "Loan ID
 Mapping File"), that the Initial Purchaser, on behalf of the Depositor, indicated
 contains loan ID information corresponding to certain Preliminary Mortgage Loans,

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Promissory
 note (the "Note"),

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Appraisal
 report (the "Appraisal"),

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Conditional
 approval (the "Conditional Approval"),

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. Fraud
 report (the "Fraud Report") and

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

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

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

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

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

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

---

| | |
|:---|:---|
| ![](ex991001.jpg) | Page 3 of 3 |

---

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

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

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

b. Making
 any findings with respect to:

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

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

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

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

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

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

/s/ Ernst & Young LLP

5 August 2025

---

| | |
|:---|:---|
| ![](ex991001.jpg) | **Attachment A** |

---

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

1. As
 instructed by the Initial Purchaser, on behalf of the Depositor, we randomly selected
 a sample of 225 Base Preliminary Mortgage Loans from the Loan Listing Data File (the
 "Base Sample Mortgage Loans"). For the purpose of this procedure, the Initial
 Purchaser, on behalf of the Depositor, did not inform us as to the basis for how they
 determined the number of Base Sample Mortgage Loans or the methodology they instructed
 us to use to select the Base Sample Mortgage Loans from the Loan Listing Data File.

For the purpose of the procedures described in this report, the 225 Base Sample Mortgage Loans are referred to as Sample Mortgage Loan Numbers 1 through 225.

2. As
 instructed by the Initial Purchaser, on behalf of the Depositor, we appended the information
 for each Preliminary Mortgage Loan on the Base Preliminary Data File, as applicable,
 with the corresponding information contained on the Loan ID Mapping File, as applicable.

The Base Preliminary Data File, as adjusted, is hereinafter referred to as the "Preliminary Data File."

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. 42
 of the Base Preliminary Mortgage Loans included on the Loan Listing Data File were not
 included on the Preliminary Data File, six of which were Base Sample Mortgage Loans (the
 "Removed Sample Mortgage Loans").

The Removed Sample Mortgage Loans were Sample Mortgage Loan Numbers 1, 2, 32, 218, 219 and 220. The 219 Base Sample Mortgage Loans included on the Preliminary Data File are hereinafter referred to as the "Sample Mortgage Loans."

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

**Exhibit 1 to Attachment A**

Page 1 of 7

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

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| | | | |
|:---|:---|:---|:---|
| **Sample Characteristic** | **Preliminary<br> Data File Field Name** | **Source Document(s)** | **Note(s)** |
| Loan number | Investor Loan ID | Note | i. |
| Original principal balance | Original Loan Amount | Note |  |
| Original interest rate | Original Interest Rate | Note |  |
| First payment date | First Payment Date of Loan | Note |  |
| Maturity date | Maturity Date | Note |  |
| Property state | State | Note |  |
| Property zip code | Postal Code | Note |  |
| Original term | Original Term to Maturity | (a) Note or<br> (b) Note and recalculation | ii. |
| Original interest only term | Original Interest Only Term | (a) Note or<br> (b) Note and recalculation | iii. |
| Prepayment charge term | Prepayment Penalty Total Term | Note |  |
| Occupancy status | Occupancy | Application or Underwriting Summary | iv., v. |
| Appraisal value | Original Appraised Property Value | (a) Appraisal,<br> (b) Conditional Approval or<br> (c) Appraisal and recalculation | vi., vii. |
| Property type | Property Type | Appraisal or Underwriting Summary | vi., viii. |
| Sale price | Sales Price | Settlement Statement | ix. |
| Loan purpose | Loan Purpose | Application, Fraud Report, Credit Report or Recalculation | iv., x. |
| Junior lien balance | Junior Mortgage Balance | Underwriting Summary, Application, Settlement Statement or Credit Report | iv., ix., xi. |
| Index description | Index Type | Note | xii. |
| Gross margin | Gross Margin | Note | xii. |

---

**Exhibit 1 to Attachment A**

Page 2 of 7

---

| | | | |
|:---|:---|:---|:---|
| **Sample Characteristic** | **Preliminary<br> Data File Field Name** | **Source Document(s)** | **Note(s)** |
| Initial fixed rate period | Initial Fixed Rate Period | (a) Note or<br> (b) Note and recalculation | xii., xiii. |
| Subsequent interest rate reset period | Subsequent Interest Rate Reset Period | (a) Note or<br> (b) Note and recalculation | xii. |
| Initial interest rate cap change up | Initial Interest Rate Cap Change Up | (a) Note or<br> (b) Note and recalculation | xii., xiv. |
| Initial interest rate cap change down | Initial Interest Rate Cap Change Down | Note and recalculation | xii., xv. |
| Subsequent interest rate change up | Subsequent Interest Rate Change Up | Note | xii. |
| Subsequent interest rate change down | Subsequent Interest Rate Change Down | Note | xii. |
| Maximum interest rate | Lifetime Maximum Rate Ceiling | Note | xii. |
| Minimum interest rate | Lifetime Minimum Rate Floor | Note or Settlement Statement | ix., xii., xvi. |
| Original loan-to-value ratio | Original LTV | Recalculation | xvii., xviii., xx. |
| Combined loan-to-value ratio | Original CLTV | Recalculation | xvii., xix., xx. |

---

**Exhibit 1 to Attachment A**

Page 3 of 7

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

i. For
 identification purposes only.

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

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

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

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

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

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

iv. For
 the purpose of comparing the indicated Sample Characteristics for each Sample Mortgage
 Loan, the Initial Purchaser, on behalf of the Depositor, provided one or more Applications.
 For the purpose of comparing the indicated Sample Characteristics for each Sample Mortgage
 Loan with more than one Application, the Initial Purchaser, on behalf of the Depositor,
 instructed us to use the most recent Application as the Source Document (and in accordance
 with any other applicable note(s)).

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

vi. For
 the purpose of comparing the indicated Sample Characteristics for each Sample Mortgage
 Loan (except for the appraisal value for Sample Mortgage Loan Number 150), the Initial
 Purchaser, on behalf of the Depositor, provided one or more Appraisals. For the purpose
 of comparing the indicated Sample Characteristics for each Sample Mortgage Loan with
 more than one Appraisal, the Initial Purchaser, on behalf of the Depositor, instructed
 us to use the Appraisal with the lowest appraisal value as the Source Document (and in
 accordance with any other applicable note(s)).

For the purpose of comparing the appraisal value Sample Characteristic for Sample Mortgage Loan Number 150, the Initial Purchaser, on behalf of the Depositor, instructed us to use the Conditional Approval as the Source Document (and in accordance with any other applicable note(s)).

**Exhibit 1 to Attachment A**

Page 4 of 7

**<u>Notes</u>:** (continued)

vii. For
 any Sample Mortgage Loan secured by multiple mortgaged properties and for which the Initial
 Purchaser, on behalf of the Depositor, provided an Appraisal for each mortgaged property
 relating to the Sample Mortgage Loan, the Initial Purchaser, on behalf of the Depositor,
 instructed us to use the sum of the appraisal values for the related mortgaged properties,
 as shown in the corresponding Appraisals (and in accordance with any other applicable
 note(s)).

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

For the purpose of comparing the property type Sample Characteristic for each Sample Mortgage Loan, the Initial Purchaser, on behalf of the Depositor, instructed us to note agreement with a property type of "dPUD" if the property is attached and a PUD, both as shown in the applicable Source Document (and in accordance with any other applicable note(s)).

For the purpose of comparing the property type Sample Characteristic for each Sample Mortgage Loan, the Initial Purchaser, on behalf of the Depositor, instructed us to note agreement with a property type of "Townhouse" if the design style is "Twnhse," as shown in the applicable Source Document (and in accordance with any other applicable note(s)).

For the purpose of comparing the property type Sample Characteristic for each Sample Mortgage Loan, the Initial Purchaser, on behalf of the Depositor, instructed us to note agreement with a property type of "Single Family Detached (non-PUD)" if the property is attached and the design style is colonial, both as shown in the applicable Source Document (and in accordance with any other applicable note(s)).

For the purpose of comparing the property type Sample Characteristic for each Sample Mortgage Loan with a type of "S-Det./End Unit" and a design style of "Row," "Duplex" or "Twin," as shown in the Appraisal, the Initial Purchaser, on behalf of the Depositor, instructed us to note agreement with a property type of "1 Family Attached."

ix. For
 the purpose of comparing the indicated Sample Characteristics for each Sample Mortgage
 Loan, the Initial Purchaser, on behalf of the Depositor, provided one or more Settlement
 Statements. For the purpose of comparing the indicated Sample Characteristics for each
 Sample Mortgage Loan with more than one Settlement Statement the Initial Purchaser, on
 behalf of the Depositor, instructed us to use the most recent Settlement Statement as
 the Source Document (and in accordance with any other applicable note(s)).

**Exhibit 1 to Attachment A**

Page 5 of 7

**<u>Notes</u>:** (continued)

x. For
 the purpose of comparing the loan purpose Sample Characteristic for each Sample Mortgage
 Loan with a loan purpose of "First Time Home Purchase" or "Other-than-first-time
 Home Purchase," as shown on the Preliminary Data File (each, a "Purchase
 Sample Mortgage Loan"), the Initial Purchaser, on behalf of the Depositor, instructed
 us to note agreement if the value on the Preliminary Data File agreed with the corresponding
 information in the Application, Credit Report or Fraud Report (and in accordance with
 any other applicable note(s)). We performed no procedures to reconcile any differences
 that may exist relating to the information in the Source Documents relating to the loan
 purpose Sample Characteristic for any Purchase Sample Mortgage Loan.

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(2) Total
 closing costs relating to the Refinanced Sample Mortgage Loan, as shown in the Settlement
 Statement (and in accordance with any other applicable note(s)

For each Refinanced Sample Mortgage Loan, the Initial Purchaser, on behalf of the Depositor, instructed us to note agreement with a loan purpose of:

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

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

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

**Exhibit 1 to Attachment A**

Page 6 of 7

**<u>Notes</u>:** (continued)

xii. For
 the purpose of comparing the indicated Sample Characteristics (collectively, the "ARM
 Sample Characteristics") for each Sample Mortgage Loan with a gross margin value
 greater than "0.000(%)," as shown in the Note (each, an "ARM Sample
 Mortgage Loan"), the Initial Purchaser, on behalf of the Depositor, instructed
 us to use the indicated Source Document(s) (and in accordance with any other applicable
 note(s)).

The Initial Purchaser, on behalf of the Depositor, instructed us not to perform any procedures with respect to the ARM Sample Characteristics for any Sample Mortgage Loan that is not an ARM Sample Mortgage Loan (each, a "FRM Sample Mortgage Loan").

xiii. For
 the purpose of comparing the initial fixed rate period Sample Characteristic for each
 ARM Sample Mortgage Loan that does not have the initial fixed rate period specifically
 stated in the Note, the Initial Purchaser, on behalf of the Depositor, instructed us
 to recalculate the initial fixed rate period as the sum of:

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

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

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

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

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

both as shown in the Note.

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(1) Original
 interest rate and

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

both as shown in the Note, and

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

**Exhibit 1 to Attachment A**

Page 7 of 7

**<u>Notes</u>:** (continued)

xvi. For
 the purpose of comparing the minimum interest rate Sample Characteristic for each ARM
 Sample Mortgage Loan that does not have the minimum interest rate specifically stated
 in the Note or Settlement Statement (and in accordance with any other applicable note(s)),
 the Initial Purchaser, on behalf of the Depositor, instructed us to use the gross margin,
 as shown in the Note, as the minimum interest rate.

xvii. For
 each Sample Mortgage Loan, the Initial Purchaser, on behalf of the Depositor, instructed
 us to calculate the "Value for LTV" as:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) In
 the case of a Purchase Sample Mortgage Loan, the lesser of the (1) appraisal value, as
 shown in the Appraisal (and in accordance with any other applicable note(s)), and (2)
 sale price, as shown in the Settlement Statement (and in accordance with any other applicable
 note(s)),

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) In
 the case of a Refinanced Sample Mortgage Loan (except for Sample Mortgage Loan Numbers
 60, 90 and 196), the appraisal value, as shown in the Appraisal (and in accordance with
 any other applicable note(s)),

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) In
 the case of Sample Mortgage Loan Numbers 60 and 90, the value used for LTV, as shown
 on the Preliminary Data File, or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(d) In
 the case of Sample Mortgage Loan Number 196, the price of prior sale or transfer, as
 shown in the Appraisal (and in accordance with any other applicable note(s)).

xviii. For
 the purpose of comparing the original loan-to-value ratio Sample Characteristic for each
 Sample Mortgage Loan, the Initial Purchaser, on behalf of the Depositor, instructed us
 to recalculate the original loan-to-value ratio by:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) Dividing
 the original principal balance, as shown in the Note, by the Value for LTV, as calculated
 herein, and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) Rounding
 the value calculated in (a) above to the fourth decimal place (X.XXXX).

xix. For
 the purpose of comparing the combined loan-to-value ratio Sample Characteristic for each
 Sample Mortgage Loan, the Initial Purchaser, on behalf of the Depositor, instructed us
 to recalculate the combined loan-to-value ratio by:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) Summing
 the original principal balance, as shown in the Note, and junior lien balance, as shown
 in the applicable Source Document(s) (and in accordance with any other applicable note(s)),

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) Dividing
 the value calculated in (a) by the Value for LTV, as calculated herein, and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) Rounding the value calculated in (b) above to the fourth decimal place (X.XXXX).

xx. For
 the purpose of comparing the indicated Sample Characteristics for each Sample Mortgage
 Loan, the Initial Purchaser, on behalf of the Depositor, instructed us to ignore differences
 of +/- 0.0001 or less.

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

**Exhibit 2 to Attachment A**

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

---

| | | | |
|:---|:---|:---|:---|
| **Sample Mortgage Loan Number** | **Sample Characteristic** | **Preliminary Data File Value** | **Source Document Value** |
| 43 | Sale price | [Redacted] | [Redacted] |
|  | Original loan-to-value ratio | 0.7653 | 0.7500 |
|  | Combined loan-to-value ratio | 0.7653 | 0.7500 |
| 66 | Initial interest rate cap change down | 5.000 | 0.000 |
| 73 | Initial interest rate cap change down | 5.000 | 0.000 |
| 79 | Initial interest rate cap change down | 5.000 | 0.000 |
| 82 | Initial interest rate cap change down | 5.000 | 0.000 |
| 84 | Initial interest rate cap change down | 5.000 | 0.000 |
| 90 | Appraisal value | [Redacted] | [Redacted] |
|  | Initial interest rate cap change down | 5.000 | 0.000 |
| 196 | Original loan-to-value ratio | 0.7480 | 0.8312 |
|  | Combined loan-to-value ratio | 0.7480 | 0.8312 |
| 211 | Initial interest rate cap change down | 5.000 | 0.000 |
| 216 | Loan purpose | Refinance - Rate Term | Refinance - Cash Out |

---

## Exhibit 99.2

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

**Exhibit 99.2**

![](ex992001.jpg)

**EXECUTIVE SUMMARY**

**DESCRIPTION OF SERVICES**

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

AMC Diligence, LLC ("AMC") performed the due diligence services described below (the "Review") on residential mortgage loans originated by multiple correspondent lenders and acquired from various parties by Morgan Stanley Mortgage Capital Holdings LLC and/or one of its affiliates (the "Client"). AMC performed the Review either (i) directly for Client on mortgage loan files provided by Client to AMC, or (ii) for third parties on mortgage loan files provided by such parties to AMC with results of such Review conveyed to the Client via Reliance Letter. The Review (including the Review related to Reliance Letter loans) was conducted from April 2024 through July 2025 on mortgage loans with origination dates from November 2023 through July 2025. The Review included loans reviewed under the Credit and Compliance Scope (173 mortgage loans) and the Leases Review Scope (46 loans), and the Leases Review Scope with Limited Compliance (7 loans). The mortgage loans (Credit and Compliance Scope) and the loans (Leases Review Scope) are together referred to as the Loans.

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

The Review was conducted on two hundred twenty-six (226) mortgage loans with an aggregate original principal balance of approximately $134.889 million.

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

AMC is not aware of the overall sample size for the securitization as the Review only covered the portion of the loans in the securitization reviewed by AMC.

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

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;# of Units | &nbsp;&nbsp;Borrower Mailing City | &nbsp;&nbsp;Coborrower Mailing City | &nbsp;&nbsp;Has FTHB | &nbsp;&nbsp;Original HCLTV | &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;Borrower Mailing State | &nbsp;&nbsp;Coborrower Mailing State | &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;Purpose |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;Borrower Mailing Street | &nbsp;&nbsp;Coborrower Mailing Street | &nbsp;&nbsp;Interest Only Period | &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;Refi Purpose |
| &nbsp;&nbsp;Appraisal Date | &nbsp;&nbsp;Borrower Mailing Zip | &nbsp;&nbsp;Coborrower Mailing Zip | &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;Representative FICO |
| &nbsp;&nbsp;Appraisal Effective Date | &nbsp;&nbsp;Borrower Middle Name | &nbsp;&nbsp;Coborrower Middle Name | &nbsp;&nbsp;Lender | &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;State |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;Borrower Self-Employed? | &nbsp;&nbsp;Coborrower SSN | &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;Original PITIA | &nbsp;&nbsp;Street |
| &nbsp;&nbsp;Balloon Flag | &nbsp;&nbsp;Borrower SSN | &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;LTV Valuation Value | &nbsp;&nbsp;Original Term | &nbsp;&nbsp;Subject Debt Service Coverage Ratio |
| &nbsp;&nbsp;Blanket Mortgage? | &nbsp;&nbsp;City | &nbsp;&nbsp;Decision System | &nbsp;&nbsp;Margin | &nbsp;&nbsp;Origination Channel | &nbsp;&nbsp;Total Cash-out |
| &nbsp;&nbsp;Borrower Birth Date | &nbsp;&nbsp;Coborrower Birth Date | &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;Originator Application Date | &nbsp;&nbsp;Total PITIA |
| &nbsp;&nbsp;Borrower Citizenship | &nbsp;&nbsp;Coborrower Citizenship | &nbsp;&nbsp;Escrow Account | &nbsp;&nbsp;MERS Min Number | &nbsp;&nbsp;PITIA Reserves Months | &nbsp;&nbsp;Universal Loan Identifier (ULI) |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;Coborrower First Name | &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;Note Date | &nbsp;&nbsp;Prepayment Penalty | &nbsp;&nbsp;Zip |
| &nbsp;&nbsp;Borrower FTHB | &nbsp;&nbsp;Coborrower FTHB | &nbsp;&nbsp;Guarantor 1 First Name | &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;Prepayment Penalty Period (months) |  |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;Coborrower Last Name | &nbsp;&nbsp;Guarantor 1 Last Name | &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;Product Description |  |

---

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![](ex992001.jpg)

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

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

**<u>CREDIT REVIEW (173 Loans)</u>**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**<u>LEASES REVIEW (46 Loans)</u>**

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

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

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

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

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**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.

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

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

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

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

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

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

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

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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 Client of same, (iv) confirming the appraisal report does not include any apparent environmental problems, (v) confirming the appraisal notes the current use of the property is legal or legal non-conforming (grandfathered), (vi) reviewing pictures to ensure (a) that the property is in average or better condition and any repairs are noted where required and (b) that the subject property is the one for which the valuation was ordered and that there are no negative external factors; and (vii) confirming that the value product that was used as part of the origination decision was directly accessible to AMC or if it was not directly accessible that another valuation product that was directly accessible to AMC was ordered in accordance with the Client's specific valuation waterfall process.

If more than one valuation was provided, AMC confirmed consistency among the valuation products and if there were discrepancies that could not be resolved, AMC created an exception and worked with the client on the next steps which may include the ordering of additional valuation products such as collateral desktop analyses, broker's price opinions, and full appraisals. If the property valuation products included in AMC's review resulted in a variance of more than 10% then the client was notified of such variance and a second independent valuation product was ordered.

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

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

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

With regard to TILA-RESPA Integrated Disclosure ("TRID") testing, AMC implemented the TRID scope of review referenced within the Regulatory Compliance section (III) based on (i) the RMBS 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.

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

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

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

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

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

● At least one of the following:

○ The appraisal indicates the property is tenant occupied; or

○ The file contains a business purpose certificate; or

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

○ The file includes other documentation evidencing investment occupancy.

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

**<u>COMPLIANCE REVIEW (173 Loans)</u>**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

iii) errors in the right of rescission notice;

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

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

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

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

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

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

ii) proper execution by all required parties;

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

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

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

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

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

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

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

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

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

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

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

ii) APR threshold test;

iii) prepayment penalty threshold test; and

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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;

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

&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.)

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

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

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

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

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

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

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

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

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

*<u>Qualified Mortgage</u>*

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

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

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

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---

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

---

For the loans determined to be Safe Harbor QM (APOR), in the event the lender provided a Verification Safe Harbor, ("VSH") indicator of "Yes" on the loans, that would be reflected as such in the reports. In the event the lender provided a VSH indicator of "No" on the loans that would be reflected in the reports. In the event the lender did not provide a VSH indicator on the loans, the loans would be identified as "Not Stated" in the reports.

\* Note, for loans in which the lender provided the VSH indicator, AMC captured it, but did not verify the VSH indicator.

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Notwithstanding the above, for loans with the variance evaluation of VSH performed by AMC on QM (APOR) loans, the Lender provided a VSH Indicator of "Yes". The VSH indicator was provided within the loan images, on the data tape, deal notes, or as part of the loan program/guidelines being originated to. The loan guidelines utilized one of the specified GSE June 2020 guidelines to meet VSH. In the event the lender identified the loan to have VSH status, then AMC reviewed to identify documentation variances that would cause one to question the VSH attestation from the lender. If variances were identified, then the loan would not be identified by AMC to meet the VSH documentation requirements under either the Fannie Mae guidelines or under the Freddie Mac guidelines. The results of the variance analysis is reflected in the reports.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**(X) Recording Review**

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

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

**(XI) FIRREA Review**

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

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

**(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;

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&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.

**<u>LEASES & LIMITED COMPLIANCE REVIEW (7 Loans)</u>**

Includes Leases Review Scope with additional limited compliance review below.

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

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

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

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

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

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

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

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

**(9) Disclaimer.**

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

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

**SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW** 

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

**OVERALL RESULTS SUMMARY**

There were two hundred twenty-six (226) mortgage loans in the securitization population reviewed by AMC. After all documents were presented under the applicable NRSRO grading criteria, one hundred forty-six (146) (64.60%) loans had an Overall grade of "A", and eighty (80) (35.40%) loans had an Overall loan grade of "B".

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;146 | &nbsp;&nbsp;64.60% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;80 | &nbsp;&nbsp;35.40% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

**COMPLIANCE RESULTS SUMMARY** 

Note the forty-six (46) Leases (without Limited Compliance) were not assigned a Compliance grade. Of the remaining one hundred eighty (180) loans reviewed, under the applicable NRSRO grading criteria, sixty-six (66) had a Compliance Review "B" grade. Loans with a Compliance Review grade of "B" may have multiple compliance exceptions; however, none are lower than a grade of "B."

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;114 | &nbsp;&nbsp;63.33% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;66 | &nbsp;&nbsp;36.67% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

**CREDIT RESULTS SUMMARY** 

Of the two hundred twenty-six (226) mortgage loans, two hundred five (205) loans received an "A" Credit Review grade. The twenty-one (21) "B" Credit Review grades were due to missing documentation and/or guideline adherence. Exceptions were offset by strong compensating factors such as high disposable income, low LTV, and/or high liquid assets.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;205 | &nbsp;&nbsp;90.71% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;21 | &nbsp;&nbsp;9.29% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

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**PROPERTY/VALUATION RESULTS SUMMARY** 

Of the two hundred twenty-six (226) loans reviewed under the applicable NRSRO grading criteria, 100.00% of the total received an "A" Property Review grade.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;226 | &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% |

---

**EXCEPTION CATEGORY SUMMARY**

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

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Exception Type** | &nbsp;&nbsp;**Final**<br> **Exception**<br> **Rating** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;GSE | &nbsp;&nbsp;37 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ECOA | &nbsp;&nbsp;31 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ATR/QM Defect | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID Defect | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Required Data (other than HUD-1 or Note) | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;State Defect | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ATR/QM | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***81*** |
| &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**81** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Title | &nbsp;&nbsp;13 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Guideline | &nbsp;&nbsp;9 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Borrower and Mortgage Eligibility | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Documents | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Hazard Insurance | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***25*** |
| &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**25** |
| &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**106** |

---

**TAPE INTEGRITY REVIEW RESULTS SUMMARY**

Of the two hundred twenty-six (226) mortgage loans reviewed, one hundred sixty-six (166) (73.45%) mortgage loans had tape discrepancies across thirty (30) unique data fields. The most common tape discrepancies were Note Date, Investor Qualifying Total Debt Ratio and Property Type. AMC found generally that the DSCR and DTI discrepancies were due to differences in calculating complex incomes; while the data differed, the resulting ratios generally remained within guidelines.

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---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Loans With Discrepancy** | &nbsp;&nbsp;**Total Times**<br> **Compared** | &nbsp;&nbsp;**% Variance** | &nbsp;&nbsp;**# Of Loans** |
| &nbsp;&nbsp;# of Units | &nbsp;&nbsp;0 | &nbsp;&nbsp;94 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;226 |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;7 | &nbsp;&nbsp;93 | &nbsp;&nbsp;7.53% | &nbsp;&nbsp;226 |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;81 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;226 |
| &nbsp;&nbsp;Appraisal Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;226 |
| &nbsp;&nbsp;Appraisal Effective Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;226 |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;1 | &nbsp;&nbsp;16 | &nbsp;&nbsp;6.25% | &nbsp;&nbsp;226 |
| &nbsp;&nbsp;Balloon Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;143 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;226 |
| &nbsp;&nbsp;Blanket Mortgage? | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;226 |
| &nbsp;&nbsp;Borrower Birth Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;24 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;226 |
| &nbsp;&nbsp;Borrower Citizenship | &nbsp;&nbsp;1 | &nbsp;&nbsp;20 | &nbsp;&nbsp;5.00% | &nbsp;&nbsp;226 |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;6 | &nbsp;&nbsp;192 | &nbsp;&nbsp;3.13% | &nbsp;&nbsp;226 |
| &nbsp;&nbsp;Borrower FTHB | &nbsp;&nbsp;2 | &nbsp;&nbsp;62 | &nbsp;&nbsp;3.23% | &nbsp;&nbsp;226 |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;6 | &nbsp;&nbsp;226 | &nbsp;&nbsp;2.65% | &nbsp;&nbsp;226 |
| &nbsp;&nbsp;Borrower Mailing City | &nbsp;&nbsp;14 | &nbsp;&nbsp;27 | &nbsp;&nbsp;51.85% | &nbsp;&nbsp;226 |
| &nbsp;&nbsp;Borrower Mailing State | &nbsp;&nbsp;7 | &nbsp;&nbsp;27 | &nbsp;&nbsp;25.93% | &nbsp;&nbsp;226 |
| &nbsp;&nbsp;Borrower Mailing Street | &nbsp;&nbsp;15 | &nbsp;&nbsp;27 | &nbsp;&nbsp;55.56% | &nbsp;&nbsp;226 |
| &nbsp;&nbsp;Borrower Mailing Zip | &nbsp;&nbsp;14 | &nbsp;&nbsp;27 | &nbsp;&nbsp;51.85% | &nbsp;&nbsp;226 |
| &nbsp;&nbsp;Borrower Middle Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;226 |
| &nbsp;&nbsp;Borrower Self-Employed? | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;226 |
| &nbsp;&nbsp;Borrower SSN | &nbsp;&nbsp;1 | &nbsp;&nbsp;154 | &nbsp;&nbsp;0.65% | &nbsp;&nbsp;226 |
| &nbsp;&nbsp;City | &nbsp;&nbsp;5 | &nbsp;&nbsp;224 | &nbsp;&nbsp;2.23% | &nbsp;&nbsp;226 |
| &nbsp;&nbsp;Coborrower Birth Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;226 |
| &nbsp;&nbsp;Coborrower Citizenship | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;226 |
| &nbsp;&nbsp;Coborrower First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;226 |
| &nbsp;&nbsp;Coborrower FTHB | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;226 |
| &nbsp;&nbsp;Coborrower Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;226 |
| &nbsp;&nbsp;Coborrower Mailing City | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;226 |
| &nbsp;&nbsp;Coborrower Mailing State | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;226 |
| &nbsp;&nbsp;Coborrower Mailing Street | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;226 |
| &nbsp;&nbsp;Coborrower Mailing Zip | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;226 |
| &nbsp;&nbsp;Coborrower Middle Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;226 |
| &nbsp;&nbsp;Coborrower SSN | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;226 |
| &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;0 | &nbsp;&nbsp;25 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;226 |
| &nbsp;&nbsp;Decision System | &nbsp;&nbsp;15 | &nbsp;&nbsp;54 | &nbsp;&nbsp;27.78% | &nbsp;&nbsp;226 |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;24 | &nbsp;&nbsp;110 | &nbsp;&nbsp;21.82% | &nbsp;&nbsp;226 |
| &nbsp;&nbsp;Escrow Account | &nbsp;&nbsp;22 | &nbsp;&nbsp;157 | &nbsp;&nbsp;14.01% | &nbsp;&nbsp;226 |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;37 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;226 |
| &nbsp;&nbsp;Guarantor 1 First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;20 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;226 |
| &nbsp;&nbsp;Guarantor 1 Last Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;20 | &nbsp;&nbsp;5.00% | &nbsp;&nbsp;226 |
| &nbsp;&nbsp;Has FTHB | &nbsp;&nbsp;6 | &nbsp;&nbsp;129 | &nbsp;&nbsp;4.65% | &nbsp;&nbsp;226 |
| &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;0 | &nbsp;&nbsp;26 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;226 |
| &nbsp;&nbsp;Interest Only Period | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;226 |
| &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;41 | &nbsp;&nbsp;170 | &nbsp;&nbsp;24.12% | &nbsp;&nbsp;226 |
| &nbsp;&nbsp;Lender | &nbsp;&nbsp;0 | &nbsp;&nbsp;130 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;226 |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;84 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;226 |
| &nbsp;&nbsp;LTV Valuation Value | &nbsp;&nbsp;0 | &nbsp;&nbsp;22 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;226 |
| &nbsp;&nbsp;Margin | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;226 |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;35 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;226 |
| &nbsp;&nbsp;MERS Min Number | &nbsp;&nbsp;0 | &nbsp;&nbsp;25 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;226 |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;58 | &nbsp;&nbsp;96 | &nbsp;&nbsp;60.42% | &nbsp;&nbsp;226 |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;0 | &nbsp;&nbsp;216 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;226 |
| &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;7 | &nbsp;&nbsp;190 | &nbsp;&nbsp;3.68% | &nbsp;&nbsp;226 |
| &nbsp;&nbsp;Original HCLTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;226 |
| &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;3 | &nbsp;&nbsp;225 | &nbsp;&nbsp;1.33% | &nbsp;&nbsp;226 |
| &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;10 | &nbsp;&nbsp;226 | &nbsp;&nbsp;4.42% | &nbsp;&nbsp;226 |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;5 | &nbsp;&nbsp;96 | &nbsp;&nbsp;5.21% | &nbsp;&nbsp;226 |
| &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;0 | &nbsp;&nbsp;32 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;226 |
| &nbsp;&nbsp;Original PITIA | &nbsp;&nbsp;10 | &nbsp;&nbsp;24 | &nbsp;&nbsp;41.67% | &nbsp;&nbsp;226 |
| &nbsp;&nbsp;Original Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;27 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;226 |
| &nbsp;&nbsp;Origination Channel | &nbsp;&nbsp;0 | &nbsp;&nbsp;158 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;226 |
| &nbsp;&nbsp;Originator Application Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;226 |
| &nbsp;&nbsp;PITIA Reserves Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;129 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;226 |
| &nbsp;&nbsp;Prepayment Penalty | &nbsp;&nbsp;0 | &nbsp;&nbsp;34 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;226 |
| &nbsp;&nbsp;Prepayment Penalty Period (months) | &nbsp;&nbsp;5 | &nbsp;&nbsp;155 | &nbsp;&nbsp;3.23% | &nbsp;&nbsp;226 |
| &nbsp;&nbsp;Product Description | &nbsp;&nbsp;0 | &nbsp;&nbsp;130 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;226 |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;32 | &nbsp;&nbsp;224 | &nbsp;&nbsp;14.29% | &nbsp;&nbsp;226 |
| &nbsp;&nbsp;Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;217 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;226 |
| &nbsp;&nbsp;Refi Purpose | &nbsp;&nbsp;11 | &nbsp;&nbsp;59 | &nbsp;&nbsp;18.64% | &nbsp;&nbsp;226 |
| &nbsp;&nbsp;Representative FICO | &nbsp;&nbsp;14 | &nbsp;&nbsp;226 | &nbsp;&nbsp;6.19% | &nbsp;&nbsp;226 |
| &nbsp;&nbsp;State | &nbsp;&nbsp;0 | &nbsp;&nbsp;224 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;226 |
| &nbsp;&nbsp;Street | &nbsp;&nbsp;14 | &nbsp;&nbsp;224 | &nbsp;&nbsp;6.25% | &nbsp;&nbsp;226 |
| &nbsp;&nbsp;Subject Debt Service Coverage Ratio | &nbsp;&nbsp;4 | &nbsp;&nbsp;31 | &nbsp;&nbsp;12.90% | &nbsp;&nbsp;226 |
| &nbsp;&nbsp;Total Cash-out | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;226 |
| &nbsp;&nbsp;Total PITIA | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;226 |
| &nbsp;&nbsp;Universal Loan Identifier (ULI) | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;226 |
| &nbsp;&nbsp;Zip | &nbsp;&nbsp;0 | &nbsp;&nbsp;224 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;226 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**361** | &nbsp;&nbsp;**5715** | &nbsp;&nbsp;**6.32%** | &nbsp;&nbsp;**226** |

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

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan**<br> **Count** | &nbsp;&nbsp;**% of**<br> **Loans** | &nbsp;&nbsp;**Original**<br> **Balance** | &nbsp;&nbsp;**% of**<br> **Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;217 | &nbsp;&nbsp;96.02% | &nbsp;&nbsp;$126726112.00 | &nbsp;&nbsp;93.95% |
| &nbsp;&nbsp;Adjustable | &nbsp;&nbsp;9 | &nbsp;&nbsp;3.98% | &nbsp;&nbsp;$8162500.00 | &nbsp;&nbsp;6.05% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**226** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$134888612.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan**<br> **Count** | &nbsp;&nbsp;**% of**<br> **Loans** | &nbsp;&nbsp;**Original**<br> **Balance** | &nbsp;&nbsp;**% of**<br> **Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;226 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$134888612.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**226** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$134888612.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan**<br> **Count** | &nbsp;&nbsp;**% of**<br> **Loans** | &nbsp;&nbsp;**Original**<br> **Balance** | &nbsp;&nbsp;**% of**<br> **Balance** |
| &nbsp;&nbsp;Cash Out: Other/Multi-purpose/Unknown Purpose | &nbsp;&nbsp;48 | &nbsp;&nbsp;21.24% | &nbsp;&nbsp;$28727750.00 | &nbsp;&nbsp;21.30% |
| &nbsp;&nbsp;Limited Cash-Out | &nbsp;&nbsp;11 | &nbsp;&nbsp;4.87% | &nbsp;&nbsp;$3335104.00 | &nbsp;&nbsp;2.47% |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;13 | &nbsp;&nbsp;5.75% | &nbsp;&nbsp;$11654091.00 | &nbsp;&nbsp;8.64% |
| &nbsp;&nbsp;Other-than-first-time Home Purchase | &nbsp;&nbsp;130 | &nbsp;&nbsp;57.52% | &nbsp;&nbsp;$76601167.00 | &nbsp;&nbsp;56.79% |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;24 | &nbsp;&nbsp;10.62% | &nbsp;&nbsp;$14570500.00 | &nbsp;&nbsp;10.80% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**226** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$134888612.00** | &nbsp;&nbsp;**100.00%** |

---

17 \| P a g e

![](ex992001.jpg)

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan**<br> **Count** | &nbsp;&nbsp;**% of**<br> **Loans** | &nbsp;&nbsp;**Original**<br> **Balance** | &nbsp;&nbsp;**% of**<br> **Balance** |
| &nbsp;&nbsp;241-360 Months | &nbsp;&nbsp;223 | &nbsp;&nbsp;98.67% | &nbsp;&nbsp;$130704612.00 | &nbsp;&nbsp;96.90% |
| &nbsp;&nbsp;361+ Months | &nbsp;&nbsp;3 | &nbsp;&nbsp;1.33% | &nbsp;&nbsp;$4184000.00 | &nbsp;&nbsp;3.10% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**226** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$134888612.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**Loan**<br> **Count** | &nbsp;&nbsp;**% of**<br> **Loans** | &nbsp;&nbsp;**Original**<br> **Balance** | &nbsp;&nbsp;**% of**<br> **Balance** |
| &nbsp;&nbsp;Single Family Detached | &nbsp;&nbsp;110 | &nbsp;&nbsp;48.67% | &nbsp;&nbsp;$71413458.00 | &nbsp;&nbsp;52.94% |
| &nbsp;&nbsp;Condo, Low Rise | &nbsp;&nbsp;23 | &nbsp;&nbsp;10.18% | &nbsp;&nbsp;$8337431.00 | &nbsp;&nbsp;6.18% |
| &nbsp;&nbsp;Condo, High Rise | &nbsp;&nbsp;5 | &nbsp;&nbsp;2.21% | &nbsp;&nbsp;$2525250.00 | &nbsp;&nbsp;1.87% |
| &nbsp;&nbsp;PUD | &nbsp;&nbsp;64 | &nbsp;&nbsp;28.32% | &nbsp;&nbsp;$43541423.00 | &nbsp;&nbsp;32.28% |
| &nbsp;&nbsp;1 Family Attached | &nbsp;&nbsp;7 | &nbsp;&nbsp;3.10% | &nbsp;&nbsp;$2683000.00 | &nbsp;&nbsp;1.99% |
| &nbsp;&nbsp;2 Family | &nbsp;&nbsp;12 | &nbsp;&nbsp;5.31% | &nbsp;&nbsp;$4108150.00 | &nbsp;&nbsp;3.05% |
| &nbsp;&nbsp;3 Family | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.88% | &nbsp;&nbsp;$615200.00 | &nbsp;&nbsp;0.46% |
| &nbsp;&nbsp;4 Family | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.44% | &nbsp;&nbsp;$632000.00 | &nbsp;&nbsp;0.47% |
| &nbsp;&nbsp;Unavailable | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.88% | &nbsp;&nbsp;$1032700.00 | &nbsp;&nbsp;0.77% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**226** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$134888612.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan**<br> **Count** | &nbsp;&nbsp;**% of**<br> **Loans** | &nbsp;&nbsp;**Original**<br> **Balance** | &nbsp;&nbsp;**% of**<br> **Balance** |
| &nbsp;&nbsp;Primary | &nbsp;&nbsp;95 | &nbsp;&nbsp;42.04% | &nbsp;&nbsp;$78473459.00 | &nbsp;&nbsp;58.18% |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;104 | &nbsp;&nbsp;46.02% | &nbsp;&nbsp;$42983827.00 | &nbsp;&nbsp;31.87% |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;27 | &nbsp;&nbsp;11.95% | &nbsp;&nbsp;$13431326.00 | &nbsp;&nbsp;9.96% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**226** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$134888612.00** | &nbsp;&nbsp;**100.00%** |

---

18 \| P a g e

## Exhibit 99.2

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

**Exhibit 99.2 – Schedule 1**

![](situs-logo.jpg)

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| |
|:---|
| **Exception Grades** |
| **Run Date - 7/30/2025 1:28:17 PM** |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Loan Exception ID** | **Exception Date** | **Exception Type** | **Exception Category** | **Exception Subcategory** | **15E Category** | **Exception** | **Exception Detail** | **Exception Information** | **Compensating Factors** | **Compensating Factor Information** | **Applying Party** | **Follow-up Comments** | **Cleared Date** | **Cured Date** | **Waived Date** | **Exception Level Grade** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Exception Remediation** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
| [Redact] | 7045096 | [Redact] |  | 30337607 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2024-04-18): Secondary valuation obtained | 04/18/2024 |  |  | 1 D A |  | [Redact] | Investment | Refinance - Cash-out - Other | D B C A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 7045096 | [Redact] |  | 30337627 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. |  |  |  |  |  |  |  | 04/11/2024 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | D B C A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 7045096 | [Redact] |  | 30340856 |  | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity in Occupancy - Not High Cost and Not Higher Priced | The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Investment). | The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence |  |  |  |  |  |  | 04/12/2024 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | D B C A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 7045096 | [Redact] |  | 30345444 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | The file is missing the third party verification of self-employment dated within 120 days of the note, as required by the LP. |  |  |  | Reviewer Comment (2024-04-25): Received VVOE. Exception Cleared.<br>Seller Comment (2024-04-23): The verbal VOE dated [Redact] has been provided. | 04/25/2024 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | D B C A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 8064352 | [Redact] | [Redact] | 30491381 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2024-05-14): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2024-05-10): [Redact] is the note tracking | 05/14/2024 |  |  | 1 A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 8064352 | [Redact] | [Redact] | 30505902 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | File is missing a copy of Insurance Verification and Statement for REO property. |  |  |  | Reviewer Comment (2024-05-14): Received CD, Insurance Verification and HOA. Exception Cleared.<br>Seller Comment (2024-05-13): We don't have a mortgage statement. This property was a recent add. That is why I provided the final CD. I just uploaded the first payment letter which shows they don't have a payment due until [Redact]. Please use what is provided to clear.<br>Seller Comment (2024-05-13): Here is the insurance<br>Seller Comment (2024-05-10): HOA Dues<br>Seller Comment (2024-05-10): Here you go. | 05/14/2024 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 8064352 | [Redact] | [Redact] | 30505939 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 05/06/2024 | 2 B |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 8083094 | [Redact] |  | 30554893 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file was missing copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2024-05-29): Secondary valuation obtained<br>Seller Comment (2024-05-29): Please confirm you are doing the 2nd appraisal and nothing needed from [Redact]. | 05/29/2024 |  |  | 1 D A |  | [Redact] | Investment | Purchase | D B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 8083094 | [Redact] |  | 30554896 |  | 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. |  |  |  |  |  |  |  | 05/14/2024 | 2 B |  | [Redact] | Investment | Purchase | D B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 8083151 | [Redact] |  | 30558719 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by [Redact]. Provide updated policy reflecting minimum coverage of [Redact] OR provide copy of insurer's replacement cost estimate supporting current coverage amount. |  |  |  | Reviewer Comment (2024-05-31): Received RCE. Exception Cleared.<br>Seller Comment (2024-05-29): RCE attached | 05/31/2024 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 8083151 | [Redact] |  | 30558735 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Waiver Less than 3 Days From Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Borrower provided appraisal waiver less than three (3) business days prior to consummation. | Borrower provided appraisal waiver less than three (3) business days prior to consummation. |  |  |  | Reviewer Comment (2024-05-31): Waiver provided less than 3 days prior to closing<br>Seller Comment (2024-05-29): appraisal waiver | 05/31/2024 |  |  | 1 B A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 8083151 | [Redact] |  | 30676702 |  | 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. |  |  |  |  |  |  |  | 05/31/2024 | 2 B |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 8198633 | [Redact] | [Redact] | 31268648 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2024-08-26): Waived on Rate Lock: Collateral cleared by Custodian | 08/26/2024 |  |  | 1 A |  | [Redact] | Second Home | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 8198633 | [Redact] | [Redact] | 31452625 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | The file was missing a copy of the required fraud report including all interested parties to the transaction. |  |  |  | Reviewer Comment (2024-08-27): Received Fraud Report. Exception Cleared.<br>Seller Comment (2024-08-26): (Rate Lock) The [Redact] Report has been provided. | 08/27/2024 |  |  | 1 C A |  | [Redact] | Second Home | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 8198633 | [Redact] | [Redact] | 31452636 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | The file was missing a copy of the required fraud report including all interested parties to the transaction. |  |  |  | Reviewer Comment (2024-08-27): Received Fraud Report. Exception Cleared.<br>Seller Comment (2024-08-26): (Rate Lock) The [Redact] Report has been provided. | 08/27/2024 |  |  | 1 C A |  | [Redact] | Second Home | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 8198633 | [Redact] | [Redact] | 31452678 |  | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [Redact], Most Recent Tax Return End Date [Redact], Tax Return Due Date [Redact]. | Most tax returns are missing in file |  |  |  |  |  |  | 08/22/2024 | 2 B |  | [Redact] | Second Home | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 8198633 | [Redact] | [Redact] | 31452680 |  | 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 [Redact] exceeds tolerance of [Redact]. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of [Redact] exceeds tolerance of [Redact]. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2024-08-27): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Seller Comment (2024-08-26): (Rate Lock) Disagree - Lender Cure Credit in the amount of [Redact] was provided to borrower at closing for the CDA fee. No violation found. Please review Predatory Compliance Test, and final CD attached. | 08/27/2024 |  |  | 1 C A |  | [Redact] | Second Home | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| [Redact] | 8198633 | [Redact] | [Redact] | 31505126 |  | 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 [Redact] exceeds tolerance of [Redact]. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure provided at closing. |  |  |  | Reviewer Comment (2024-08-27): Sufficient Cure Provided At Closing |  | 08/27/2024 |  | 1 A |  | [Redact] | Second Home | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [Redact] | 8179839 | [Redact] |  | 31579322 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Missing Fraud Report for Borrower. OFAC is not listed on the credit report. |  |  |  | Reviewer Comment (2024-08-08): Received required documentation. Condition cleared.<br>Buyer Comment (2024-08-06): Patriot Act and [Redact]<br>Reviewer Comment (2024-08-05): File contains the patriot act verification form, however the file is missing one of the following: Ofac search, or the [Redact]/Screening list search | 08/08/2024 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A | N/A | N/A | No |
| [Redact] | 9061656 | [Redact] | [Redact] | 32837070 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-04-07): Waived on Rate Lock: Collateral cleared by Custodian | 04/07/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| [Redact] | 9061656 | [Redact] | [Redact] | 33178585 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | E-Sign Consent Agreement not provided. |  |  |  | Reviewer Comment (2025-04-06): Received E-Sign Consent. Exception Cleared.<br>Seller Comment (2025-04-04): econsent | 04/06/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| [Redact] | 9061656 | [Redact] | [Redact] | 33178628 |  | 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 Survey Fee. Fee Amount of [Redact] exceeds tolerance of [Redact]. Insufficient or no cure was provided to the borrower. | Survey Fee was last disclosed as [Redact] on LE but disclosed as [Redact] on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include [Redact], a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-04-09): [Redact] received attestation is sufficient.<br>Seller Comment (2025-04-08): Please see attached | 04/09/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| [Redact] | 9061656 | [Redact] | [Redact] | 33185569 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - PUD not provided |  | The appraisal identified the subject as a PUD. The file is missing a copy of the PUD Rider attached to the Mortgage. Provide a copy of the PUD Rider and proof that the Mortgage will be re-recorded with the rider. If the subject is not a PUD, provide a revised appraisal correcting the property type. |  |  |  | Reviewer Comment (2025-05-13): Revised Mortgage adding the PUD Rider and proof the revised Mortgage will be recorded was provided<br>Seller Comment (2025-05-13): Please see attached | 05/13/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| [Redact] | 9073329 | [Redact] | [Redact] | 32935513 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-05-08): Waived on Rate Lock: Collateral cleared by Custodian | 05/08/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9081486 | [Redact] | [Redact] | 32989376 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-05-08): Waived on Rate Lock: Collateral cleared by Custodian | 05/08/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9084459 | [Redact] | [Redact] | 33007066 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-05-28): Waived on Rate Lock: Collateral cleared by Custodian | 05/28/2025 |  |  | 1 A |  | [Redact] | Second Home | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 9084459 | [Redact] | [Redact] | 33508073 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 05/23/2025 | 2 B |  | [Redact] | Second Home | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 9085832 | [Redact] | [Redact] | 33018858 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-05-05): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-05-02): Collateral delivered on [Redact] via [Redact] tracking number [Redact] | 05/05/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | A |  | N/A | No |
| [Redact] | 9090327 | [Redact] | [Redact] | 33031740 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-05-12): Waived on Rate Lock: Collateral cleared by Custodian | 05/12/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9090327 | [Redact] | [Redact] | 33413345 |  | Credit | Guideline | Guideline Issue | Guideline | Missing required Transcript (1040) or W-2 Transcript. |  | The file is missing the most recent years' 1099 transcripts, as required by the guidelines. |  |  |  | Reviewer Comment (2025-05-09): Received 1099 transcript. Exception Cleared.<br>Seller Comment (2025-05-08): (Rate Lock) 1099 no record | 05/09/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9090327 | [Redact] | [Redact] | 33413517 |  | 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 [Redact] exceeds tolerance of [Redact]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-05-06): Sufficient Cure Provided At Closing |  | 05/06/2025 |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [Redact] | 9090327 | [Redact] | [Redact] | 33413518 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [Redact], prior to three (3) business days from transaction date of [Redact]. |  |  |  |  | Reviewer Comment (2025-05-13): Rescission re-opened. Letter of Explanation, Proof of Delivery, and revised NORTC provided<br>Seller Comment (2025-05-13): (Rate Lock) letter of explanation<br>Reviewer Comment (2025-05-13): Rescission period re-opened; however a copy of the letter of explanation provided to the borrower(s) was not provided. Condition remains<br>Seller Comment (2025-05-09): (Rate Lock) NORCs |  | 05/13/2025 |  | 2 C B |  | [Redact] | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | Non QM | Non QM | Yes |
| [Redact] | 9090327 | [Redact] | [Redact] | 33413519 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). |  |  |  |  | Reviewer Comment (2025-05-13): Rescission re-opened. Letter of Explanation, Proof of Delivery, and revised NORTC provided<br>Seller Comment (2025-05-13): (Rate Lock) letter of explanation<br>Reviewer Comment (2025-05-13): Rescission period re-opened; however a copy of the letter of explanation provided to the borrower(s) was not provided. Condition remains<br>Seller Comment (2025-05-09): (Rate Lock) NORCs |  | 05/13/2025 |  | 2 C B |  | [Redact] | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | Non QM | Non QM | Yes |
| [Redact] | 9090374 | [Redact] | [Redact] | 33036005 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-05-16): Waived on Rate Lock: Collateral cleared by Custodian | 05/16/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Rate/Term | A | Non QM | Non QM | No |
| [Redact] | 9090374 | [Redact] | [Redact] | 33435246 |  | 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 [Redact] exceeds tolerance of [Redact] plus 10% or [Redact]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-05-09): Sufficient Cure Provided At Closing |  | 05/09/2025 |  | 1 A |  | [Redact] | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Non QM | Non QM | Yes |
| [Redact] | 9090374 | [Redact] | [Redact] | 33435247 |  | 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 [Redact] exceeds tolerance of [Redact]. Sufficient or excess cure was provided to the borrower at Closing. | Verification Fee was last disclosed as [Redact] on Loan Estimate but disclosed as [Redact] on Final Closing Disclosure dated [Redact]. File does not contain a valid COC for this fee, nor evidence of cure in file. |  |  |  | Reviewer Comment (2025-05-09): Sufficient Cure Provided At Closing |  | 05/09/2025 |  | 1 A |  | [Redact] | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Non QM | Non QM | Yes |
| [Redact] | 9092479 | [Redact] | [Redact] | 33057129 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-05-14): Waived on Rate Lock: Collateral cleared by Custodian | 05/14/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9096272 | [Redact] | [Redact] | 33064292 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-04-24): Waived on Rate Lock: Collateral cleared by Custodian | 04/24/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 9096272 | [Redact] | [Redact] | 33327537 |  | Credit | Asset | Asset Eligibility | Asset | Guideline Issue: Seller concessions exceeds the amount allowed per credit guidelines |  | The interested party concessions of 4.00% exceeds the FNMA max of 2% for investment properties. Per the final CD, there was a [Redact] credit from the seller and a [Redact] credit from the realtor. |  |  |  | Reviewer Comment (2025-05-06): IPC exceeded guideline max. Sales price was reduced by the excessive IPC's and LTV/CLTV re-calculated. Re-calculated LTV met the guideline requirements<br>Reviewer Comment (2025-05-06): Elevated to the client for review to determine if allowing the seller to reduce the sales price by the IPC's that exceed the 2% max is acceptable.<br>Seller Comment (2025-05-05): Will [Redact] accept a reduction in the sales price to offset the IPC? | 05/06/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 9099369 | [Redact] | [Redact] | 33085062 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-05-12): Waived on Rate Lock: Collateral cleared by Custodian | 05/12/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9100013 | [Redact] | [Redact] | 33091824 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-04-22): Waived on Rate Lock: Collateral cleared by Custodian | 04/22/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9100013 | [Redact] | [Redact] | 33304007 |  | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of [Redact] is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and [Redact] (2025). FNMA Finance Charge total [Redact] on a Original Loan Amount of [Redact] vs. an allowable total of [Redact] and [Redact] (2025) (an overage of [Redact] or [Redact]). | FNMA Points and Fees on subject loan of [Redact] is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and [Redact] (2025). FNMA Finance Charge total [Redact] on a Original Loan Amount of [Redact] vs. an allowable total of [Redact] and [Redact] (2025) (an overage of [Redact] or [Redact]). |  |  |  | Reviewer Comment (2025-04-18): Client elected to waive the condition on the Non-QM 1st lien |  |  | 04/18/2025 | 2 B |  | [Redact] | Investment | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Exempt from ATR | Exempt from ATR | Yes |
| [Redact] | 9100013 | [Redact] | [Redact] | 33306521 |  | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity in Occupancy - High Cost as Primary | The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Investment). If tested as primary residence, loan exceeds one or more high cost thresholds. | There is evidence on the initial 1003 that the co-borrower intends to occupy the property as their primary residence. The loan was tested as a primary residence and fails the high-cost testing due to the prepayment penalty being more than 2%. |  |  |  | Reviewer Comment (2025-05-07): Attestation from the borrowers identifying a clerical error when completing the loan application. All docs in file support the investment property occupancy.<br>Seller Comment (2025-05-06): Please see attached LOE<br>Reviewer Comment (2025-04-30): The LOE provided referenced the purchase contract was identified as "primary" in error; however there is no mention of the initial 1003 being identified as a primary residence. Provide a revised attestation/LOE from the borrowers identifying the reason the initial 1003 declarations section identified the property as a primary residence. Condition remains<br>Seller Comment (2025-04-30): Please see attached<br>Reviewer Comment (2025-04-29): This condition cannot be waived. Provide an attestation from the borrower identifying the reason the initial 1003 identified the subject would be occupied as a primary residence and the condition will be re-reviewed.<br>Reviewer Comment (2025-04-24): Seller requests that this exception be waived based on the lease agreement in file verifying that the property will be tenant occupied and final URLA. Please review and advise.<br>Seller Comment (2025-04-23): Please waive, there is a lease agreement in file verifying this will be tenant occupied and the final URLA is accurate. | 05/07/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9100043 | [Redact] | [Redact] | 33092644 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-05-07): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-05-05): [Redact] | 05/07/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Rate/Term | A | Non QM | Non QM | No |
| [Redact] | 9100043 | [Redact] | [Redact] | 33346216 |  | 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 [Redact] exceeds tolerance of [Redact]. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of [Redact] exceeds tolerance of [Redact]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-04-24): Sufficient Cure Provided At Closing |  | 04/24/2025 |  | 1 A |  | [Redact] | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Non QM | Non QM | Yes |
| [Redact] | 9100043 | [Redact] | [Redact] | 33346217 |  | 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 [Redact] exceeds tolerance of [Redact]. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Verification Fee. Fee Amount of [Redact] exceeds tolerance of [Redact]. Sufficient or excess cure was provided to the borrower at Closing |  |  |  | Reviewer Comment (2025-04-24): Sufficient Cure Provided At Closing |  | 04/24/2025 |  | 1 A |  | [Redact] | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Non QM | Non QM | Yes |
| [Redact] | 9102219 | [Redact] | [Redact] | 33102801 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-04-15): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-04-11): Tracking number is [Redact] | 04/15/2025 |  |  | 1 A |  | [Redact] | Second Home | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9102219 | [Redact] | [Redact] | 33225371 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - PUD not provided |  | The appraisal identified the subject as a PUD. The file is missing a copy of the PUD Rider attached to the Mortgage. Provide a copy of the PUD Rider and proof that the Mortgage will be re-recorded with the rider. If the subject is not a PUD, provide a revised appraisal correcting the property type. |  |  |  | Reviewer Comment (2025-05-01): PUD Rider provided and proof Mortgage will be re-recorded confirmed<br>Seller Comment (2025-04-30): See email. Title is re-recording mortgage. Already sent them the check to have it re-recorded.<br>Reviewer Comment (2025-04-30): Revised Mortgage and PUD Rider provided; however the file is missing an attestation confirming the Mortgage will be re-recorded with the PUD rider. Condition remains<br>Seller Comment (2025-04-29): See attached | 05/01/2025 |  |  | 1 C A |  | [Redact] | Second Home | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9102603 | [Redact] | [Redact] | 33105720 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-05-06): Waived on Rate Lock: Collateral cleared by Custodian | 05/06/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9109347 | [Redact] | [Redact] | 33125350 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-05-09): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-05-09): (Rate Lock) Delivered [Redact] via [Redact] [Redact] | 05/09/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 9109347 | [Redact] | [Redact] | 33424006 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 05/07/2025 | 2 B |  | [Redact] | Primary | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 9109348 | [Redact] | [Redact] | 33125516 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-05-12): Waived on Rate Lock: Collateral cleared by Custodian | 05/12/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 9109348 | [Redact] | [Redact] | 33396860 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 05/01/2025 | 2 B |  | [Redact] | Primary | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 9109348 | [Redact] | [Redact] | 33396861 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of [Redact] is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total [Redact] on a Federal Total Loan Amount of [Redact] vs. an investor allowable total of [Redact] (an overage of [Redact] or [Redact]). |  |  |  |  | Reviewer Comment (2025-05-01): Client elected to waive the condition on the Non-QM 1st lien |  |  | 05/01/2025 | 2 B |  | [Redact] | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| [Redact] | 9109351 | [Redact] | [Redact] | 33125931 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-05-26): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-05-23): (Rate Lock) [Redact] Tracking for Note delivery attached | 05/26/2025 |  |  | 1 A |  | [Redact] | Second Home | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9109351 | [Redact] | [Redact] | 33505227 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification of appraisal was delivered to borrower was not provided |  |  |  |  |  |  | 05/22/2025 | 2 B |  | [Redact] | Second Home | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9109351 | [Redact] | [Redact] | 33508401 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The file is missing a copy of the HUD/CD verifying the previous 2nd home was sold and the mortgage was paid in full. Note: if the property was not sold, proof of the PITIA is required to include in the DTI. |  |  |  | Reviewer Comment (2025-05-27): Copy of the CD confirming the prior 2nd home was in the spouses name only.<br>Seller Comment (2025-05-23): (Rate Lock) Final CD Previous Home Sold | 05/27/2025 |  |  | 1 C A |  | [Redact] | Second Home | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9111493 | [Redact] | [Redact] | 33143430 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-05-12): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-05-07): Tracking details | 05/12/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9111614 | [Redact] | [Redact] | 33143887 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-05-06): Waived on Rate Lock: Collateral cleared by Custodian | 05/06/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Limited Cash-out GSE | A | Non QM | Non QM | No |
| [Redact] | 9111614 | [Redact] | [Redact] | 33402778 |  | 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 [Redact] exceeds tolerance of [Redact] plus 10% or [Redact]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-05-02): Sufficient Cure Provided At Closing |  | 05/02/2025 |  | 1 A |  | [Redact] | Primary | Refinance - Limited Cash-out GSE | Final CD evidences Cure A | Non QM | Non QM | Yes |
| [Redact] | 9113662 | [Redact] | [Redact] | 33149864 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-05-15): Waived on Rate Lock: Collateral cleared by Custodian | 05/15/2025 |  |  | 1 A |  | [Redact] | Second Home | Purchase | D B A | Non QM | Non QM | No |
| [Redact] | 9113662 | [Redact] | [Redact] | 33448650 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-05-28): Secondary valuation provided<br>Seller Comment (2025-05-27): (Rate Lock) CDA attached-thank you | 05/28/2025 |  |  | 1 D A |  | [Redact] | Second Home | Purchase | D B A | Non QM | Non QM | No |
| [Redact] | 9113662 | [Redact] | [Redact] | 33451369 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Qual Method differs from ATR, DTI not Understated | Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5), but the method did not render a DTI that is less than that prescribed under ATR. |  |  |  |  |  |  |  | 05/13/2025 | 2 B |  | [Redact] | Second Home | Purchase | D B A | Non QM | Non QM | No |
| [Redact] | 9113667 | [Redact] | [Redact] | 33150571 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-05-14): Waived on Rate Lock: Collateral cleared by Custodian | 05/14/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| [Redact] | 9113667 | [Redact] | [Redact] | 33413999 |  | 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 [Redact] exceeds tolerance of [Redact]. Sufficient or excess cure was provided to the borrower at Closing. | Second Appraisal Fee was last disclosed as [Redact] on LE but disclosed as [Redact] on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. |  |  |  | Reviewer Comment (2025-05-06): Sufficient Cure Provided At Closing |  | 05/06/2025 |  | 1 A |  | [Redact] | Primary | Refinance - Rate/Term | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [Redact] | 9113667 | [Redact] | [Redact] | 33414030 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The file was missing a copy of the HOA Verification or other expenses for the REO. The final 1003 in file verified the PITIA as [Redact] and the docs in file verified the P&I of [Redact] and taxes and interest of [Redact], missing verification of the additional [Redact]. |  |  |  | Reviewer Comment (2025-05-14): Revised 1003, 1008 and proof of no HOA dues provided<br>Seller Comment (2025-05-13): [Redact]: Please see attached LOX from borrower confirming there are no HOA dues for this home.<br>Reviewer Comment (2025-05-13): Received updated 1008 and 1003. Required HOA verification to verify HOA. Exception Remains.<br>Seller Comment (2025-05-12): [Redact]: Please see attached loan application that shows updated PITIA. The reason it was so high before is because the HOI was entered in as the annual amount instead of monthly.<br>Reviewer Comment (2025-05-08): The HOI is [Redact] per YEAR and not per MONTH. The calculated PITIA is [Redact]. If the PITIA disclosed on the final 1003 was incorrect, provide a revised 1003 and 1008 updating the PITIA. Condition is valid and remains open<br>Seller Comment (2025-05-07): The PITIA as [Redact]<br>Once you take the monthly payment of [Redact]- HOI payment of [Redact] & Tax amount of [Redact] = [Redact] | 05/14/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| [Redact] | 9113667 | [Redact] | [Redact] | 33416783 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 05/06/2025 | 2 B |  | [Redact] | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| [Redact] | 9113666 | [Redact] | [Redact] | 33150630 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-05-09): Waived on Rate Lock: Collateral cleared by Custodian | 05/09/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9113666 | [Redact] | [Redact] | 33423135 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. |  |  |  |  | Reviewer Comment (2025-05-15): Revised 1008 provided and income included in the initial file but not initially used to qualify for the co-borrower was used to qualify. DTI meets guideline requirements. | 05/15/2025 |  |  | 1 B A C |  | [Redact] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| [Redact] | 9113666 | [Redact] | [Redact] | 33423606 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 05/07/2025 | 2 B |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9113666 | [Redact] | [Redact] | 33423865 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 46.61480% moderately exceeds the guideline maximum of 45.00%. (DTI Exception is eligible to be regraded with compensating factors.) | Per the guides, 7/6 ARM's are qualified using the "Greater of the fully indexed rate or the note rate". However, the lender qualified with the Note rate. As a result, the qualifying rate of [Redact] calculated a DTI of 46.6148%, which exceeds the guideline max of 45.00%. |  |  |  | Reviewer Comment (2025-05-15): Revised 1008 provided and income included in the initial file but not initially used to qualify for the co-borrower was used to qualify. DTI meets guideline requirements.<br>Seller Comment (2025-05-15): (Rate Lock) Updated income worksheet for B2 and updated 1008 with correct qualifying rate and updated income | 05/15/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9113666 | [Redact] | [Redact] | 33423876 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | Per the guides, 7/6 ARM's are qualified using the "Greater of the fully indexed rate or the note rate". However, the lender qualified with the Note rate. As a result, the qualifying rate of [Redact] calculated a DTI of 46.6148%, which exceeds the guideline max of 45.00%. |  |  |  | Reviewer Comment (2025-05-15): Revised 1008 provided and income included in the initial file but not initially used to qualify for the co-borrower was used to qualify. DTI meets guideline requirements. | 05/15/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9113666 | [Redact] | [Redact] | 33423883 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Per the guides, 7/6 ARM's are qualified using the "Greater of the fully indexed rate or the note rate". However, the lender qualified with the Note rate. As a result, the qualifying rate of [Redact] calculated a DTI of 46.6148%, which exceeds the guideline max of 45.00%. |  |  |  | Reviewer Comment (2025-05-15): Revised 1008 provided and income included in the initial file but not initially used to qualify for the co-borrower was used to qualify. DTI meets guideline requirements.<br>Seller Comment (2025-05-15): (Rate Lock) income calc 1008 | 05/15/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9115188 | [Redact] | [Redact] | 33156087 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-04-28): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-04-24): (Rate Lock) [Redact] | 04/28/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9115188 | [Redact] | [Redact] | 33337600 |  | 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 [Redact] exceeds tolerance of [Redact]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-04-23): Sufficient Cure Provided At Closing |  | 04/23/2025 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| [Redact] | 9115188 | [Redact] | [Redact] | 33337601 |  | 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 [Redact] exceeds tolerance of [Redact]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-04-23): Sufficient Cure Provided At Closing |  | 04/23/2025 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| [Redact] | 9115188 | [Redact] | [Redact] | 33343197 |  | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. |  | Valuation street address of [Redact] does not match Note address of [Redact] |  |  |  | Reviewer Comment (2025-05-19): Revised appraisal correcting the property address provided<br>Seller Comment (2025-05-19): Attached updated appraisal. | 05/19/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9115188 | [Redact] | [Redact] | 33343270 |  | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | Insurance city of [Redact] does not match Note city of [Redact]. |  |  |  | Reviewer Comment (2025-06-18): Updated HOI with correct city provided<br>Seller Comment (2025-06-17): Attached the Updated Hazard Insurance, this is the Corrected Hazard Insurance.<br>Reviewer Comment (2025-05-19): Revised declaration for the FAIR Plan insurance was provided, correcting the property city. However, a copy of the declaration page for the dwelling policy correcting the city was not provided. Condition remains<br>Seller Comment (2025-05-19): Attached the updated HOI with the correct address of [Redact]. | 06/18/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9117075 | [Redact] | [Redact] | 33177340 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-05-14): Waived on Rate Lock: Collateral cleared by Custodian | 05/14/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9117076 | [Redact] | [Redact] | 33177499 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-04-29): Waived on Rate Lock: Collateral cleared by Custodian | 04/29/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | C A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9117076 | [Redact] | [Redact] | 33325128 |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  | File does not contain documentation from lender/seller confirming the condo is warrantable. |  |  |  | Reviewer Comment (2025-04-29): Received project approval. Exception Cleared.<br>Seller Comment (2025-04-29): uploaded condo approval | 04/29/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9117295 | [Redact] | [Redact] | 33178101 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-05-20): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-05-20): (Rate Lock) note tracking | 05/20/2025 |  |  | 1 A |  | [Redact] | Second Home | Purchase | D B A | Non QM | Non QM | No |
| [Redact] | 9117295 | [Redact] | [Redact] | 33469967 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Purchase Agreement / Sales Contract not provided |  | The file was missing copy of Purchase Agreement / Sales Contract. |  |  |  | Reviewer Comment (2025-05-20): Purchase agreement provided<br>Seller Comment (2025-05-20): (Rate Lock) purchase agreement and addendum | 05/20/2025 |  |  | 1 D A |  | [Redact] | Second Home | Purchase | D B A | Non QM | Non QM | No |
| [Redact] | 9117295 | [Redact] | [Redact] | 33469976 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 05/16/2025 | 2 B |  | [Redact] | Second Home | Purchase | D B A | Non QM | Non QM | No |
| [Redact] | 9117311 | [Redact] | [Redact] | 33179533 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-05-06): Waived on Rate Lock: Collateral cleared by Custodian | 05/06/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9118336 | [Redact] | [Redact] | 33184450 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-05-01): Waived on Rate Lock: Collateral cleared by Custodian | 05/01/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9118336 | [Redact] | [Redact] | 33349606 |  | 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 [Redact] exceeds tolerance of [Redact]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-04-25): Sufficient Cure Provided At Closing |  | 04/25/2025 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| [Redact] | 9118336 | [Redact] | [Redact] | 33349622 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Loan Underwriting and Transmittal Summary (1008) / MCAW not provided |  | Loan Underwriting and Transmittal Summary (1008) not provided. |  |  |  | Reviewer Comment (2025-04-28): Received 1008. Exception Cleared.<br>Seller Comment (2025-04-25): 1008 | 04/28/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9118350 | [Redact] | [Redact] | 33185114 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-05-07): Waived on Rate Lock: Collateral cleared by Custodian | 05/07/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | A | Non QM | Non QM | No |
| [Redact] | 9118363 | [Redact] | [Redact] | 33186041 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-05-19): Waived on Rate Lock: Collateral cleared by Custodian | 05/19/2025 |  |  | 1 A |  | [Redact] | Second Home | Refinance - Rate/Term | B A | Non QM | Non QM | No |
| [Redact] | 9118363 | [Redact] | [Redact] | 33469352 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | Calculated investor qualifying total debt ratio of 47.37092% exceeds Guideline total debt ratio of 45.00000% Lender exception provided in loan file to waive with compensating factors. | Borrower has been employed in the same industry for more than 5 years. | Job stability 20 years in same industry. | [Redact],Aggregator | Reviewer Comment (2025-05-15): Client elect to waive with compensating factors:<br> Job stability 20 years in same industry. |  |  | 05/15/2025 | 2 B |  | [Redact] | Second Home | Refinance - Rate/Term | B A | Non QM | Non QM | No |
| [Redact] | 9118363 | [Redact] | [Redact] | 33469375 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 47.37092% moderately exceeds the guideline maximum of 45.00%. (DTI Exception is eligible to be regraded with compensating factors.) | Calculated investor qualifying total debt ratio of 47.37092% exceeds Guideline total debt ratio of 45.00000% | Borrower has been employed in the same industry for more than 5 years. | Job stability 20 years in same industry. | [Redact],Aggregator | Reviewer Comment (2025-05-15): Client elect to waive with compensating factors:<br> Job stability 20 years in same industry. |  |  | 05/15/2025 | 2 B |  | [Redact] | Second Home | Refinance - Rate/Term | B A | Non QM | Non QM | No |
| [Redact] | 9119166 | [Redact] | [Redact] | 33193622 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-05-01): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-04-30): (Rate Lock) Bailee letter and tracking for Note | 05/01/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | D A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9119166 | [Redact] | [Redact] | 33354627 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Note Date: ___; Lien Position: ___ | Secondary Valuation is required. |  |  |  | Reviewer Comment (2025-04-28): As per UCDP CU score is 1 hence Secondary valuation is not required. Exception Cleared.<br>Seller Comment (2025-04-25): (Rate Lock) Per our underwriting department, the CU is <2.5 | 04/28/2025 |  |  | 1 D A |  | [Redact] | Investment | Purchase | D A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9119173 | [Redact] | [Redact] | 33193721 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-05-08): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-05-08): [Redact] and [Redact] | 05/08/2025 |  |  | 1 A |  | [Redact] | Second Home | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9119173 | [Redact] | [Redact] | 33419743 |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  | Appraisal reflects single entity ownership is [Redact] as one individual owns 10 of [Redact] properties. Approval reflects subject is non-warrantable and per guidelines, maximum ownership by one entity is 25% for projects with more than 10 units. Missing client approval to waive exception. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least [Redact].<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and [Redact].<br>The Combined Loan to Value (CLTV) 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. | LTV 53 where 80 is maximum<br>Reserves [Redact] 1120.32 months reserves where [Redact]([Redact]+ [Redact]) is required (54X) | [Redact],Originator Pre-Close,Aggregator<br>[Redact]<br>[Redact]<br>[Redact]<br>Originator Pre-Close,Aggregator,[Redact]<br>[Redact]<br>[Redact]<br>[Redact]<br>[Redact] | Reviewer Comment (2025-05-08): Client elected to waive the condition with the following Compensating Factors:<br> LTV 53 where 80 is maximum<br> DTI is 15 where 45 is maximum<br> Reserves [Redact] 1120.32 months reserves where [Redact]([Redact]+ [Redact]) is required (54X)<br>Seller Comment (2025-05-08): see attached exception approval |  |  | 05/08/2025 | 2 C B |  | [Redact] | Second Home | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9119494 | [Redact] | [Redact] | 33195094 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-05-01): Waived on Rate Lock: Collateral cleared by Custodian | 05/01/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9119494 | [Redact] | [Redact] | 33362261 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of [Redact] is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total [Redact] on a Federal Total Loan Amount of [Redact] vs. an investor allowable total of [Redact] (an overage of [Redact] or [Redact]). | Points and Fees on subject loan of [Redact] is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total [Redact] on a Federal Total Loan Amount of [Redact] vs. an investor allowable total of [Redact] (an overage of [Redact] or [Redact]). |  |  |  | Reviewer Comment (2025-04-28): Client elected to waive the condition on the Non-QM 1st lien |  |  | 04/28/2025 | 2 B |  | [Redact] | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| [Redact] | 9119494 | [Redact] | [Redact] | 33362266 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [Redact] not received by borrower at least four (4) business days prior to closing. | Revised Loan Estimate provided on [Redact] not received by borrower at least four (4) business days prior to closing. |  |  |  | Reviewer Comment (2025-05-01): [Redact] received proof of receipt.<br>Seller Comment (2025-04-30): Proof of receipt | 05/01/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | No Defined Cure B A | Non QM | Non QM | No |
| [Redact] | 9119497 | [Redact] | [Redact] | 33195327 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-05-21): Waived on Rate Lock: Collateral cleared by Custodian | 05/21/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Rate/Term | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9119497 | [Redact] | [Redact] | 33454286 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The Title Policy Amount of [Redact] is less than the note amount of [Redact] based on the Preliminary in file. Provide a copy of the final title policy or an addendum to the report verifying title insurance of at least the loan amount. |  |  |  |  |  |  | 05/14/2025 | 2 B |  | [Redact] | Investment | Refinance - Rate/Term | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9120521 | [Redact] | [Redact] | 33203713 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-05-19): Waived on Rate Lock: Collateral cleared by Custodian | 05/19/2025 |  |  | 1 A |  | [Redact] | Second Home | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9120521 | [Redact] | [Redact] | 33468054 |  | Credit | Loan Package Documentation | Closing / Title | Collateral | Security Instrument is not signed by borrower(s). |  | Borrowers AND Notary did not sign Security Instrument provided in the file. |  |  |  | Reviewer Comment (2025-05-20): Received Signed Security Instrument. Exception Cleared.<br>Seller Comment (2025-05-19): recorded copy attached | 05/20/2025 |  |  | 1 C A |  | [Redact] | Second Home | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9120521 | [Redact] | [Redact] | 33468070 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | Creditor did not provide List of Homeownership Counseling Organizations to borrower. |  |  |  | Reviewer Comment (2025-05-20): Disclosure provided<br>Seller Comment (2025-05-19): list | 05/20/2025 |  |  | 1 B A |  | [Redact] | Second Home | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9120521 | [Redact] | [Redact] | 33468073 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of [Redact] is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total [Redact] on a Federal Total Loan Amount of [Redact] vs. an investor allowable total of [Redact] (an overage of [Redact] or [Redact]). |  |  |  |  | Reviewer Comment (2025-05-15): Client elected to waive the condition on the Non-QM 1st lien |  |  | 05/15/2025 | 2 B |  | [Redact] | Second Home | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| [Redact] | 9120521 | [Redact] | [Redact] | 33468178 |  | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Rider - Second Home not provided |  | The Second Home Rider in the file isnt signed by the borrowers |  |  |  | Reviewer Comment (2025-05-20): Received Second Home Rider. Exception Cleared.<br>Seller Comment (2025-05-19): recorded copy | 05/20/2025 |  |  | 1 C A |  | [Redact] | Second Home | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9120523 | [Redact] | [Redact] | 33204128 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-05-08): Waived on Rate Lock: Collateral cleared by Custodian | 05/08/2025 |  |  | 1 A |  | [Redact] | Second Home | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9120523 | [Redact] | [Redact] | 33410026 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Verification of employment was not provided |  |  |  | Reviewer Comment (2025-05-18): Received VVOE. Exception Cleared.<br>Seller Comment (2025-05-16): (Rate Lock) Please see the attached.<br>Reviewer Comment (2025-05-14): A pay stub is not acceptable in lieu of the VVOE at or prior to closing. Condition remains<br>Seller Comment (2025-05-13): (Rate Lock) Will you accept paystub from [Redact] to [Redact] as final VOE prior to closing? Please advise<br>Reviewer Comment (2025-05-07): Post-close VVOE provided. Verification of employment at or prior to closing was not located in file. A post-close VVOE is acceptable to re-verify the employment, however a VVOE at or prior to closing is required. Condition remains<br>Seller Comment (2025-05-07): (Rate Lock) [Redact] | 05/18/2025 |  |  | 1 B A C |  | [Redact] | Second Home | Purchase | Lender to provide updated ATR/QM status C | Non QM | Non QM | Yes |
| [Redact] | 9120523 | [Redact] | [Redact] | 33410027 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - W-2 | Ability to Repay (Dodd-Frank 2014): Unable to verify current Wages/W-2 employment status using reasonably reliable third-party records. | Verification of employment was not provided |  |  |  | Reviewer Comment (2025-05-18): Received VVOE. Exception Cleared.<br>Seller Comment (2025-05-16): (Rate Lock) Please see the attached.<br>Reviewer Comment (2025-05-14): A pay stub is not acceptable in lieu of the VVOE at or prior to closing. Condition remains<br>Seller Comment (2025-05-13): (Rate Lock) Will you accept paystub from [Redact] to [Redact] as final VOE prior to closing? Please advise<br>Reviewer Comment (2025-05-07): Post-close VVOE provided. Verification of employment at or prior to closing was not located in file. A post-close VVOE is acceptable to re-verify the employment, however a VVOE at or prior to closing is required. Condition remains<br>Seller Comment (2025-05-07): (Rate Lock) VOE | 05/18/2025 |  |  | 1 C A |  | [Redact] | Second Home | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9120523 | [Redact] | [Redact] | 33410028 |  | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | Verification of employment was not provided |  |  |  | Reviewer Comment (2025-05-18): Received VVOE. Exception Cleared. | 05/18/2025 |  |  | 1 A |  | [Redact] | Second Home | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9120523 | [Redact] | [Redact] | 33410399 |  | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is required and was not found in file. |  | The verification of employment is required and was not found in file. |  |  |  | Reviewer Comment (2025-05-07): Post-close VVOE provided<br>Seller Comment (2025-05-07): (Rate Lock) VOE | 05/07/2025 |  |  | 1 C A |  | [Redact] | Second Home | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9120523 | [Redact] | [Redact] | 33410400 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. |  | The verification of employment is required and was not found in file. |  |  |  | Reviewer Comment (2025-05-18): Received VVOE. Exception Cleared.<br>Seller Comment (2025-05-16): (Rate Lock) Please see the attached.<br>Reviewer Comment (2025-05-14): A pay stub is not acceptable in lieu of the VVOE at or prior to closing. Condition remains<br>Seller Comment (2025-05-13): (Rate Lock) Will you accept paystub from [Redact] to [Redact] as final VOE prior to closing? Please advise<br>Reviewer Comment (2025-05-07): Post-close VVOE provided. Verification of employment at or prior to closing was not located in file. A post-close VVOE is acceptable to re-verify the employment, however a VVOE at or prior to closing is required. Condition remains<br>Seller Comment (2025-05-07): (Rate Lock) VOE | 05/18/2025 |  |  | 1 C A |  | [Redact] | Second Home | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9120603 | [Redact] | [Redact] | 33204575 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-05-14): Waived on Rate Lock: Collateral cleared by Custodian | 05/14/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 9120603 | [Redact] | [Redact] | 33413383 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of [Redact] is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total [Redact] on a Federal Total Loan Amount of [Redact] vs. an investor allowable total of [Redact] (an overage of [Redact] or [Redact]). |  |  |  |  | Reviewer Comment (2025-05-06): Client elected to waive the condition on the Non-QM 1st lien |  |  | 05/06/2025 | 2 B |  | [Redact] | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| [Redact] | 9120603 | [Redact] | [Redact] | 33413386 |  | 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 [Redact] exceeds tolerance of [Redact]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-05-06): Sufficient Cure Provided At Closing |  | 05/06/2025 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [Redact] | 9120602 | [Redact] | [Redact] | 33204741 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-05-29): Waived on Rate Lock: Collateral cleared by Custodian | 05/29/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9120602 | [Redact] | [Redact] | 33497438 |  | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of [Redact] is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and [Redact] (2025). FNMA Finance Charge total [Redact] on a Original Loan Amount of [Redact] vs. an allowable total of [Redact] and [Redact] (2025) (an overage of [Redact] or [Redact]). | FNMA Points and Fees on subject loan of [Redact] is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and [Redact] (2025). FNMA Finance Charge total [Redact] on a Original Loan Amount of [Redact] vs. an allowable total of [Redact] and [Redact] (2025) (an overage of [Redact] or [Redact]) |  |  |  | Reviewer Comment (2025-05-21): Client elected to waive the condition on the Non-QM 1st lien |  |  | 05/21/2025 | 2 B |  | [Redact] | Investment | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Exempt from ATR | Exempt from ATR | Yes |
| [Redact] | 9121974 | [Redact] | [Redact] | 33208707 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-05-06): Waived on Rate Lock: Collateral cleared by Custodian | 05/06/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | A | Non QM | Non QM | No |
| [Redact] | 9121974 | [Redact] | [Redact] | 33403001 |  | 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 [Redact] exceeds tolerance of [Redact]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-05-02): Sufficient Cure Provided At Closing |  | 05/02/2025 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| [Redact] | 9121974 | [Redact] | [Redact] | 33403002 |  | 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 [Redact] exceeds tolerance of [Redact]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-05-02): Sufficient Cure Provided At Closing |  | 05/02/2025 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| [Redact] | 9122000 | [Redact] | [Redact] | 33212979 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-04-30): Waived on Rate Lock: Collateral cleared by Custodian | 04/30/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9122000 | [Redact] | [Redact] | 33334596 |  | 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 [Redact] exceeds tolerance of [Redact]. Insufficient or no cure was provided to the borrower. | Credit Report Fee was last disclosed as [Redact] on Loan Estimate but disclosed as [Redact] on Final Closing Disclosure dated [Redact]. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include [Redact], a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-05-12): [Redact] Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Seller Comment (2025-05-09): Cure Docs attached<br>Reviewer Comment (2025-05-01): [Redact]: Credit report fee increase of [Redact] from [Redact] on Final CD without VCC's. A valid COC is required for the fee was increased or Cure would be due to borrower. |  | 05/12/2025 |  | 2 C B |  | [Redact] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| [Redact] | 9122002 | [Redact] | [Redact] | 33214471 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-05-02): Waived on Rate Lock: Collateral cleared by Custodian | 05/02/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9122002 | [Redact] | [Redact] | 33362436 |  | Credit | Guideline | Guideline Issue | Guideline | Missing required Transcript (1040) or W-2 Transcript. |  |  |  |  |  | Reviewer Comment (2025-05-15): Received 1040 Transcript. Exception Cleared.<br>Seller Comment (2025-05-15): Transcripts attached.<br>Reviewer Comment (2025-05-04): Required 1099 transcript. Exception Remains.<br>Seller Comment (2025-05-02): \*\*\*Please Disregard W2 transcripts provided, as they are for a different file. Thank you!<br>Seller Comment (2025-05-02): W2 Transcripts<br>Reviewer Comment (2025-05-01): As per guideline W-2 Transcript required. Exception Remains.<br>Seller Comment (2025-04-30): This Borrower uses SSI/Retirement Income. Transcript (1040) or W-2 Transcript would not applicable for this file. Can you please review and waive. | 05/15/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9122002 | [Redact] | [Redact] | 33362520 |  | 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. |  |  |  |  |  |  |  | 04/28/2025 | 2 B |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9122002 | [Redact] | [Redact] | 33362522 |  | 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 [Redact] exceeds tolerance of [Redact]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-04-28): Sufficient Cure Provided At Closing |  | 04/28/2025 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [Redact] | 9122523 | [Redact] | [Redact] | 33218578 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-05-30): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-05-23): (Rate Lock) Tracking # [Redact] | 05/30/2025 |  |  | 1 A |  | [Redact] | Second Home | Purchase | A | Non QM | Non QM | No |
| [Redact] | 9122768 | [Redact] | [Redact] | 33224680 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-05-14): Waived on Rate Lock: Collateral cleared by Custodian | 05/14/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| [Redact] | 9122768 | [Redact] | [Redact] | 33402685 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 05/02/2025 | 2 B |  | [Redact] | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| [Redact] | 9122769 | [Redact] | [Redact] | 33224682 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-05-26): Waived on Rate Lock: Collateral cleared by Custodian | 05/26/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Limited Cash-out GSE | B A | Non QM | Non QM | No |
| [Redact] | 9122769 | [Redact] | [Redact] | 33499257 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of [Redact] is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total [Redact] on a Federal Total Loan Amount of [Redact] vs. an investor allowable total of [Redact] (an overage of [Redact] or [Redact]). | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of [Redact] is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total [Redact] on a Federal Total Loan Amount of [Redact] vs. an investor allowable total of [Redact]. |  |  |  | Reviewer Comment (2025-05-22): Client elected to waive the condition on the Non-QM 1st lien |  |  | 05/22/2025 | 2 B |  | [Redact] | Primary | Refinance - Limited Cash-out GSE | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| [Redact] | 9122762 | [Redact] | [Redact] | 33224683 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-05-14): Waived on Rate Lock: Collateral cleared by Custodian | 05/14/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | A | Non QM | Exempt from ATR | No |
| [Redact] | 9123863 | [Redact] | [Redact] | 33230868 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-05-07): Waived on Rate Lock: Collateral cleared by Custodian | 05/07/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 9123863 | [Redact] | [Redact] | 33396945 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 05/01/2025 | 2 B |  | [Redact] | Primary | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 9125195 | [Redact] | [Redact] | 33243387 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-05-16): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-05-15): collateral delivered [Redact] via [Redact] tracking [Redact] | 05/16/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | C B A |  | N/A | No |
| [Redact] | 9125195 | [Redact] | [Redact] | 33434795 |  | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. |  | Obtain the most recent two (2) months account statements or the most recent quarterly account statement. |  |  |  | Reviewer Comment (2025-05-12): Additional months' statement provided verifying additional assets<br>Seller Comment (2025-05-12): bnk statement | 05/12/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A |  | N/A | No |
| [Redact] | 9125195 | [Redact] | [Redact] | 33434809 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The Title Policy Amount of [Redact] is less than the note amount of [Redact] based on the Commitment in file. |  |  |  |  |  |  | 05/09/2025 | 2 B |  | [Redact] | Investment | Purchase | C B A |  | N/A | No |
| [Redact] | 9125195 | [Redact] | [Redact] | 33435505 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | PITIA reserves months discrepancy. |  |  |  | Reviewer Comment (2025-05-12): Additional months' statement provided verifying additional assets | 05/12/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A |  | N/A | No |
| [Redact] | 9126868 | [Redact] | [Redact] | 33274625 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-05-06): Waived on Rate Lock: Collateral cleared by Custodian | 05/06/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 9126868 | [Redact] | [Redact] | 33396810 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of [Redact] is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total [Redact] on a Federal Total Loan Amount of [Redact] vs. an investor allowable total of [Redact] (an overage of [Redact] or [Redact]). |  |  |  |  | Reviewer Comment (2025-05-03): Client elected to waive the condition on the Non-QM 1st lien |  |  | 05/03/2025 | 2 B |  | [Redact] | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| [Redact] | 9126872 | [Redact] | [Redact] | 33275070 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-05-06): Waived on Rate Lock: Collateral cleared by Custodian | 05/06/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 9126872 | [Redact] | [Redact] | 33402883 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of [Redact] is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total [Redact] on a Federal Total Loan Amount of [Redact] vs. an investor allowable total of [Redact] (an overage of [Redact] or [Redact]). |  |  |  |  | Reviewer Comment (2025-05-03): Client elected to waive the condition on the Non-QM 1st lien |  |  | 05/03/2025 | 2 B |  | [Redact] | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| [Redact] | 9126872 | [Redact] | [Redact] | 33402889 |  | 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 [Redact] exceeds tolerance of [Redact]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-05-02): Sufficient Cure Provided At Closing |  | 05/02/2025 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [Redact] | 9127994 | [Redact] | [Redact] | 33279348 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-05-14): Waived on Rate Lock: Collateral cleared by Custodian | 05/14/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9127994 | [Redact] | [Redact] | 33423018 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (Notice to Assignee) | Truth in Lending Act (HOEPA): Required Statement was not provided to purchaser or assignee for loan that was sold or assigned. (Note: This notice only applies when selling or assigning a HOEPA loan and may not be found in the file for loans that have not been previously sold) | The file is missing proof of the undiscounted interest rate and the undiscounted interest rate price or the amount of discount points required to obtain the undiscounted rate, to determine if any of the discount points are bona fide. |  |  |  | Reviewer Comment (2025-05-12): Proof of the undiscounted interest rate and the undiscounted interest rate price provided and a portion of the discount points are bona fide.<br>Seller Comment (2025-05-09): [Redact] See attached Lock Action with highlighted undiscounted rate, bonafide discount (if applicable) and calculation portion. Par rate(also known as undiscounted rate) is within 1% higher than APOR which allows for 2% bonafide discount to be applied. The Undiscounted Interest Rate Price is [Redact]. | 05/12/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9127994 | [Redact] | [Redact] | 33423019 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower | The file is missing proof of the undiscounted interest rate and the undiscounted interest rate price or the amount of discount points required to obtain the undiscounted rate, to determine if any of the discount points are bona fide. |  |  |  | Reviewer Comment (2025-05-12): Proof of the undiscounted interest rate and the undiscounted interest rate price provided and a portion of the discount points are bona fide.<br>Seller Comment (2025-05-09): [Redact] See attached Lock Action with highlighted undiscounted rate, bonafide discount (if applicable) and calculation portion. Par rate(also known as undiscounted rate) is within 1% higher than APOR which allows for 2% bonafide discount to be applied. The Undiscounted Interest Rate Price is [Redact]. | 05/12/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9127994 | [Redact] | [Redact] | 33423020 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) | Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees. | The file is missing proof of the undiscounted interest rate and the undiscounted interest rate price or the amount of discount points required to obtain the undiscounted rate, to determine if any of the discount points are bona fide. |  |  |  | Reviewer Comment (2025-05-12): Proof of the undiscounted interest rate and the undiscounted interest rate price provided and a portion of the discount points are bona fide.<br>Seller Comment (2025-05-09): [Redact] See attached Lock Action with highlighted undiscounted rate, bonafide discount (if applicable) and calculation portion. Par rate(also known as undiscounted rate) is within 1% higher than APOR which allows for 2% bonafide discount to be applied. The Undiscounted Interest Rate Price is [Redact]. | 05/12/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9127994 | [Redact] | [Redact] | 33423021 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of 4% of the amount past due or grace period of less than 15 days. | The file is missing proof of the undiscounted interest rate and the undiscounted interest rate price or the amount of discount points required to obtain the undiscounted rate, to determine if any of the discount points are bona fide. |  |  |  | Reviewer Comment (2025-05-12): Proof of the undiscounted interest rate and the undiscounted interest rate price provided and a portion of the discount points are bona fide.<br>Seller Comment (2025-05-09): [Redact] See attached Lock Action with highlighted undiscounted rate, bonafide discount (if applicable) and calculation portion. Par rate(also known as undiscounted rate) is within 1% higher than APOR which allows for 2% bonafide discount to be applied. The Undiscounted Interest Rate Price is [Redact]. | 05/12/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9127994 | [Redact] | [Redact] | 33423022 |  | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of [Redact] is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of [Redact] on a Federal Total Loan Amount of [Redact] vs. an allowable total of [Redact] (an overage of [Redact] or [Redact]). Non-Compliant High Cost Loan. | The file is missing proof of the undiscounted interest rate and the undiscounted interest rate price or the amount of discount points required to obtain the undiscounted rate, to determine if any of the discount points are bona fide. |  |  |  | Reviewer Comment (2025-05-12): Proof of the undiscounted interest rate and the undiscounted interest rate price provided and a portion of the discount points are bona fide.<br>Seller Comment (2025-05-09): [Redact] See attached Lock Action with highlighted undiscounted rate, bonafide discount (if applicable) and calculation portion. Par rate(also known as undiscounted rate) is within 1% higher than APOR which allows for 2% bonafide discount to be applied. The Undiscounted Interest Rate Price is [Redact]. | 05/12/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. C B | Non QM | Non QM | Yes |
| [Redact] | 9127994 | [Redact] | [Redact] | 33423023 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. | The file is missing proof of the undiscounted interest rate and the undiscounted interest rate price or the amount of discount points required to obtain the undiscounted rate, to determine if any of the discount points are bona fide. |  |  |  | Reviewer Comment (2025-05-12): Proof of the undiscounted interest rate and the undiscounted interest rate price provided and a portion of the discount points are bona fide.<br>Seller Comment (2025-05-09): [Redact] See attached Lock Action with highlighted undiscounted rate, bonafide discount (if applicable) and calculation portion. Par rate(also known as undiscounted rate) is within 1% higher than APOR which allows for 2% bonafide discount to be applied. The Undiscounted Interest Rate Price is [Redact]. | 05/12/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9127994 | [Redact] | [Redact] | 33423025 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of [Redact] is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total [Redact] on a Federal Total Loan Amount of [Redact] vs. an investor allowable total of [Redact] (an overage of [Redact] or [Redact]). | The file is missing proof of the undiscounted interest rate and the undiscounted interest rate price or the amount of discount points required to obtain the undiscounted rate, to determine if any of the discount points are bona fide. |  |  |  | Reviewer Comment (2025-05-12): Client elected to waive the condition on the Non-QM 1st lien<br>Reviewer Comment (2025-05-12): EXCEPTION HISTORY - Exception Detail was updated on [Redact] PRIOR Exception Detail: Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of [Redact] is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total [Redact] on a Federal Total Loan Amount of [Redact] vs. an investor allowable total of [Redact] (an overage of [Redact] or [Redact]).<br>Seller Comment (2025-05-09): [Redact] Disagree - Please note that the Fannie Mae points and fees also known as QM test does not apply to this product type (bank statement) as it is a non-agency loan. |  |  | 05/12/2025 | 2 B |  | [Redact] | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| [Redact] | 9127994 | [Redact] | [Redact] | 33423028 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost Disclosure) [Redact] Covered Loan (Consumer Caution Notice Not Provided) | [Redact] Covered Loan: Consumer Caution Notice not provided to borrower. | [Redact] Covered Loan: Consumer Caution Notice not provided to borrower. |  |  |  | Reviewer Comment (2025-05-12): Proof of the undiscounted interest rate and the undiscounted interest rate price provided and a portion of the discount points are bona fide.<br>Seller Comment (2025-05-09): [Redact] See attached Lock Action with highlighted undiscounted rate, bonafide discount (if applicable) and calculation portion. Par rate(also known as undiscounted rate) is within 1% higher than APOR which allows for 2% bonafide discount to be applied. The Undiscounted Interest Rate Price is [Redact]. | 05/12/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9127994 | [Redact] | [Redact] | 33423029 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost) [Redact] Covered Loan (Points and Fees) | [Redact] Consumer Equity Protection Act: Points and Fees on subject loan of [Redact] is in excess of the allowable maximum of 5.00000% of the Total Loan Amount. Points and Fees total [Redact] on a Total Loan Amount of [Redact] vs. an allowable total of [Redact] (an overage of [Redact] or [Redact]). Non-Compliant High Cost Loan. | The file is missing proof of the undiscounted interest rate and the undiscounted interest rate price or the amount of discount points required to obtain the undiscounted rate, to determine if any of the discount points are bona fide. |  |  |  | Reviewer Comment (2025-05-12): Proof of the undiscounted interest rate and the undiscounted interest rate price provided and a portion of the discount points are bona fide.<br>Seller Comment (2025-05-09): [Redact] See attached Lock Action with highlighted undiscounted rate, bonafide discount (if applicable) and calculation portion. Par rate(also known as undiscounted rate) is within 1% higher than APOR which allows for 2% bonafide discount to be applied. The Undiscounted Interest Rate Price is [Redact]. | 05/12/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | For application prior to 1/10/14, no obvious cure.<br>For applications on or after 1/10/14, same as DF HOEPA cure:<br> (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. C B | Non QM | Non QM | Yes |
| [Redact] | 9127994 | [Redact] | [Redact] | 33423030 |  | 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 [Redact] exceeds tolerance of [Redact]. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of [Redact] exceeds tolerance of [Redact]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-05-07): Sufficient Cure Provided At Closing |  | 05/07/2025 |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [Redact] | 9128282 | [Redact] | [Redact] | 33282580 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-05-07): Waived on Rate Lock: Collateral cleared by Custodian | 05/07/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | A | Non QM | Non QM | No |
| [Redact] | 9128282 | [Redact] | [Redact] | 33407729 |  | 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 [Redact] exceeds tolerance of [Redact]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-05-05): Sufficient Cure Provided At Closing |  | 05/05/2025 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| [Redact] | 9128287 | [Redact] | [Redact] | 33282862 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-05-14): Waived on Rate Lock: Collateral cleared by Custodian | 05/14/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | A | Non QM | Non QM | No |
| [Redact] | 9128285 | [Redact] | [Redact] | 33282863 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-05-14): Waived on Rate Lock: Collateral cleared by Custodian | 05/14/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| [Redact] | 9128285 | [Redact] | [Redact] | 33435135 |  | 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 [Redact] exceeds tolerance of [Redact]. Sufficient or excess cure was provided to the borrower at Closing. | Second Appraisal Fee was last disclosed as [Redact] on LE but disclosed as [Redact] on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. |  |  |  | Reviewer Comment (2025-05-09): Sufficient Cure Provided At Closing |  | 05/09/2025 |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [Redact] | 9128285 | [Redact] | [Redact] | 33437672 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within [Redact] or [Redact] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  |  |  |  | 05/09/2025 | 2 B |  | [Redact] | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| [Redact] | 9128288 | [Redact] | [Redact] | 33282864 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-05-14): Waived on Rate Lock: Collateral cleared by Custodian | 05/14/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 9128288 | [Redact] | [Redact] | 33423308 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of [Redact] is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total [Redact] on a Federal Total Loan Amount of [Redact] vs. an investor allowable total of [Redact] (an overage of [Redact] or [Redact]). | Points and Fees on subject loan of [Redact] is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total [Redact] on a Federal Total Loan Amount of [Redact] vs. an investor allowable total of [Redact]. |  |  |  | Reviewer Comment (2025-05-08): Client elected to waive the condition on the Non-QM 1st lien |  |  | 05/08/2025 | 2 B |  | [Redact] | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| [Redact] | 9128288 | [Redact] | [Redact] | 33423312 |  | 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 [Redact] exceeds tolerance of [Redact]. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of [Redact] exceeds tolerance of [Redact]. No cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-05-07): Sufficient Cure Provided At Closing |  | 05/07/2025 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [Redact] | 9128288 | [Redact] | [Redact] | 33432010 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within [Redact] or [Redact] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  |  |  |  | 05/08/2025 | 2 B |  | [Redact] | Primary | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 9115010 | [Redact] |  | 33302429 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Required additional bank statements to meet reserve requirements. |  |  |  | Reviewer Comment (2025-05-01): Received account statement. Exception Cleared.<br>Seller Comment (2025-05-01): Bank statements uploaded. | 05/01/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| [Redact] | 9115010 | [Redact] |  | 33302431 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. |  | The Hazard Insurance Policy Effective Date is after the later of the note or transaction date. |  |  |  | Reviewer Comment (2025-05-07): Updated HOI provided with an effective date equal to the closing date<br>Seller Comment (2025-05-07): Please see attached - Re-issued EOI with coverage backdated.<br>Seller Comment (2025-05-06): \*<br>Reviewer Comment (2025-04-29): Elevated to the client for review. HOI policy was not in effect at the time of closing and LOE from insurance company verified no claims from the closing date through the effective date.<br>Seller Comment (2025-04-28): No loss letter from insurance provider uploaded | 05/07/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| [Redact] | 9115010 | [Redact] |  | 33302439 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by [Redact]. Provide updated policy reflecting minimum coverage of [Redact] OR<br> provide copy of insurer's replacement cost estimate supporting current coverage amount. |  |  |  | Reviewer Comment (2025-04-22): RCE provided<br>Seller Comment (2025-04-22): Please see RCE | 04/22/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| [Redact] | 9129354 | [Redact] | [Redact] | 33288637 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-05-05): Waived on Rate Lock: Collateral cleared by Custodian | 05/05/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9129354 | [Redact] | [Redact] | 33381261 |  | 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 [Redact] exceeds tolerance of [Redact]. Sufficient or excess cure was provided to the borrower at Closing. | sufficient cure was provided at closing |  |  |  | Reviewer Comment (2025-04-30): Sufficient Cure Provided At Closing |  | 04/30/2025 |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [Redact] | 9129354 | [Redact] | [Redact] | 33381262 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. |  |  |  |  |  |  | 04/30/2025 | 2 B |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9129354 | [Redact] | [Redact] | 33381273 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in the file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  |  |  |  | 04/30/2025 | 2 B |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9129354 | [Redact] | [Redact] | 33381282 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Total cash-out discrepancy. | HUD-1 total cash-out of ___ is greater than Guideline total cash-out of ___. | HUD-1 total cash-out of [Redact] is greater than Guideline total cash-out of [Redact]. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least [Redact].<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 Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. | - 62.84% LTV is 17% below max (80%).<br>- Job Stability: 16 years self-employment with same business. | [Redact],Aggregator<br>Aggregator,[Redact]<br>[Redact]<br>[Redact]<br>[Redact]<br>[Redact] | Reviewer Comment (2025-05-22): Client elected to waive the condition with the following Compensating factors: <br> - 62.84% LTV is 17% below max (80%).<br> - Job Stability: 16 years self-employment with same business.<br> - Credit Depth: 13-year Mortgage history paid as agreed. |  |  | 05/22/2025 | 2 C B |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9129354 | [Redact] | [Redact] | 33383506 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of [Redact] is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total [Redact] on a Federal Total Loan Amount of [Redact] vs. an investor allowable total of [Redact] (an overage of [Redact] or [Redact]). | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of [Redact] is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. |  |  |  | Reviewer Comment (2025-04-30): Client elected to waive the condition on the Non-QM 1st lien |  |  | 04/30/2025 | 2 B |  | [Redact] | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| [Redact] | 9129354 | [Redact] | [Redact] | 33383507 |  | 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 [Redact] exceeds tolerance of [Redact]. Sufficient or excess cure was provided to the borrower at Closing. | sufficient cure was provided |  |  |  | Reviewer Comment (2025-04-30): Sufficient Cure Provided At Closing |  | 04/30/2025 |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [Redact] | 9129357 | [Redact] | [Redact] | 33288641 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-05-06): Waived on Rate Lock: Collateral cleared by Custodian | 05/06/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9129357 | [Redact] | [Redact] | 33402253 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  |  |  |  | 05/02/2025 | 2 B |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9129357 | [Redact] | [Redact] | 33402254 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [Redact] or Final Disclosure APR of [Redact] is equal to or greater than the threshold of APOR [Redact] + 1.5%, or [Redact]. Non-Compliant Higher Priced Mortgage Loan. | The file is missing proof of receipt of the appraisal at least three business days prior to closing. File contains proof of delivery on [Redact], but it does not confirm receipt on [Redact]. |  |  |  | Reviewer Comment (2025-05-06): Proof of receipt of the appraisal was provided<br>Seller Comment (2025-05-05): [Redact] Please see the attached TRID Disclosure History and Appraisal Package that shows the borrower was sent the Appraisal Package on [Redact] and consented to it on [Redact]. This meets the 3 business day cool off before the closing date of [Redact] | 05/06/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9129357 | [Redact] | [Redact] | 33402256 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | The file is missing proof of receipt of the appraisal at least three business days prior to closing. File contains proof of delivery on [Redact], but it does not confirm receipt on [Redact]. |  |  |  | Reviewer Comment (2025-05-06): Proof of receipt of the appraisal was provided<br>Seller Comment (2025-05-05): [Redact] Please see the attached TRID Disclosure History and Appraisal Package that shows the borrower was sent the Appraisal Package on [Redact] and consented to it on [Redact]. This meets the 3 business day cool off before the closing date of [Redact] | 05/06/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9129357 | [Redact] | [Redact] | 33402261 |  | 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 [Redact] exceeds tolerance of [Redact]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-05-02): Sufficient Cure Provided At Closing |  | 05/02/2025 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [Redact] | 9129362 | [Redact] | [Redact] | 33289116 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-05-07): Waived on Rate Lock: Collateral cleared by Custodian | 05/07/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9129362 | [Redact] | [Redact] | 33402875 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of [Redact] is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total [Redact] on a Federal Total Loan Amount of [Redact] vs. an investor allowable total of [Redact] (an overage of [Redact] or [Redact]). | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of [Redact] is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total [Redact] on a Federal Total Loan Amount of [Redact] vs. an investor allowable total of [Redact] (an overage of [Redact] or [Redact]). |  |  |  | Reviewer Comment (2025-05-05): Client elected to waive the condition on the Non-QM 1st lien |  |  | 05/05/2025 | 2 B |  | [Redact] | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| [Redact] | 9129362 | [Redact] | [Redact] | 33403779 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | [Redact] Bank Statement account number ending [Redact] for month ending [Redact] not provided. |  |  |  | Reviewer Comment (2025-05-14): Missing statement provided<br>Seller Comment (2025-05-13): [Redact]: Please see attached bank statement<br>Reviewer Comment (2025-05-08): The file is missing the [Redact] statement for account xx[Redact]. Exception Remains.<br>Seller Comment (2025-05-08): [Redact]-[Redact] does meet the 12 month asset requirement and are the months that were used to calculate the income. [Redact] statement is not required.<br>Reviewer Comment (2025-05-08): The [Redact] statement for the account ending in xx[Redact] was provided. This account was not used to calculate the income. The file is missing the [Redact] statement for account xx[Redact]. Note: the [Redact] statement for account xx[Redact] is also acceptable to meet the 12 month statements required. Condition is valid and remains open<br>Seller Comment (2025-05-07): [Redact]: Please see attached bank statement<br>Seller Comment (2025-05-07): [Redact]: The borrowers are not using [Redact] bank statement ending in [Redact] for cash to close or reserve requirement. The document is not requried. | 05/14/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9129362 | [Redact] | [Redact] | 33403826 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | [Redact] Bank Statement account number ending [Redact] for month ending [Redact] not provided. |  |  |  | Reviewer Comment (2025-05-14): Missing statement provided<br>Seller Comment (2025-05-13): [Redact]: Please see attached bank statement<br>Reviewer Comment (2025-05-08): The [Redact] statement for the account ending in xx[Redact] was provided. This account was not used to calculate the income. The file is missing the [Redact] statement for account xx[Redact]. Note: the [Redact] statement for account xx[Redact] is also acceptable to meet the 12 month statements required. Condition is valid and remains open<br>Seller Comment (2025-05-07): [Redact]: Please see attached bank statement<br>Seller Comment (2025-05-07): [Redact]: The borrowers are not using [Redact] bank statement ending in [Redact] for cash to close or reserve requirement. The document is not requried. | 05/14/2025 |  |  | 1 B A C |  | [Redact] | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| [Redact] | 9129362 | [Redact] | [Redact] | 33403827 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | [Redact] Bank Statement account number ending [Redact] for month ending [Redact] not provided. |  |  |  | Reviewer Comment (2025-05-14): Missing statement provided<br>Seller Comment (2025-05-13): [Redact]: Please see attached bank statement<br>Reviewer Comment (2025-05-08): The [Redact] statement for the account ending in xx[Redact] was provided. This account was not used to calculate the income. The file is missing the [Redact] statement for account xx[Redact]. Note: the [Redact] statement for account xx[Redact] is also acceptable to meet the 12 month statements required. Condition is valid and remains open<br>Seller Comment (2025-05-07): [Redact]: The borrowers are not using [Redact] bank statement ending in [Redact] for cash to close or reserve requirement. The document is not requried. | 05/14/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9129362 | [Redact] | [Redact] | 33403832 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | [Redact] Bank Statement account number ending [Redact] for month ending [Redact] not provided. |  |  |  | Reviewer Comment (2025-05-14): Missing statement provided<br>Seller Comment (2025-05-14): [Redact]: Please see attached bank statement<br>Reviewer Comment (2025-05-08): The [Redact] statement for the account ending in xx[Redact] was provided. This account was not used to calculate the income. The file is missing the [Redact] statement for account xx[Redact]. Note: the [Redact] statement for account xx[Redact] is also acceptable to meet the 12 month statements required. Condition is valid and remains open<br>Seller Comment (2025-05-07): [Redact]: The borrowers are not using [Redact] bank statement ending in [Redact] for cash to close or reserve requirement. The document is not requried. | 05/14/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9129364 | [Redact] | [Redact] | 33289121 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-05-14): Waived on Rate Lock: Collateral cleared by Custodian | 05/14/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 9129364 | [Redact] | [Redact] | 33407640 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 05/05/2025 | 2 B |  | [Redact] | Primary | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 9129365 | [Redact] | [Redact] | 33289126 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-05-14): Waived on Rate Lock: Collateral cleared by Custodian | 05/14/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9129365 | [Redact] | [Redact] | 33413895 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of [Redact] is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total [Redact] on a Federal Total Loan Amount of [Redact] vs. an investor allowable total of [Redact] (an overage of [Redact] or [Redact]). |  |  |  |  | Reviewer Comment (2025-05-06): Client elected to waive the condition on the Non-QM 1st lien |  |  | 05/06/2025 | 2 B |  | [Redact] | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| [Redact] | 9129365 | [Redact] | [Redact] | 33413898 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. |  |  |  | Reviewer Comment (2025-05-08): [Redact] received CD dated [Redact]<br>Seller Comment (2025-05-07): [Redact] Please see the attached TRID Disclosure History and initial Closing disclosure that shows the borrower was sent the initial Closing Disclosure on [Redact] and consented to it on [Redact]. This meets the 3 business days before the closing date of [Redact]. | 05/08/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | No Defined Cure B A | Non QM | Non QM | No |
| [Redact] | 9129365 | [Redact] | [Redact] | 33413899 |  | 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 [Redact] exceeds tolerance of [Redact]. Sufficient or excess cure was provided to the borrower at Closing. | A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2025-05-06): Sufficient Cure Provided At Closing |  | 05/06/2025 |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [Redact] | 9129365 | [Redact] | [Redact] | 33413938 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The Title Policy Amount of [Redact] is less than the note amount of [Redact] based on the Commitment in file. |  |  |  |  |  |  | 05/06/2025 | 2 B |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9130131 | [Redact] | [Redact] | 33292638 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-05-08): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-05-07): [Redact] | 05/08/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9130131 | [Redact] | [Redact] | 33402926 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 05/03/2025 | 2 B |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9130131 | [Redact] | [Redact] | 33402931 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [Redact], prior to three (3) business days from transaction date of [Redact]. | Loan was disbursed prior to midnight of third business day after consummation. Lender to re-open recission, provide copy of new right to cancel form, copy of letter of explanation sent to borrower, and proof of delivery. Note: This exception will not be cleared until expiration of new rescission period. |  |  |  | Reviewer Comment (2025-05-19): Letter of Explanation, Proof of Delivery, and Re-opened NORTC provided.<br>Seller Comment (2025-05-14): Please see attached |  | 05/19/2025 |  | 2 C B |  | [Redact] | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | Non QM | Non QM | Yes |
| [Redact] | 9130194 | [Redact] | [Redact] | 33293063 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-05-14): Waived on Rate Lock: Collateral cleared by Custodian | 05/14/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | A |  | N/A | No |
| [Redact] | 9131147 | [Redact] | [Redact] | 33314577 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-05-06): Waived on Rate Lock: Collateral cleared by Custodian | 05/06/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| [Redact] | 9131147 | [Redact] | [Redact] | 33402797 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | Provide a copy of the final title policy or an addendum to the report verifying title insurance of at least the loan amount. |  |  |  |  |  |  | 05/03/2025 | 2 B |  | [Redact] | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| [Redact] | 9131147 | [Redact] | [Redact] | 33402853 |  | 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 [Redact] exceeds tolerance of [Redact]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-05-02): Sufficient Cure Provided At Closing |  | 05/02/2025 |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [Redact] | 9131150 | [Redact] | [Redact] | 33314578 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-05-06): Waived on Rate Lock: Collateral cleared by Custodian | 05/06/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Limited Cash-out GSE | A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9131143 | [Redact] | [Redact] | 33314580 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-05-06): Waived on Rate Lock: Collateral cleared by Custodian | 05/06/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | A | Non QM | Non QM | No |
| [Redact] | 9131143 | [Redact] | [Redact] | 33390036 |  | 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 [Redact] exceeds tolerance of [Redact]. Sufficient or excess cure was provided to the borrower at Closing. | Second Appraisal Fee was last disclosed as [Redact] on LE but disclosed as [Redact] on Final Closing Disclosure. File does not contain a valid COC for this fee. |  |  |  | Reviewer Comment (2025-05-01): Sufficient Cure Provided At Closing |  | 05/01/2025 |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| [Redact] | 9131144 | [Redact] | [Redact] | 33314581 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-05-21): Waived on Rate Lock: Collateral cleared by Custodian | 05/21/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Limited Cash-out GSE | B A | Non QM | Non QM | No |
| [Redact] | 9131144 | [Redact] | [Redact] | 33458286 |  | 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 [Redact] exceeds tolerance of [Redact]. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded. Second Appraisal Fee was last disclosed as [Redact] on Loan Estimate but disclosed as [Redact] on Final Closing Disclosure dated [Redact]. File does not contain a valid COC for this fee, nor evidence of cure in file. |  |  |  | Reviewer Comment (2025-05-15): Sufficient Cure Provided At Closing |  | 05/15/2025 |  | 1 A |  | [Redact] | Primary | Refinance - Limited Cash-out GSE | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [Redact] | 9131144 | [Redact] | [Redact] | 33458289 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of [Redact] is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total [Redact] on a Federal Total Loan Amount of [Redact] vs. an investor allowable total of [Redact] (an overage of [Redact] or [Redact]). |  |  |  |  | Reviewer Comment (2025-05-15): Client elected to waive the condition on the Non-QM 1st lien |  |  | 05/15/2025 | 2 B |  | [Redact] | Primary | Refinance - Limited Cash-out GSE | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| [Redact] | 9131144 | [Redact] | [Redact] | 33458333 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | Provide a copy of the final title policy or an addendum to the report verifying title insurance of at least the loan amount. |  |  |  |  |  |  | 05/15/2025 | 2 B |  | [Redact] | Primary | Refinance - Limited Cash-out GSE | B A | Non QM | Non QM | No |
| [Redact] | 9131305 | [Redact] | [Redact] | 33317608 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-05-19): Waived on Rate Lock: Collateral cleared by Custodian | 05/19/2025 |  |  | 1 A |  | [Redact] | Second Home | Purchase | D A C B | Non QM | Non QM | No |
| [Redact] | 9131305 | [Redact] | [Redact] | 33455924 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The File was Missing the Secondary Valuation required for Securitization purposes. |  |  |  | Reviewer Comment (2025-05-21): Received CDA. Exception Cleared.<br>Seller Comment (2025-05-21): CDA | 05/21/2025 |  |  | 1 D A |  | [Redact] | Second Home | Purchase | D A C B | Non QM | Non QM | No |
| [Redact] | 9131305 | [Redact] | [Redact] | 33455935 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The file is missing documentation to verify the HOA dues for the primary residence. Per the final 1003, the PITIA is [Redact]; including [Redact] in "Monthly Insurance, Taxes, Association Dues, etc.". The credit supplement verified the taxes and insurance is escrowed in the mortgage payment, so documentation is required to verify the other charges included to qualify. |  |  |  | Reviewer Comment (2025-05-20): Received PITIA documents. Exception Cleared.<br>Seller Comment (2025-05-19): REO Doc | 05/20/2025 |  |  | 1 C A |  | [Redact] | Second Home | Purchase | D A C B | Non QM | Non QM | No |
| [Redact] | 9131305 | [Redact] | [Redact] | 33455965 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. | The file was missing a copy of the Initial Escrow Account Disclosure |  |  |  | Reviewer Comment (2025-05-20): Disclosure provided<br>Seller Comment (2025-05-19): IEAD | 05/20/2025 |  |  | 1 B A |  | [Redact] | Second Home | Purchase | D A C B | Non QM | Non QM | No |
| [Redact] | 9131305 | [Redact] | [Redact] | 33455966 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | The file was missing a copy of the List of Homeowner Counseling Organizations. |  |  |  | Reviewer Comment (2025-05-20): Disclosure provided<br>Seller Comment (2025-05-19): Homeownership list | 05/20/2025 |  |  | 1 B A |  | [Redact] | Second Home | Purchase | D A C B | Non QM | Non QM | No |
| [Redact] | 9131479 | [Redact] | [Redact] | 33318278 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-05-29): Waived on Rate Lock: Collateral cleared by Custodian | 05/29/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Rate/Term | A | Non QM | Non QM | No |
| [Redact] | 9131477 | [Redact] | [Redact] | 33318633 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-05-23): Waived on Rate Lock: Collateral cleared by Custodian | 05/23/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | A | Non QM | Non QM | No |
| [Redact] | 9131477 | [Redact] | [Redact] | 33470559 |  | 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 [Redact] exceeds tolerance of [Redact]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-05-15): Sufficient Cure Provided At Closing |  | 05/15/2025 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| [Redact] | 9132461 | [Redact] | [Redact] | 33324997 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-05-21): Waived on Rate Lock: Collateral cleared by Custodian | 05/21/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9132461 | [Redact] | [Redact] | 33469955 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The Title Policy Amount of [Redact] is less than the note amount of [Redact] based on the Commitment in file. |  |  |  |  |  |  | 05/16/2025 | 2 B |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9132461 | [Redact] | [Redact] | 33469958 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification of appraisal was delivered to borrower was not provided |  |  |  |  |  |  | 05/16/2025 | 2 B |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9132461 | [Redact] | [Redact] | 33469959 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of [Redact] is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total [Redact] on a Federal Total Loan Amount of [Redact] vs. an investor allowable total of [Redact] (an overage of [Redact] or [Redact]). | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of [Redact] is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total [Redact] on a Federal Total Loan Amount of [Redact] vs. an investor allowable total of [Redact]. |  |  |  | Reviewer Comment (2025-05-16): Client elected to waive the condition on the Non-QM 1st lien |  |  | 05/16/2025 | 2 B |  | [Redact] | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| [Redact] | 9132461 | [Redact] | [Redact] | 33469961 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of [Redact] exceeds tolerance of [Redact]. Insufficient or no cure was provided to the borrower. | Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-05-21): [Redact] received valid rate lock dated [Redact]<br>Seller Comment (2025-05-19): On [Redact] there was a relock on the file that caused pricing to increase. On wholesale loans lock actions are acceptable changes and circumstance. A Closing Disclosure went out to the Borrower on the same day. Pricing for the rate ended at [Redact] or -[Redact] with lender paid compensation of [Redact] and a Final Cost to the Borrower of [Redact] or [Redact]. Please see attached lock confirmation and Closing Disclosure. | 05/21/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| [Redact] | 9132461 | [Redact] | [Redact] | 33469962 |  | 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 [Redact] exceeds tolerance of [Redact]. Insufficient or no cure was provided to the borrower. | Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-05-21): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception."<br>Seller Comment (2025-05-19): Please see the attached Final Closing Disclosure and Tolerance Cure breakdown which shows the borrower was provided a credit at closing for the increase in the Credit Report. | 05/21/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| [Redact] | 9132461 | [Redact] | [Redact] | 33494347 |  | 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 [Redact] exceeds tolerance of [Redact]. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure provided at closing. |  |  |  | Reviewer Comment (2025-05-21): Sufficient Cure Provided At Closing |  | 05/21/2025 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [Redact] | 9132462 | [Redact] | [Redact] | 33324998 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-05-14): Waived on Rate Lock: Collateral cleared by Custodian | 05/14/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | A | Non QM | Non QM | No |
| [Redact] | 9132462 | [Redact] | [Redact] | 33443915 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Upon further review, the file is missing proof of the payment history for the 2nd lien that was paid off at closing. The debt did not appear on the credit report and the file did not contain a credit supplement or a VOM. |  |  |  | Reviewer Comment (2025-05-20): Additional documentation provided verifying there were no payments on the additional lien paid off at closing<br>Seller Comment (2025-05-19): [Redact]: HUD does not provide loan specific documentation for this. HUD partial claims do not have payments until after all the payments on the first lien are paid. See attached from HUD confirming this.<br>Reviewer Comment (2025-05-16): Rebuttal reviewed. Documentation is required to confirm there is no payments on the lien. Condition is valid and remains open<br>Seller Comment (2025-05-15): [Redact]: HUD does not provide a note. See HUD website for explanation of partial claims here: https://www.hud.gov/helping-americans/fha-loss-mitigation. HUD website states "The Partial Claim amount does not require payment until the last mortgage payment is made, the loan is refinanced, or the property is sold, whichever occurs first."<br>Reviewer Comment (2025-05-14): A copy of the Note or other documentation verifying there was no payment is required. Condition remains<br>Seller Comment (2025-05-13): [Redact]: Lien that was paid off was a HUD Partial Claim. These are interest free and payments are deferred to the end of the original loan term so there are no payments to document. The lien is reflected on the title commitment and no further documentation is required. | 05/20/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | A | Non QM | Non QM | No |
| [Redact] | 9132465 | [Redact] | [Redact] | 33324999 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-05-14): Waived on Rate Lock: Collateral cleared by Custodian | 05/14/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| [Redact] | 9132465 | [Redact] | [Redact] | 33436467 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of [Redact] is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total [Redact] on a Federal Total Loan Amount of [Redact] vs. an investor allowable total of [Redact] (an overage of [Redact] or [Redact]). | Points and Fees on subject loan of [Redact] is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total [Redact] on a Federal Total Loan Amount of [Redact] vs. an investor allowable total of [Redact] (an overage of [Redact] or [Redact]). |  |  |  | Reviewer Comment (2025-05-12): Client elected to waive the condition on the Non-QM 1st lien |  |  | 05/12/2025 | 2 B |  | [Redact] | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| [Redact] | 9132465 | [Redact] | [Redact] | 33436470 |  | 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 [Redact] exceeds tolerance of [Redact]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-05-09): Sufficient Cure Provided At Closing |  | 05/09/2025 |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [Redact] | 9132465 | [Redact] | [Redact] | 33443962 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Upon further review, the file is missing proof of the payment history for the 3rd lien that was paid off at closing. The debt did not appear on the credit report and the file did not contain a credit supplement or a VOM. |  |  |  | Reviewer Comment (2025-05-20): Additional documentation provided verifying there were no payments on the additional lien paid off at closing<br>Seller Comment (2025-05-19): [Redact]: HUD does not provide loan specific documentation for this. HUD partial claims do not have payments until after all the payments on the first lien are paid. See attached from HUD confirming this.<br>Reviewer Comment (2025-05-16): Rebuttal reviewed. Documentation is required to confirm there is no payments on the lien. Condition is valid and remains open<br>Seller Comment (2025-05-15): [Redact]: This is an HUD Partial Claim that was paid off at closing. It is referred to as just "JUDGEMENT" on loan app for [Redact]. These do not have monthly payments. HUD does not provide a note. See HUD website for explanation of partial claims here: [Redact]. HUD website states ""The Partial Claim amount does not require payment until the last mortgage payment is made, the loan is refinanced, or the property is sold, whichever occurs first.""<br>Reviewer Comment (2025-05-14): Third mortgage dated [Redact], #7 on Schedule B, Part 1 of the title in file. Note: if there is no payment for this lien, a copy of the Note or other documentation verifying there was no payment is required. Condition remains<br>Seller Comment (2025-05-13): [Redact]: Please clarify what third lien is being referenced. File is only reflecting two liens, with [Redact] and [Redact]. | 05/20/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| [Redact] | 9134031 | [Redact] | [Redact] | 33329122 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-05-14): Waived on Rate Lock: Collateral cleared by Custodian | 05/14/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | A | Non QM | Non QM | No |
| [Redact] | 9134021 | [Redact] | [Redact] | 33334795 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-05-16): Waived on Rate Lock: Collateral cleared by Custodian | 05/16/2025 |  |  | 1 A |  | [Redact] | Second Home | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9134021 | [Redact] | [Redact] | 33456013 |  | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. |  | Per the guidelines, 2 months statements are required. The file only contained 1 month with an end date of [Redact]. |  |  |  | Reviewer Comment (2025-05-21): Received Bank Statement. Exception Cleared.<br>Seller Comment (2025-05-20): bank statement | 05/21/2025 |  |  | 1 C A |  | [Redact] | Second Home | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9134025 | [Redact] | [Redact] | 33335382 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-05-23): Waived on Rate Lock: Collateral cleared by Custodian | 05/23/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9134025 | [Redact] | [Redact] | 33484546 |  | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of [Redact] is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and [Redact] (2025). FNMA Finance Charge total [Redact] on a Original Loan Amount of [Redact] vs. an allowable total of [Redact] and [Redact] (2025) (an overage of [Redact] or [Redact]). | FNMA Points and Fees on subject loan of [Redact] is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and [Redact] (2025). FNMA Finance Charge total [Redact] on a Original Loan Amount of [Redact] vs. an allowable total of [Redact] and [Redact] (2025) (an overage of [Redact] or [Redact]). |  |  |  | Reviewer Comment (2025-05-20): Client elected to waive the condition on the Non-QM 1st lien |  |  | 05/20/2025 | 2 B |  | [Redact] | Investment | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Exempt from ATR | Exempt from ATR | Yes |
| [Redact] | 9134025 | [Redact] | [Redact] | 33488337 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Loan Underwriting and Transmittal Summary (1008) / MCAW not provided |  | The final 1008 is missing in the file. |  |  |  | Reviewer Comment (2025-05-23): 1008 provided<br>Seller Comment (2025-05-22): Please see the 1008 attached | 05/23/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9134049 | [Redact] | [Redact] | 33338046 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-05-06): Waived on Rate Lock: Collateral cleared by Custodian | 05/06/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 9134049 | [Redact] | [Redact] | 33397021 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of [Redact] is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total [Redact] on a Federal Total Loan Amount of [Redact] vs. an investor allowable total of [Redact] (an overage of [Redact] or [Redact]). |  |  |  |  | Reviewer Comment (2025-05-02): Client elected to waive the condition on the Non-QM 1st lien |  |  | 05/02/2025 | 2 B |  | [Redact] | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| [Redact] | 9134049 | [Redact] | [Redact] | 33401525 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 05/02/2025 | 2 B |  | [Redact] | Primary | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 9134045 | [Redact] | [Redact] | 33338047 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-05-19): Waived on Rate Lock: Collateral cleared by Custodian | 05/19/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | A | Non QM | Non QM | No |
| [Redact] | 9134044 | [Redact] | [Redact] | 33338048 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-05-22): Waived on Rate Lock: Collateral cleared by Custodian | 05/22/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Limited Cash-out GSE | B A | Non QM | Non QM | No |
| [Redact] | 9134044 | [Redact] | [Redact] | 33455779 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of [Redact] is in excess of the investor allowable maximum of the greater of [Redact] of the Federal Total Loan Amount and [Redact] (2025). Points and Fees total [Redact] on a Federal Total Loan Amount of [Redact] vs. an investor allowable total of [Redact] and [Redact] (2025) (an overage of [Redact] or [Redact]). | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of [Redact] is in excess of the investor allowable maximum of the greater of [Redact] of the Federal Total Loan Amount and [Redact] (2025). Points and Fees total [Redact] on a Federal Total Loan Amount of [Redact] vs. an investor allowable total of [Redact] and [Redact] (2025) (an overage of [Redact] or [Redact]). |  |  |  | Reviewer Comment (2025-05-15): Client elected to waive the condition on the Non-QM 1st lien |  |  | 05/15/2025 | 2 B |  | [Redact] | Primary | Refinance - Limited Cash-out GSE | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| [Redact] | 9134050 | [Redact] | [Redact] | 33338334 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-06-27): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-06-25): Is anything additional needed on this one?<br>Seller Comment (2025-06-20): Collateral delivered on [Redact] via [Redact] tracking number [Redact] | 06/27/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | A |  | N/A | No |
| [Redact] | 9134489 | [Redact] | [Redact] | 33344665 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-05-08): Waived on Rate Lock: Collateral cleared by Custodian | 05/08/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9134489 | [Redact] | [Redact] | 33402913 |  | Compliance | Compliance | Federal Compliance | TRID | ECOA Appraisal Disclosure - ECOA Timing | ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. | File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. |  |  |  | Reviewer Comment (2025-05-07): [Redact] received LE<br>Seller Comment (2025-05-07): Attached | 05/07/2025 |  |  | 1 B A |  | [Redact] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9134489 | [Redact] | [Redact] | 33402915 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [Redact], Most Recent Tax Return End Date [Redact], Tax Return Due Date [Redact]. | The business or personal tax returns provided are not the most recent. Application Date [Redact], Most Recent Tax Return End Date [Redact], Tax Return Due Date [Redact]. |  |  |  |  |  |  | 05/02/2025 | 2 B |  | [Redact] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9134489 | [Redact] | [Redact] | 33402916 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. |  |  |  | Reviewer Comment (2025-05-07): [Redact] received initial CD<br>Seller Comment (2025-05-07): Attached | 05/07/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9134489 | [Redact] | [Redact] | 33402917 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. | Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. (Initial/[Redact]) |  |  |  | Reviewer Comment (2025-05-07): [Redact] received initial LE.<br>Seller Comment (2025-05-07): Attached | 05/07/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9134489 | [Redact] | [Redact] | 33403415 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 05/02/2025 | 2 B |  | [Redact] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9134494 | [Redact] | [Redact] | 33345680 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-05-13): Waived on Rate Lock: Collateral cleared by Custodian | 05/13/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | A | Non QM | Non QM | No |
| [Redact] | 9134548 | [Redact] | [Redact] | 33346530 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-05-29): Waived on Rate Lock: Collateral cleared by Custodian | 05/29/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9134548 | [Redact] | [Redact] | 33506714 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of [Redact] exceeds tolerance of [Redact]. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of [Redact] exceeds tolerance of [Redact]. Insufficient or no cure was provided to the borrower |  |  |  | Reviewer Comment (2025-05-27): [Redact] received rebuttal comment and as per rate lock dated [Redact]. for lock Extension.<br>Seller Comment (2025-05-23): [Redact]: Please see attached COC for loan amount change, Rate Lock Sheets and corresponding disclosure. On [Redact] there was a lock extension, negative pricing disclosed to the borrower on the [Redact] Closing Disclosure. | 05/27/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| [Redact] | 9134548 | [Redact] | [Redact] | 33507673 |  | 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 Fee. Fee Amount of [Redact] exceeds tolerance of [Redact]. Insufficient or no cure was provided to the borrower. | Zero percent fee tolerance was exceeded for Appraisal review Fee by [Redact] for total amount. No valid COC provide, Insufficient cure was provided in file. Provide a post-close CD disclosing the tolerance cure to include [Redact], a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made |  |  |  | Reviewer Comment (2025-05-27): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Seller Comment (2025-05-23): [Redact]: Please see attached Closing Disclosure reflecting a tolerance credit of [Redact] for the Appraisal fee and [Redact] for the Credit Report fee<br>Seller Comment (2025-05-23): [Redact]: Please see attached COC for loan amount change, Rate Lock Sheets and corresponding disclosure. On [Redact] there was a lock extension, negative pricing disclosed to the borrower on the [Redact] Closing Disclosure. | 05/27/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| [Redact] | 9134548 | [Redact] | [Redact] | 33507674 |  | 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 [Redact] exceeds tolerance of [Redact]. Insufficient or no cure was provided to the borrower. | Zero percent fee tolerance was exceeded for Credit report Fee by [Redact] for total amount. No valid COC provide, Insufficient cure was provided in file. Provide a post-close CD disclosing the tolerance cure to include [Redact], a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made |  |  |  | Reviewer Comment (2025-05-27): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Seller Comment (2025-05-23): [Redact]: Please see attached Closing Disclosure reflecting a tolerance credit of [Redact] for the Appraisal fee and [Redact] for the Credit Report fee | 05/27/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| [Redact] | 9134548 | [Redact] | [Redact] | 33516359 |  | 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 [Redact] exceeds tolerance of [Redact]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-05-27): Sufficient Cure Provided At Closing |  | 05/27/2025 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| [Redact] | 9134548 | [Redact] | [Redact] | 33516360 |  | 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 [Redact] exceeds tolerance of [Redact]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-05-27): Sufficient Cure Provided At Closing |  | 05/27/2025 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| [Redact] | 9134549 | [Redact] | [Redact] | 33346531 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-05-14): Waived on Rate Lock: Collateral cleared by Custodian | 05/14/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9134549 | [Redact] | [Redact] | 33417547 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower | File is missing proof of the itemized seller credit dated at or prior to consummation. The document in file was dated post-close |  |  |  | Reviewer Comment (2025-05-08): [Redact] received itemization of seller credit.<br>Seller Comment (2025-05-07): [Redact] Please see the attached ParRate and Itemization of Fees. The price of the undiscounted rate is [Redact], there is no charge for undiscounted (also known as PAR) rate. | 05/08/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9134549 | [Redact] | [Redact] | 33417548 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) | Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees. | File is missing proof of the itemized seller credit dated at or prior to consummation. The document in file was dated post-close |  |  |  | Reviewer Comment (2025-05-08): [Redact] received itemization of seller credit.<br>Seller Comment (2025-05-07): [Redact] Please see the attached ParRate and Itemization of Fees. The price of the undiscounted rate is [Redact], there is no charge for undiscounted (also known as PAR) rate. | 05/08/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9134549 | [Redact] | [Redact] | 33417549 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of 4% of the amount past due or grace period of less than 15 days. | File is missing proof of the itemized seller credit dated at or prior to consummation. The document in file was dated post-close |  |  |  | Reviewer Comment (2025-05-08): [Redact] received itemization of seller credit.<br>Seller Comment (2025-05-07): [Redact] Please see the attached ParRate and Itemization of Fees. The price of the undiscounted rate is [Redact], there is no charge for undiscounted (also known as PAR) rate. | 05/08/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9134549 | [Redact] | [Redact] | 33417550 |  | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of [Redact] is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of [Redact] on a Federal Total Loan Amount of [Redact] vs. an allowable total of [Redact] (an overage of [Redact] or [Redact]). Non-Compliant High Cost Loan. | File is missing proof of the itemized seller credit dated at or prior to consummation. The document in file was dated post-close |  |  |  | Reviewer Comment (2025-05-08): [Redact] received itemization of seller credit.<br>Seller Comment (2025-05-07): [Redact] Please see the attached ParRate and Itemization of Fees. The price of the undiscounted rate is [Redact], there is no charge for undiscounted (also known as PAR) rate. | 05/08/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. C B | Non QM | Non QM | Yes |
| [Redact] | 9134549 | [Redact] | [Redact] | 33417551 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. | File is missing proof of the itemized seller credit dated at or prior to consummation. The document in file was dated post-close |  |  |  | Reviewer Comment (2025-05-08): [Redact] received itemization of seller credit.<br>Seller Comment (2025-05-07): [Redact] Please see the attached ParRate and Itemization of Fees. The price of the undiscounted rate is [Redact], there is no charge for undiscounted (also known as PAR) rate. | 05/08/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9134549 | [Redact] | [Redact] | 33417552 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of [Redact] is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total [Redact] on a Federal Total Loan Amount of [Redact] vs. an investor allowable total of [Redact] (an overage of [Redact] or [Redact]). | File is missing proof of the itemized seller credit dated at or prior to consummation. The document in file was dated post-close |  |  |  | Reviewer Comment (2025-05-08): Client elected to waive the condition on the Non-QM 1st lien<br>Seller Comment (2025-05-07): [Redact] Please see the attached ParRate and Itemization of Fees. The price of the undiscounted rate is [Redact], there is no charge for undiscounted (also known as PAR) rate. |  |  | 05/08/2025 | 2 B |  | [Redact] | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| [Redact] | 9134549 | [Redact] | [Redact] | 33417556 |  | 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 [Redact] exceeds tolerance of [Redact]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-05-06): Sufficient Cure Provided At Closing |  | 05/06/2025 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [Redact] | 9134604 | [Redact] | [Redact] | 33347334 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-05-20): Waived on Rate Lock: Collateral cleared by Custodian | 05/20/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9134604 | [Redact] | [Redact] | 33446810 |  | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of [Redact] is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and [Redact] (2025). FNMA Finance Charge total [Redact] on a Original Loan Amount of [Redact] vs. an allowable total of [Redact] and [Redact] (2025) (an overage of [Redact] or [Redact]). |  |  |  |  | Reviewer Comment (2025-05-13): Client elected to waive the condition on the Non-QM 1st lien |  |  | 05/13/2025 | 2 B |  | [Redact] | Investment | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Exempt from ATR | Exempt from ATR | Yes |
| [Redact] | 9134604 | [Redact] | [Redact] | 33451060 |  | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. |  | Per the guidelines, the most recent asset statements covering 60 days is required. The file only contained one months' statement, with an end date of [Redact]. Provide an additional months' statement. |  |  |  | Reviewer Comment (2025-05-14): Received bank statement. Exception Cleared.<br>Seller Comment (2025-05-14): see attached | 05/14/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9134604 | [Redact] | [Redact] | 33451070 |  | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. |  | Per the guidelines, the most recent asset statements covering 60 days is required. The file only contained one months' statement, with an end date of [Redact]. Provide an additional months' statement. |  |  |  | Reviewer Comment (2025-05-14): Received bank statement. Exception Cleared.<br>Seller Comment (2025-05-14): statement uploaded | 05/14/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9134605 | [Redact] | [Redact] | 33347368 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-05-19): Waived on Rate Lock: Collateral cleared by Custodian | 05/19/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9134605 | [Redact] | [Redact] | 33441231 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. |  |  |  |  |  |  |  | 05/12/2025 | 2 B |  | [Redact] | Investment | Purchase | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9134605 | [Redact] | [Redact] | 33441232 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. |  |  |  |  |  |  |  | 05/12/2025 | 2 B |  | [Redact] | Investment | Purchase | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9135444 | [Redact] | [Redact] | 33353895 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-06-11): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-06-05): (Rate Lock) [Redact] | 06/11/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9135946 | [Redact] | [Redact] | 33355490 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-05-21): Waived on Rate Lock: Collateral cleared by Custodian | 05/21/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| [Redact] | 9135946 | [Redact] | [Redact] | 33454167 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary/[Redact]) |  |  |  |  |  |  | 05/14/2025 | 2 B |  | [Redact] | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| [Redact] | 9135946 | [Redact] | [Redact] | 33454169 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of [Redact] is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total [Redact] on a Federal Total Loan Amount of [Redact] vs. an investor allowable total of [Redact] (an overage of [Redact] or [Redact]). | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of [Redact] is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total [Redact] on a Federal Total Loan Amount of [Redact] vs. an investor allowable total of [Redact] (an overage of [Redact] or [Redact]). |  |  |  | Reviewer Comment (2025-05-14): Client elected to waive the condition on the Non-QM 1st lien |  |  | 05/14/2025 | 2 B |  | [Redact] | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| [Redact] | 9135946 | [Redact] | [Redact] | 33454172 |  | 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 [Redact] exceeds tolerance of [Redact]. Sufficient or excess cure was provided to the borrower at Closing. | Transfer Tax was last disclosed as [Redact] on LE but disclosed as [Redact] on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. |  |  |  | Reviewer Comment (2025-05-14): Sufficient Cure Provided At Closing |  | 05/14/2025 |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [Redact] | 9135946 | [Redact] | [Redact] | 33454251 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The Title Policy Amount of [Redact] is less than the note amount of [Redact] based on the Commitment in file. Provide a copy of the final title policy or an addendum to the report verifying title insurance of at least the loan amount. |  |  |  |  |  |  | 05/14/2025 | 2 B |  | [Redact] | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| [Redact] | 9135947 | [Redact] | [Redact] | 33355491 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-05-21): Waived on Rate Lock: Collateral cleared by Custodian | 05/21/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 9135947 | [Redact] | [Redact] | 33472782 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of [Redact] is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total [Redact] on a Federal Total Loan Amount of [Redact] vs. an investor allowable total of [Redact] (an overage of [Redact] or [Redact]). |  |  |  |  | Reviewer Comment (2025-05-16): Client elected to waive the condition on the Non-QM 1st lien |  |  | 05/16/2025 | 2 B |  | [Redact] | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| [Redact] | 9135947 | [Redact] | [Redact] | 33473400 |  | 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 [Redact] exceeds tolerance of [Redact]. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure was provided |  |  |  | Reviewer Comment (2025-05-16): Sufficient Cure Provided At Closing |  | 05/16/2025 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [Redact] | 9137453 | [Redact] | [Redact] | 33361923 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-05-19): Waived on Rate Lock: Collateral cleared by Custodian | 05/19/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 9137453 | [Redact] | [Redact] | 33447946 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of [Redact] is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total [Redact] on a Federal Total Loan Amount of [Redact] vs. an investor allowable total of [Redact] (an overage of [Redact] or [Redact]). |  |  |  |  | Reviewer Comment (2025-05-13): Client elected to waive the condition on the Non-QM 1st lien |  |  | 05/13/2025 | 2 B |  | [Redact] | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| [Redact] | 9137453 | [Redact] | [Redact] | 33447949 |  | 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 [Redact] exceeds tolerance of [Redact]. Sufficient or excess cure was provided to the borrower at Closing. | Second Appraisal Fee was last disclosed as [Redact] on Loan Estimate but disclosed as [Redact] on Final Closing Disclosure dated [Redact]. File does not contain a valid COC for this fee, nor evidence of cure in file. |  |  |  | Reviewer Comment (2025-05-13): Sufficient Cure Provided At Closing |  | 05/13/2025 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [Redact] | 9137727 | [Redact] | [Redact] | 33362663 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-05-29): Waived on Rate Lock: Collateral cleared by Custodian | 05/29/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | A | Non QM | Non QM | No |
| [Redact] | 9138208 | [Redact] | [Redact] | 33364364 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-05-21): Waived on Rate Lock: Collateral cleared by Custodian | 05/21/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 9138208 | [Redact] | [Redact] | 33455353 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of [Redact] is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total [Redact] on a Federal Total Loan Amount of [Redact] vs. an investor allowable total of [Redact] (an overage of [Redact] or [Redact]). |  |  |  |  | Reviewer Comment (2025-05-14): Client elected to waive the condition on the Non-QM 1st lien |  |  | 05/14/2025 | 2 B |  | [Redact] | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| [Redact] | 9138208 | [Redact] | [Redact] | 33455585 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 05/14/2025 | 2 B |  | [Redact] | Primary | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 9138222 | [Redact] | [Redact] | 33365136 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-05-19): Waived on Rate Lock: Collateral cleared by Custodian | 05/19/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | A | Non QM | Non QM | No |
| [Redact] | 9139726 | [Redact] | [Redact] | 33370715 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-06-10): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-05-28): (Rate Lock) [Redact] | 06/10/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | A | Non QM | Non QM | No |
| [Redact] | 9122482 | [Redact] |  | 33413777 |  | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | Evidence to access funds for [Redact] account number ending [Redact] not provided. |  |  |  | Reviewer Comment (2025-05-09): Received additional bank statement. Exception Cleared.<br>Seller Comment (2025-05-08): Bank statements uploaded | 05/09/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Limited Cash-out GSE | C A |  | N/A | No |
| [Redact] | 9122482 | [Redact] |  | 33413793 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Calculated PITIA months reserves of 3.18 is less than Guideline PITIA months reserves of 6.00. |  |  |  | Reviewer Comment (2025-05-09): Received bank statement. Exception Cleared. | 05/09/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Limited Cash-out GSE | C A |  | N/A | No |
| [Redact] | 9122490 | [Redact] |  | 33425135 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument Error: Security instrument maturity date and note maturity date do not concur. |  | The note identified a First Payment date of [Redact] and a maturity date of [Redact], resulting in a 361 month term. Note: the Loan Agreement correctly identified the maturity date as [Redact]. Provide a revised Note with the correct maturity date. |  |  |  | Reviewer Comment (2025-05-12): Revised Note provided<br>Seller Comment (2025-05-12): Updated note uploaded<br>Reviewer Comment (2025-05-09): No, that would equal 361 payments. Please provide a revised note. Condition remains.<br>Seller Comment (2025-05-08): The first payment is on [Redact] and the last payment is on [Redact], that's exactly 360 payments.<br>Reviewer Comment (2025-05-08): A copy of the loan agreement was provided and the maturity date is identified as [Redact], resulting in a 361 month term. The loan agreement in the initial file correctly identified the maturity date as [Redact]. A copy of the revised note correcting the maturity date is required. Condition remains<br>Seller Comment (2025-05-08): Updated Loan agreement uploaded | 05/12/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 9139969 | [Redact] | [Redact] | 33372102 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-05-26): Waived on Rate Lock: Collateral cleared by Custodian | 05/26/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 9139969 | [Redact] | [Redact] | 33479711 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of [Redact] is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total [Redact] on a Federal Total Loan Amount of [Redact] vs. an investor allowable total of [Redact] (an overage of [Redact] or [Redact]). | Points and Fees on subject loan of [Redact] is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total [Redact] on a Federal Total Loan Amount of [Redact] vs. an investor allowable total of [Redact] (an overage of [Redact] or [Redact]). |  |  |  | Reviewer Comment (2025-05-19): Client elected to waive the condition on the Non-QM 1st lien |  |  | 05/19/2025 | 2 B |  | [Redact] | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| [Redact] | 9140909 | [Redact] | [Redact] | 33386990 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-05-22): Waived on Rate Lock: Collateral cleared by Custodian | 05/22/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9140909 | [Redact] | [Redact] | 33481313 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | List of Homeownership Counseling Organizations was not provided to borrower. |  |  |  | Reviewer Comment (2025-05-21): Disclosure provided<br>Seller Comment (2025-05-21): List of Homeownership Counseling Organizations provided to Borrower | 05/21/2025 |  |  | 1 B A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9140909 | [Redact] | [Redact] | 33481314 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated [Redact] was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application |  |  |  | Reviewer Comment (2025-05-21): Initial LE provided<br>Seller Comment (2025-05-21): Initial LE from [Redact] | 05/21/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9140909 | [Redact] | [Redact] | 33497238 |  | 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 Tract Search Fee. Fee Amount of [Redact] exceeds tolerance of [Redact]. Insufficient or no cure was provided to the borrower. | Initial LE provided and updated testing. The Tract Search Fee was added to the re-disclosed LE dated [Redact] and a valid COC for the addition of the fee was not provided. |  |  |  | Reviewer Comment (2025-05-27): [Redact] received COC dated [Redact].<br>Seller Comment (2025-05-23): LE with Change of Circumstance | 05/27/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| [Redact] | 9141065 | [Redact] | [Redact] | 33388076 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-05-19): Waived on Rate Lock: Collateral cleared by Custodian | 05/19/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 9141065 | [Redact] | [Redact] | 33456537 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of [Redact] is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total [Redact] on a Federal Total Loan Amount of [Redact] vs. an investor allowable total of [Redact] (an overage of [Redact] or [Redact]). | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of [Redact] is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total [Redact] on a Federal Total Loan Amount of [Redact] vs. an investor allowable total of [Redact] (an overage of [Redact] or [Redact]). |  |  |  | Reviewer Comment (2025-05-15): Client elected to waive the condition on the Non-QM 1st lien |  |  | 05/15/2025 | 2 B |  | [Redact] | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| [Redact] | 9146416 | [Redact] | [Redact] | 33397850 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-06-02): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-05-29): Collateral delivered on [Redact] via [Redact] tracking [Redact]. | 06/02/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | A |  | N/A | No |
| [Redact] | 9146434 | [Redact] | [Redact] | 33398238 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-05-29): Waived on Rate Lock: Collateral cleared by Custodian | 05/29/2025 |  |  | 1 A |  | [Redact] | Second Home | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9146434 | [Redact] | [Redact] | 33506611 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Mismatch of data related to Occupancy. |  | Subject property occupancy status is Second home however in the Initial and Final 1003 Section 5 Declaration question A. "Will you occupy the property as your primary residence?" marked as Yes. Provide a revised final 1003 |  |  |  | Reviewer Comment (2025-05-27): Revised 1003 provided<br>Seller Comment (2025-05-23): (Rate Lock) corrected 1003 | 05/27/2025 |  |  | 1 C A |  | [Redact] | Second Home | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9146434 | [Redact] | [Redact] | 33508962 |  | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity in Occupancy - Higher Priced as Primary | The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Second Home). If tested as primary residence, loan exceeds one or more HPML thresholds. Additional compliance testing required to determine if loan would be a compliant or non-compliant HPML. | The initial and final 1003 identified the borrower would occupy the subject as a primary residence. |  |  |  |  |  |  | 05/22/2025 | 2 B |  | [Redact] | Second Home | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9146450 | [Redact] | [Redact] | 33399179 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-05-29): Waived on Rate Lock: Collateral cleared by Custodian | 05/29/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9146450 | [Redact] | [Redact] | 33497911 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Title Preliminary not provided |  | The file is missing a copy of Title preliminary. |  |  |  | Reviewer Comment (2025-05-23): Title commitment provided<br>Seller Comment (2025-05-22): [Redact]: See attached title | 05/23/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9146450 | [Redact] | [Redact] | 33498019 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of [Redact] is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total [Redact] on a Federal Total Loan Amount of [Redact] vs. an investor allowable total of [Redact] (an overage of [Redact] or [Redact]). | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of [Redact] is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total [Redact] on a Federal Total Loan Amount of [Redact] vs. an investor allowable total of [Redact] |  |  |  | Reviewer Comment (2025-05-21): Client elected to waive the condition on the Non-QM 1st lien |  |  | 05/21/2025 | 2 B |  | [Redact] | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| [Redact] | 9146451 | [Redact] | [Redact] | 33399180 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-05-19): Waived on Rate Lock: Collateral cleared by Custodian | 05/19/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 9146451 | [Redact] | [Redact] | 33442651 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The commitment title report in file disclosed [Redact] of title insurance Coverage; however, this is less than the loan amount of [Redact] |  |  |  |  |  |  | 05/12/2025 | 2 B |  | [Redact] | Primary | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 9146451 | [Redact] | [Redact] | 33442693 |  | 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 [Redact] exceeds tolerance of [Redact]. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of [Redact] exceeds tolerance of [Redact]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-05-12): Sufficient Cure Provided At Closing |  | 05/12/2025 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [Redact] | 9146979 | [Redact] | [Redact] | 33402530 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-05-23): Waived on Rate Lock: Collateral cleared by Custodian | 05/23/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| [Redact] | 9146979 | [Redact] | [Redact] | 33411677 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Loan Underwriting and Transmittal Summary (1008) / MCAW not provided |  | The file is missing a copy of the required 1008 |  |  |  | Reviewer Comment (2025-05-08): Received Loan Underwriting and Transmittal Summary (1008). Exception Cleared.<br>Seller Comment (2025-05-07): 1008 | 05/08/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| [Redact] | 9146979 | [Redact] | [Redact] | 33411679 |  | Credit | Missing Document | General | Missing Document | Missing Document: Trust Agreement (Asset) not provided |  | The file is missing a copy of the trust agreement for the trust identified on the asset statements for the [Redact] account xx[Redact]. Per the guides, for trust accounts, the borrower(s) must be the only Guarantors and Trustees of the trust. The statement shows the borrower is the trustee but unable to determine if they are the only guarantors or trustees fo the trust. |  |  |  | Reviewer Comment (2025-05-08): Received Trust Agreement. Exception Cleared.<br>Seller Comment (2025-05-07): Trust | 05/08/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| [Redact] | 9146979 | [Redact] | [Redact] | 33411680 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - PUD not provided |  | The appraisal identified the subject as a PUD. The file is missing a copy of the PUD Rider attached to the Mortgage. Provide a copy of the PUD Rider and proof that the Mortgage will be re-recorded with the rider. If the subject is not a PUD, provide a revised appraisal correcting the property type. |  |  |  | Reviewer Comment (2025-05-28): Received re-recorded mortgage with riders. Exception Cleared.<br>Seller Comment (2025-05-28): Mortgage with PUD Rider and LOI | 05/28/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| [Redact] | 9146979 | [Redact] | [Redact] | 33534873 |  | Credit | Guideline | Guideline Issue | Guideline | Margin is ineligible per guidelines. |  | Upon further review, the guidelines state the allowable margin is 3.75% and the loan closed with a margin of 4.00%. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrower has verified disposable income of at least [Redact].<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 representative FICO score exceeds the guideline minimum by at least 40 points. | - 34.40% LTV is 45% below max (80%) | [Redact],Aggregator<br>[Redact]<br>[Redact]<br>[Redact]<br>[Redact] | Reviewer Comment (2025-05-30): Client elected to waive the condition with the following Compensating factors: <br> - 34.40% LTV is 45% below max (80%)<br> - [Redact] net monthly savings<br> - Credit Depth: 11-year mortgage history paid as agreed. |  |  | 05/30/2025 | 2 B |  | [Redact] | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| [Redact] | 9147316 | [Redact] | [Redact] | 33403816 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-05-29): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-05-28): Note Tracking- Proof of delivery [Redact]<br>Seller Comment (2025-05-28): Note Tracking [Redact] - Arrived [Redact] | 05/29/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| [Redact] | 9147316 | [Redact] | [Redact] | 33409241 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Loan Underwriting and Transmittal Summary (1008) / MCAW not provided |  | The file was missing a copy of loan underwriting and Transmittal summary (1008) |  |  |  | Reviewer Comment (2025-05-12): Received Loan Underwriting and Transmittal Summary (1008). Exception Cleared.<br>Seller Comment (2025-05-09): 1008 | 05/12/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| [Redact] | 9147316 | [Redact] | [Redact] | 33409249 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by [Redact]. Provide updated policy reflecting minimum coverage of [Redact] OR provide copy of insurer's replacement cost estimate supporting current coverage amount. |  |  |  | Reviewer Comment (2025-05-13): RCE provided<br>Seller Comment (2025-05-13): RCE | 05/13/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| [Redact] | 9152898 | [Redact] | [Redact] | 33416261 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-06-18): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-06-17): collateral delivered [Redact] via [Redact] tracking [Redact] | 06/18/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | A |  | N/A | No |
| [Redact] | 9152904 | [Redact] | [Redact] | 33417431 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-05-28): Waived on Rate Lock: Collateral cleared by Custodian | 05/28/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9153351 | [Redact] | [Redact] | 33420214 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-07-03): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-06-30): collateral delivered [Redact] via [Redact] tracking [Redact] | 07/03/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 9153351 | [Redact] | [Redact] | 33783621 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Title Preliminary not provided |  |  |  |  |  | Reviewer Comment (2025-06-27): Title commitment provided | 06/27/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 9153351 | [Redact] | [Redact] | 33783696 |  | Credit | Loan Package Documentation | Closing / Title | Title | Title: Evidence of title is missing |  | Title document was missing in the file. |  |  |  | Reviewer Comment (2025-06-27): Title commitment provided<br>Seller Comment (2025-06-27): preliminary title | 06/27/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 9153351 | [Redact] | [Redact] | 33783699 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | document was not provided in the file. |  |  |  | Reviewer Comment (2025-06-27): Title commitment provided | 06/27/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 9153351 | [Redact] | [Redact] | 33783700 |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  | Document was not provided in the file. |  |  |  | Reviewer Comment (2025-07-01): Lender provided documentation confirming the project is warrantable<br>Seller Comment (2025-06-30): condo | 07/01/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 9153351 | [Redact] | [Redact] | 33783701 |  | Credit | Missing Document | General | Missing Document | Missing Document: Condo/PUD Warranty not provided |  | Document was not provided in the file. |  |  |  | Reviewer Comment (2025-07-01): Lender provided documentation confirming the project is warrantable<br>Seller Comment (2025-06-30): doc doc uploaded to your site | 07/01/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 9153351 | [Redact] | [Redact] | 33783743 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  | Reviewer Comment (2025-06-27): Title commitment provided | 06/27/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 9153351 | [Redact] | [Redact] | 33786966 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  |  |  |  |  | Reviewer Comment (2025-07-13): Received tax certificate. Exception Cleared.<br>Seller Comment (2025-07-10): The 2024 bill shows the 1st installment tax bill calculated as 55% of the 2023 total tax; however, the 2023 tax bill confirms that the subject property had a homeowner's tax exemption for the seller which is not permitted for an investment property purchase. The subject property taxes were therefore conservatively calculated as 110% of the 2023 total tax before exemptions (55% for each of the 2 installments), or [Redact] \* 110% = [Redact] annually ([Redact] monthly.)<br>Reviewer Comment (2025-07-02): The tax cert provided does not identify the amount of taxes due or the next due. The title commitment verified taxes of [Redact] for the first installment of 2024 or [Redact] per month; however per the CD and DSCR worksheet, the lender qualified with taxes of [Redact] per month. Unable to determine the tax amount used to qualify. Condition remains<br>Seller Comment (2025-07-02): Please advise what you are looking for. The tax docs provided shows taxes are due to [Redact] Tax Collector.<br>Reviewer Comment (2025-06-27): Tax cert provided does not identify the taxes. Condition remains<br>Seller Comment (2025-06-27): tax cert | 07/13/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 9154411 | [Redact] | [Redact] | 33425929 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-06-11): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-06-10): Collateral delivered on [Redact] via [Redact] tracking number [Redact] | 06/11/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | A |  | N/A | No |
| [Redact] | 9154415 | [Redact] | [Redact] | 33426196 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-05-21): Waived on Rate Lock: Collateral cleared by Custodian | 05/21/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 9154415 | [Redact] | [Redact] | 33470201 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification of appraisal was delivered to borrower was not provided |  |  |  |  |  |  | 05/16/2025 | 2 B |  | [Redact] | Primary | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 9154415 | [Redact] | [Redact] | 33473006 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of [Redact] is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total [Redact] on a Federal Total Loan Amount of [Redact] vs. an investor allowable total of [Redact] (an overage of [Redact] or [Redact]). |  |  |  |  | Reviewer Comment (2025-05-16): Client elected to waive the condition on the Non-QM 1st lien |  |  | 05/16/2025 | 2 B |  | [Redact] | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| [Redact] | 9135952 | [Redact] |  | 33440265 |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. |  | Representative FICO score of 576 is less than Guideline representative FICO score of 700. |  |  |  | Reviewer Comment (2025-05-14): Credit report dated prior to closing provided<br>Seller Comment (2025-05-13): Credit report used to qualify for the loan has been uploaded | 05/14/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| [Redact] | 9135952 | [Redact] |  | 33440266 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage insufficient by [Redact]. Provide updated policy reflecting minimum coverage of [Redact] OR provide copy of insurer's replacement cost estimate supporting current coverage amount. |  |  |  | Reviewer Comment (2025-05-19): Received Replacement Cost Estimate. Exception Cleared.<br>Seller Comment (2025-05-16): RCE uploaded<br>Reviewer Comment (2025-05-15): RCE provided not for subject address. Exception Remains.<br>Seller Comment (2025-05-15): RCE uploaded | 05/19/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| [Redact] | 9136010 | [Redact] |  | 33468107 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  | 05/15/2025 | 2 B |  | [Redact] | Investment | Purchase | C B A |  | N/A | No |
| [Redact] | 9136010 | [Redact] |  | 33468130 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by [Redact]. Provide updated policy reflecting minimum coverage of [Redact] OR provide copy of insurer's replacement cost estimate supporting current coverage amount. |  |  |  | Reviewer Comment (2025-05-19): Received Replacement Cost Estimate. Exception Cleared.<br>Seller Comment (2025-05-16): RCE uploaded | 05/19/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A |  | N/A | No |
| [Redact] | 9136025 | [Redact] |  | 33475063 |  | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. |  | Per the guidelines, 2 months statements are required. The file only contained 1 month with an end date of [Redact]. |  |  |  | Reviewer Comment (2025-05-20): Received bank statement. Exception Cleared.<br>Seller Comment (2025-05-20): [Redact] to [Redact] - [Redact] #[Redact] - uplaoded<br>Seller Comment (2025-05-20): [Redact] satement | 05/20/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| [Redact] | 9157022 | [Redact] | [Redact] | 33437459 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-05-30): Waived on Rate Lock: Collateral cleared by Custodian | 05/30/2025 |  |  | 1 A |  | [Redact] | Second Home | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| [Redact] | 9157022 | [Redact] | [Redact] | 33523187 |  | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds for the Initial Purchase not provided |  | The loan is a delayed financing refinance. Proof of funds used to purchase the property were not located in the file. |  |  |  | Reviewer Comment (2025-05-30): Source of funds for purchase provided<br>Seller Comment (2025-05-29): Source of funds for cash purchase of subject property and CD | 05/30/2025 |  |  | 1 C A |  | [Redact] | Second Home | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| [Redact] | 9158960 | [Redact] | [Redact] | 33444584 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-05-29): Waived on Rate Lock: Collateral cleared by Custodian | 05/29/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9160224 | [Redact] | [Redact] | 33448864 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-05-29): Waived on Rate Lock: Collateral cleared by Custodian | 05/29/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 9160224 | [Redact] | [Redact] | 33513678 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of [Redact] is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total [Redact] on a Federal Total Loan Amount of [Redact] vs. an investor allowable total of [Redact] (an overage of [Redact] or [Redact]). |  |  |  |  | Reviewer Comment (2025-05-27): Client elected to waive the condition on the Non-QM 1st lien |  |  | 05/27/2025 | 2 B |  | [Redact] | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| [Redact] | 9160224 | [Redact] | [Redact] | 33513689 |  | 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 [Redact] exceeds tolerance of [Redact]. Sufficient or excess cure was provided to the borrower at Closing. | A valid change of circumstance is not provided for disclosure of new fee and no evidence of tolerance cure provided. |  |  |  | Reviewer Comment (2025-05-23): Sufficient Cure Provided At Closing |  | 05/23/2025 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [Redact] | 9160224 | [Redact] | [Redact] | 33513690 |  | 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 [Redact] exceeds tolerance of [Redact]. Sufficient or excess cure was provided to the borrower at Closing. | A valid change of circumstance is not provided for disclosure of new fee and no evidence of tolerance cure provided. |  |  |  | Reviewer Comment (2025-05-23): Sufficient Cure Provided At Closing |  | 05/23/2025 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [Redact] | 9160482 | [Redact] | [Redact] | 33451271 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-06-27): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-06-23): Per [Redact] tracking [Redact], the collateral was delivered on [Redact] at 8:48 am. | 06/27/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| [Redact] | 9160482 | [Redact] | [Redact] | 33715203 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | The appraisal does not show the property is Tenant Occupied or Vacant and thus casts doubt on the business purpose of the loan. |  | The appraisal indicates that the property is owner occupied. An updated appraisal is required. |  |  |  | Reviewer Comment (2025-06-24): Appraiser addressed the occupancy which coincides with the borrower's letter of explanation.<br>Seller Comment (2025-06-24): The appraiser addressed this in the commentary addendum. Since the occupancy was owner occupied on the effective date the appraiser is unable to change the occupancy. | 06/24/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| [Redact] | 9165532 | [Redact] | [Redact] | 33454708 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-06-23): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-06-18): Collateral delivered on [Redact] via [Redact] tracking number [Redact] | 06/23/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 9165532 | [Redact] | [Redact] | 33618146 |  | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | Copy of Evidence of Access to Funds is not available in file. Assets used to qualify in account xx[Redact] were from an account not in the borrower's name. The account was in the borrower's spouses name. |  |  |  | Reviewer Comment (2025-07-01): Received additional bank statements. Exception Cleared.<br>Seller Comment (2025-06-30): In lieu of the joint asset letter, we have provided 2 months bank statements in the borrower's individual name.<br>Reviewer Comment (2025-06-23): The condition is valid. The borrower is not a joint owner of the checking account xx[Redact]. Per the guidelines, a non-borrowing spouse can be on title and the purchase contract and not be on the mortgage loan. The spouse can provide funds used for closing with the guidance below: 1 Provide letter from the spouse to indicate this is their contribution to the purchase transaction. 2. State it does not represent a loan to the borrower and no repayment is required. 3. Include on application as other assets. 4. Verify funds are available; do not need to source. 5. Verify the money came from the spouse. There is no letter from the spouse in file to meet the guideline requirements. Condition is valid and remains open<br>Seller Comment (2025-06-20): UW response: We should not need a letter of explanation if we are following the non-purchasing spouse guidance.<br>Reviewer Comment (2025-06-16): Required Lox from non-borrower stating borrower has full access to funds. Exception Remains.<br>Seller Comment (2025-06-16): UW explanation: The spouse is on both the purchase contract and title, and while not on the loan, they have an ownership interest in the property. The [Redact] product is silent on this scenario, so we can default to Fannie Mae, which allows funds from a non-borrowing spouse with vested interest to be used in the transaction. | 07/01/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 9162979 | [Redact] | [Redact] | 33456210 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-06-04): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-06-03): collateral delivered [Redact] via [Redact] tracking [Redact] | 06/04/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 9162979 | [Redact] | [Redact] | 33542678 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Verification of Identification not provided |  | The file was missing a copy of the Verification of Identification. |  |  |  | Reviewer Comment (2025-06-09): Received Driver License. Exception Cleared.<br>Seller Comment (2025-06-09): DL | 06/09/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 9162979 | [Redact] | [Redact] | 33543299 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  | The tax certificate used to qualify the borrower is missing in the file the title shows the annual taxes as [Redact], the final 1008 shows the monthly taxes as [Redact] monthly. |  |  |  | Reviewer Comment (2025-06-10): Received tax certificate. Exception Cleared.<br>Seller Comment (2025-06-10): [Redact] fees | 06/10/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 9162978 | [Redact] | [Redact] | 33456281 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-05-29): Waived on Rate Lock: Collateral cleared by Custodian | 05/29/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | A | Non QM | Non QM | No |
| [Redact] | 9162978 | [Redact] | [Redact] | 33513286 |  | 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 [Redact] exceeds tolerance of [Redact]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-05-23): Sufficient Cure Provided At Closing |  | 05/23/2025 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| [Redact] | 9153165 | [Redact] |  | 33501278 |  | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. |  | Per the guidelines, 2 months statements are required. The file only contained 1 month with an end date of [Redact]. Note: the statement in file dated [Redact]-[Redact] only contained page 1 of 6. Provide a complete copy of the [Redact] statement and another months consecutive statement to meet the guideline requirements. |  |  |  | Reviewer Comment (2025-05-30): Received 2 months consecutive bank statements. Exception Cleared.<br>Seller Comment (2025-05-29): [Redact] and [Redact] bank statements uploaded | 05/30/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Limited Cash-out GSE | C B A |  | N/A | No |
| [Redact] | 9153165 | [Redact] |  | 33501285 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed [Redact] of title insurance coverage, however this is less than the loan amount of [Redact]. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  |  |  |  | 05/22/2025 | 2 B |  | [Redact] | Investment | Refinance - Limited Cash-out GSE | C B A |  | N/A | No |
| [Redact] | 9153196 | [Redact] |  | 33517221 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by [Redact]. Provide updated policy reflecting minimum coverage of [Redact] OR<br> provide copy of insurer's replacement cost estimate supporting current coverage amount. |  |  |  | Reviewer Comment (2025-06-02): Received RCE. Exception Cleared.<br>Seller Comment (2025-06-02): RCE attached | 06/02/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redact] | 9166201 | [Redact] | [Redact] | 33474825 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-06-11): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-06-06): (Rate Lock) [Redact] | 06/11/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9166201 | [Redact] | [Redact] | 33582040 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  |  |  |  | 06/05/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9166226 | [Redact] | [Redact] | 33476699 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-06-30): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-06-23): (Rate Lock) [Redact] | 06/30/2025 |  |  | 1 A |  | [Redact] | Second Home | Purchase | A | Non QM | Non QM | No |
| [Redact] | 9166226 | [Redact] | [Redact] | 33705222 |  | 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 [Redact] exceeds tolerance of [Redact]. Sufficient or excess cure was provided to the borrower at Closing. | The Appraisal Fee was last disclosed as [Redact] on Loan Estimate, then disclosed as [Redact] on Final Closing Disclosure dated [Redact]. However there was a lender credit to cover the cost to cure. |  |  |  | Reviewer Comment (2025-06-19): Sufficient Cure Provided At Closing |  | 06/19/2025 |  | 1 A |  | [Redact] | Second Home | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| [Redact] | 9166226 | [Redact] | [Redact] | 33705223 |  | 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 [Redact] exceeds tolerance of [Redact]. Sufficient or excess cure was provided to the borrower at Closing. | The Second Appraisal Fee was last disclosed as [Redact] on Loan Estimate, then disclosed as [Redact] on Final Closing Disclosure dated [Redact]. However there was a lender credit to cover the cost to cure. |  |  |  | Reviewer Comment (2025-06-19): Sufficient Cure Provided At Closing |  | 06/19/2025 |  | 1 A |  | [Redact] | Second Home | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| [Redact] | 9169280 | [Redact] | [Redact] | 33492587 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-07-14): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-07-11): Collateral delivered on [Redact] via [Redact] tracking number [Redact] | 07/14/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | B A |  | N/A | No |
| [Redact] | 9169280 | [Redact] | [Redact] | 33891659 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 07/10/2025 | 2 B |  | [Redact] | Investment | Purchase | B A |  | N/A | No |
| [Redact] | 9171600 | [Redact] | [Redact] | 33498708 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-07-14): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-07-08): (Rate Lock) [Redact] | 07/14/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9171895 | [Redact] | [Redact] | 33501251 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-06-11): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-06-04): (Rate Lock) [Redact] | 06/11/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9171895 | [Redact] | [Redact] | 33544201 |  | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of [Redact] is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and [Redact] (2025). FNMA Finance Charge total [Redact] on a Original Loan Amount of [Redact] vs. an allowable total of [Redact] and [Redact] (2025) (an overage of [Redact] or [Redact]). | FNMA Points and Fees on subject loan of [Redact] is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and [Redact] (2025). FNMA Finance Charge total [Redact] on a Original Loan Amount of [Redact] vs. an allowable total of [Redact] and [Redact] (2025) (an overage of [Redact] or [Redact]). |  |  |  | Reviewer Comment (2025-05-30): Client elected to waive the condition on the Non-QM 1st lien |  |  | 05/30/2025 | 2 B |  | [Redact] | Investment | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Exempt from ATR | Exempt from ATR | Yes |
| [Redact] | 9173438 | [Redact] | [Redact] | 33506380 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-06-11): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-06-10): Collateral delivered on [Redact] via [Redact] tracking number [Redact] | 06/11/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 9173438 | [Redact] | [Redact] | 33599460 |  | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Rider - Other not provided |  | The file was missing a copy of the Rider - Licensee Info or Affidavit. |  |  |  | Reviewer Comment (2025-06-10): Received Rider. Exception Cleared.<br>Seller Comment (2025-06-10): Please see attached mortgage and riders | 06/10/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 9173453 | [Redact] | [Redact] | 33506832 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-06-26): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-06-25): Is anything additional needed on this one?<br>Seller Comment (2025-06-17): Collateral delivered on [Redact] via [Redact] tracking number [Redact] | 06/26/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | A |  | N/A | No |
| [Redact] | 9173453 | [Redact] | [Redact] | 33706124 |  | Credit | Collateral | Missing/Incorrect | Collateral | Collateral report shows issues with Note. |  | Monthly P\&I does not agree with Schedule SCH: [Redact] NOTE:[Redact] more info here |  |  |  | Buyer Comment (2025-06-26): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-06-25): Is anything additional needed on this one?<br>Seller Comment (2025-06-20): Please match the scheduled to the Note. | 06/26/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | A |  | N/A | No |
| [Redact] | 9173969 | [Redact] | [Redact] | 33508676 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-06-24): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-06-17): (Rate Lock) [Redact] | 06/24/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | A | Non QM | Non QM | No |
| [Redact] | 9131275 | [Redact] |  | 33509004 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  | Tax Cert was not provided. |  |  |  | Reviewer Comment (2025-03-20): Received Tax certificate. exception cleared.<br>Buyer Comment (2025-03-20): Tax Cert<br>Reviewer Comment (2025-03-11): Tax cert provided in file is not for the subject property. require tax certificate for the subject address. exception remains.<br>Buyer Comment (2025-03-11): Tax Cert | 03/20/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 9131284 | [Redact] |  | 33509009 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  |  |  |  |  | Reviewer Comment (2025-03-26): Received Final Title Policy. exception cleared.<br>Buyer Comment (2025-03-24): Title | 03/26/2025 |  |  | 1 B A |  | [Redact] | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| [Redact] | 9131283 | [Redact] |  | 33509013 |  | Credit | Credit | Credit Documentation | Guideline | The Verification of Rent (VOR) / Verification of Mortgage (VOM) is required and was not found in file. |  | Need verification that primary housing payment due [Redact] to [Redact] was paid within month due. |  |  |  | Reviewer Comment (2025-03-27): Noted. VOM / Mortgage Refresh Enhanced received confirming Mortgage paid until [Redact] and DLA as [Redact]. Exception Cleared.<br>Buyer Comment (2025-03-26): Mortgage Payments | 03/27/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| [Redact] | 9131285 | [Redact] |  | 33509020 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing Lease Agreement for Verification of Rent for [Redact]. Payments from [Redact] to [Redact]. |  |  |  | Reviewer Comment (2025-04-02): Lease Credit supplement confirm Rent payment for [Redact] from last 24 Months. Exception Cleared<br>Buyer Comment (2025-04-02): VOR<br>Reviewer Comment (2025-03-27): Noted. Received History of rent paid however History is until [Redact]. Required VOR for recent 24 months. Exception remains.<br>Buyer Comment (2025-03-26): vor | 04/02/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9131289 | [Redact] |  | 33509021 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Require verification of employment for borrower [Redact] business "[Redact]" within 10 business day of note date per guide. |  |  |  | Reviewer Comment (2025-04-04): Brandways Verification dated [Redact] provided in the file. Exception Cleared<br>Buyer Comment (2025-04-04): 3rd party verification | 04/04/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 9131289 | [Redact] |  | 33509023 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | Review DTI is 42.03194% vs approved DTI of 34.29900%. Due to use of B1 ([Redact]) YTD P&L as most conservative approach which does not include historical W2 earnings (no YTD pay stub and wages not broken out on the P&L) This is informational and may cleared upon request as it affects LLP. |  |  |  | Reviewer Comment (2025-03-26): Cleared per request. | 03/26/2025 |  |  | 1 B A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 9131290 | [Redact] |  | 33509024 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Supporting document is missing for additional payment amount of [Redact] on primary residence. |  |  |  | Reviewer Comment (2025-04-08): Received updated 1008/1003 without other payment as it is added incorrectly. Exception Cleared<br>Buyer Comment (2025-04-08): LOX and 1003 | 04/08/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 9131291 | [Redact] |  | 33509025 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Mortgage Statement is missing to verify escrows are included in the monthly payment. |  |  |  | Reviewer Comment (2025-04-04): Received Mortgage statement. Confirms payment is escrowed Exception Cleared<br>Buyer Comment (2025-04-04): CD<br>Buyer Comment (2025-04-04): CD & SS | 04/04/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 9131291 | [Redact] |  | 33509026 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided |  | 1031 Exchange Agreement was not provided. |  |  |  | Reviewer Comment (2025-04-10): Received wire Copy of 1031 net proceed transferred for subject closing. Excleared<br>Buyer Comment (2025-04-09): check<br>Reviewer Comment (2025-04-07): Received Closing statement For sold property, however Still Require wire copy or Deposit received receipt of proceed [Redact]. Exception Remains<br>Buyer Comment (2025-04-04): SS<br>Buyer Comment (2025-04-04): CD | 04/10/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 9080787 | [Redact] |  | 33509030 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-04-15): Noted. CDA received. Appraisal form1025 reflects address as [Redact] and CDA reflects [Redact] . Accepted as the property is a multi unit property. Supported with rent comparable. Exception Cleared.<br>Buyer Comment (2025-04-13): CDA | 04/15/2025 |  |  | 1 D A |  | [Redact] | Investment | Refinance - Limited Cash-out GSE | D B C A | Non QM | N/A | No |
| [Redact] | 9080787 | [Redact] |  | 33509031 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by [Redact]. Provide updated policy reflecting minimum coverage of [Redact] OR provide copy of insurer's replacement cost estimate supporting current coverage amount. |  |  |  | Reviewer Comment (2025-04-21): Received RCE. Exception Cleared<br>Buyer Comment (2025-04-18): RCE | 04/21/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Limited Cash-out GSE | D B C A | Non QM | N/A | No |
| [Redact] | 9080787 | [Redact] |  | 33509032 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Loan Underwriting and Transmittal Summary (1008) / MCAW not provided |  | 1008 /approval provided in file has incorrect loan Amount, LTV Ratio discrepancy. |  |  |  | Reviewer Comment (2025-04-15): Noted. Updated 1008 received with corrected Loan amount and LTV ratios. Exception Cleared.<br>Buyer Comment (2025-04-13): Updated 1008 w/Loan amt [Redact] | 04/15/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Limited Cash-out GSE | D B C A | Non QM | N/A | No |
| [Redact] | 9080787 | [Redact] |  | 33509033 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | subject property is currently listed for sale on a refinance, which is ineligible | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least [Redact].<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more.<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. |  | [Redact]<br>[Redact]<br>[Redact]<br>[Redact]<br>[Redact]<br>[Redact]<br>[Redact] | Reviewer Comment (2025-05-08): Investor exception provided. Comp factors: Residual income [Redact], 20.45 months reserves, LTV 68% where 80% is the maximum, DTI is 25% where 50% is the max.<br>Buyer Comment (2025-05-07): investor exception approval<br>Reviewer Comment (2025-05-01): Lender provided [Redact] and [Redact] details showing listing off the market, however the document dated is post close. The borrower provided a post close LOX dated [Redact] (closing date was [Redact]) stating the listing expired and should have been cancelled. Provide proof property was de-listed prior to the date of closing as required per the guidelines.<br>Buyer Comment (2025-04-29): Listings<br>Reviewer Comment (2025-04-28): Require property page with Multiple Listing Service (MLS), current status of the property, including if it's been cancelled or sold. there is listing agreement with [Redact] and Seller ([Redact]). unable to confirm whether listing have been cancelled/terminated. Exception remains.<br>Buyer Comment (2025-04-24): LOE<br>Reviewer Comment (2025-04-23): Received Listing agreement 1st page only with termination of listing period to [Redact], Require Complete Signed listing Agreement to verify authentication of document. Exception Remains<br>Buyer Comment (2025-04-22): Termination of contract [Redact] |  |  | 05/08/2025 | 2 B |  | [Redact] | Investment | Refinance - Limited Cash-out GSE | D B C A | Non QM | N/A | No |
| [Redact] | 9108215 | [Redact] |  | 33509042 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Business Narrative is missing. |  |  |  | Reviewer Comment (2025-04-30): Business Narrative is provided in file with type of business and number of employees reflecting. Exception Cleared<br>Buyer Comment (2025-04-29): Business narrative | 04/30/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9108215 | [Redact] |  | 33509048 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Hazard insurance coverage amount is insufficient. Coverage amount required to cover the lesser of the Replacement Cost or the Loan amount per guidelines. | Coverage: ___; Extended Replacement Coverage: ___;<br> Loan Amount: ___;<br> Cost New: ___ | Replacement cost source not provided, need to clarify replacement cost from an acceptable source. |  |  |  | Reviewer Comment (2025-04-30): Replacement cost is provided in file of [Redact], there is no coverage shortfall on insurance tab. Exception cleared<br>Buyer Comment (2025-04-29): RCE | 04/30/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9108215 | [Redact] |  | 33509049 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Final CD section H reflects an escrow pad. Escrow Holdback not allowed. Any inadequacies determined by the appraisal must<br> be remediated prior to closing. |  |  |  | Reviewer Comment (2025-05-01): PCCD provided. This is a TC fee not a holdback.<br>Buyer Comment (2025-05-01): Per Lender : LOE - THIS IS NOT A PAD IT IS A TC FEE, PC ALSO REFLECTS THAT FEE, I HAVE ATTACHED THE PCCD AGAIN ALONG WITH THE PC THAT SHOWS THE [Redact] TC FE<br>Reviewer Comment (2025-04-30): Provided PCCD reflects TC Fee in CD section H, however escrow holdback not allowed as per guidelines. Exception remains<br>Buyer Comment (2025-04-28): LOX<br>Buyer Comment (2025-04-28): pccd LOE - no pad Fee in section H PCCD attached again for review. | 05/01/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9081464 | [Redact] |  | 33509051 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Require business narrative is required from the borrower to describe the type of business and number of employees |  |  |  | Reviewer Comment (2025-04-28): Noted. Business Narrative received confirming the nature of work and number of employees. Exception cleared.<br>Buyer Comment (2025-04-25): Narrative | 04/28/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9081464 | [Redact] |  | 33509052 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of [Redact] is in excess of the investor allowable maximum of the greater of [Redact] of the Federal Total Loan Amount and [Redact] (2025). Points and Fees total [Redact] on a Federal Total Loan Amount of [Redact] vs. an investor allowable total of [Redact] and [Redact] (2025) (an overage of [Redact] or [Redact]). | This an informational Ev2 and may be waived. |  |  |  | Buyer Comment (2025-04-23): Acknowledged non material |  |  | 04/23/2025 | 2 B |  | [Redact] | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| [Redact] | 9081464 | [Redact] |  | 33509056 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Third Party Verification provided is dated [Redact] and is not within 10 business days of the Note date [Redact]. |  |  |  | Reviewer Comment (2025-05-06): Received Business invoices within 10 days of closing date. Exception Cleared<br>Buyer Comment (2025-05-02): Business receipts<br>Reviewer Comment (2025-04-28): Noted. Received CPA letter and Business website dated [Redact]. which is not within 10 days of Closing date of [Redact]. As per Guideline Verification is required with one of the following: 1) Evidence of current work (executed contracts or signed invoices). 2) Evidence of current business receipts. 3) Business website demonstrating activity supporting current business operations. Exception Remains<br>Buyer Comment (2025-04-25): CPA letter and current web site<br>Reviewer Comment (2025-04-25): Received Business website dated [Redact]. which is not within 10 days of Closing date of [Redact]. As per Guideline Verification is required with one of the following: 1) Evidence of current work (executed contracts or signed invoices). 2) Evidence of current business receipts. 3) Business website demonstrating activity supporting current business operations. Exception Remains<br>Buyer Comment (2025-04-23): Updated - Third Party Verification provided is dated [Redact] and is not within 10 business days of the Note date [Redact]. Verification is required with one of the following: 1) Evidence of current work (executed contracts or signed invoices). 2) Evidence of current business receipts. 3) Business website demonstrating activity supporting current business operations. | 05/06/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9111617 | [Redact] |  | 33509064 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - ___ | 1) Business narrative does not address number of employees. |  |  |  | Reviewer Comment (2025-05-02): Updated business narrative provided.<br>Buyer Comment (2025-04-30): Business Narrative | 05/02/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | A | Non QM | Non QM | No |
| [Redact] | 9111617 | [Redact] |  | 33509065 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender requested exception based on: DTI discrepancy, lender calculated using IO payment with DTI of 10.223% versus review using fully amortized payment at the greater of the fully indexed or the note rate, to repay the loan over the remaining term after the I/O period DTI of 13.87277%. Variance > 3%. |  |  |  | Reviewer Comment (2025-05-02): Within tolerance.<br>Reviewer Comment (2025-05-02): Received updated 1008 however Lender using Lower P&I then Reviewed P&I for interest only. Lender used [Redact] and Reviewed P&I is [Redact] using fully amortized payment at the greater of the fully indexed or the note rate, to repay the loan over the remaining term after the I/O period DTI. Exception Remains<br>Buyer Comment (2025-04-30): 1008<br>Buyer Comment (2025-04-30): URLA | 05/02/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | A | Non QM | Non QM | No |
| [Redact] | 9102222 | [Redact] |  | 33509069 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Loan Underwriting and Transmittal Summary (1008) / MCAW not provided |  | Required corrected 1008 with correct loan amount to match the LTV/CLTV/HCLTV ratio. |  |  |  | Reviewer Comment (2025-05-07): Received updated 1008 with corrected Loan amount, DTI and LTV/CLTV/HCLTV. Exception Cleared<br>Buyer Comment (2025-05-05): 1008 | 05/07/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Rate/Term | C B A | N/A | N/A | No |
| [Redact] | 9102222 | [Redact] |  | 33509070 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Appraisal was provided [Redact] that is not three days prior to closing on [Redact]. |  |  |  | Buyer Comment (2025-05-05): Timing waiver in file per exception. Earlier delivery not provided/possible. Acknowledged non material EV2. |  |  | 05/05/2025 | 2 B |  | [Redact] | Investment | Refinance - Rate/Term | C B A | N/A | N/A | No |
| [Redact] | 9085837 | [Redact] |  | 33509104 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Occupant status reflects as Owner for refinance - investment transaction on page 1 on appraisal report however lease agreement in file shows property lease started from [Redact]. |  |  |  | Reviewer Comment (2025-04-25): Received updated 1004 with correction in Occupancy to Tenant. Exception Cleared<br>Buyer Comment (2025-04-23): Appraisal Occupancy Tenant<br>Reviewer Comment (2025-04-23): Received management experience LOX, however subject property appraisal noted Occupancy Owner where as Subject transaction is Investment refinance and lease started from [Redact]. it must be Tenant Occupied. Exception Remains<br>Buyer Comment (2025-04-21): see lox | 04/25/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redact] | 9085837 | [Redact] |  | 33509105 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Require current lease must be supported with two most recent bank statements showing consecutive rental payments |  |  |  | Reviewer Comment (2025-04-30): Received Bank statement for [Redact]. Also deposit check received for [Redact]. [Redact] and [Redact] along with clarification on the deposit reflecting on the bank statement for the respective month. Lender has confirmed that borrower has made additional deposit along with the rental deposit due to which the rent deposit amount does not match with the deposit on the statement for the respective months. Exception cleared.<br>Buyer Comment (2025-04-28): Attached Chase Statement #[Redact] [Redact]-[Redact]<br>Reviewer Comment (2025-04-22): Provided bank statement is of [Redact] and [Redact] month, required two most recent bank statements showing consecutive rental payments. ([Redact] statement reflecting rental payment) Exception remains.<br>Buyer Comment (2025-04-21): Attached LOE with copies of rent checks / invoice in lieu of (partial rent) | 04/30/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redact] | 9085837 | [Redact] |  | 33509107 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | 1) Provide letter of explanation regarding B1 relevant real estate experience. Must have a minimum of 12 months ownership and management of income-producing residential or commercial real estate within the past 24 months |  |  |  | Reviewer Comment (2025-04-25): Received LOX from Borrower confirming Experience of rent properties since 2019. Exception Cleared<br>Buyer Comment (2025-04-23): LOX real estate experience | 04/25/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redact] | 9176101 | [Redact] | [Redact] | 33520843 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-07-03): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-06-30): Collateral delivered on [Redact] via [Redact] tracking number [Redact] | 07/03/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | A |  | N/A | No |
| [Redact] | 9178206 | [Redact] | [Redact] | 33529024 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-07-11): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-07-09): collateral delivered [Redact] via [Redact] tracking [Redact] | 07/11/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | A |  | N/A | No |
| [Redact] | 9075122 | [Redact] |  | 33535896 |  | Credit | Missing Document | General | Missing Document | Missing Document: Trust Agreement (Asset) not provided |  | Require Trust Agreement for all trust assets used to qualify. |  |  |  | Reviewer Comment (2025-05-09): Received Trust agreement for Trust account 6349 along with updated 1003/1008 with using 6349 only account for asset qualification. Other trust account excludes from testing. Exception Cleared<br>Buyer Comment (2025-05-08): Trust cert<br>Buyer Comment (2025-05-08): 1008<br>Buyer Comment (2025-05-08): 1003<br>Reviewer Comment (2025-05-01): Received lender LOX noted no Trust agreement require, however Trust funds used for qualification Trust agreement must require to confirm evidence of access of Trust funds. Exception Remains<br>Buyer Comment (2025-04-29): Per Lender: Removed the family trust from 1003 - please see attached 1003 added [Redact]<br>Reviewer Comment (2025-04-29): Require trust agreement "[Redact]" to evidence borrower has access to trust funds. exception remains.<br>Buyer Comment (2025-04-25): 1003<br>Reviewer Comment (2025-04-22): Full Copy of Signed Trust agreement Require. Exception Remains<br>Buyer Comment (2025-04-21): per lender: Will a filled out and signed trust cert work for this condition or do you need a full copy of the trust?<br>Reviewer Comment (2025-04-15): Received lender LOX noted no Trust agreement require, however Trust funds used for qualification Trust agreement must require to confirm evidence of access of Trust funds. Exception Remains<br>Buyer Comment (2025-04-14): LOX | 05/09/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| [Redact] | 9075122 | [Redact] |  | 33535899 |  | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. |  | Appraisal report & CDA shows property address "[Redact]" different from Note address "[Redact]" |  |  |  | Reviewer Comment (2025-04-17): Appraisal and Flood cert reflect street and APN and legal are correct Mailing or situs address omission with LOX is noted for the sufffix<br>Buyer Comment (2025-04-15): Per lender : Please see address affidavit attached | 04/17/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| [Redact] | 9075122 | [Redact] |  | 33535900 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  | Require updated tax certificate. lender used annual tax of [Redact]. |  |  |  | Reviewer Comment (2025-04-16): Noted. Tax Cert received and uploaded accordingly. Exception cleared.<br>Buyer Comment (2025-04-16): Per lender : Please see tax cert signed at closing attached<br>Reviewer Comment (2025-04-15): Provided tax cert does not support lender used annual tax of [Redact] additionally other property address noted [Redact]. Exception Remains<br>Buyer Comment (2025-04-14): Taxes<br>Buyer Comment (2025-04-14): tax | 04/16/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| [Redact] | 9075122 | [Redact] |  | 33535901 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Assignment type on appraisal report in file shows purchase, subject transaction is delayed purchase refinance, appraisal should be updated. |  |  |  | Reviewer Comment (2025-04-18): Accepted.<br>Buyer Comment (2025-04-18): We would Follow FNMA Use of an Appraisal for a Subsequent Transaction: B4-1.2-04, Appraisal Age and Use Requirements <br> Fannie Mae will allow the use of an origination appraisal for a subsequent transaction if the following requirements are met:<br>The subsequent transaction may only be a limited cash-out refinance.<br>The age of the appraisal report must be less than 12 months from the note date of the subsequent transaction. If the appraisal report is greater than four months from the date of the note and mortgage, then an appraisal update is required. See preceding section, Age of Appraisal and Appraisal Update Requirements, for requirements for completing an appraisal update.<br>The lender must ensure that the property has not undergone any significant remodeling, renovation, or deterioration to the extent that the improvement or deterioration of the property would materially affect the market value of the subject property.<br>The borrower and the lender/client must be the same on the original and subsequent transaction.<br>Note: The appraisal must comply with all other requirements in the Underwriting Property section of the Selling Guide.<br>Reviewer Comment (2025-04-17): Client/investor to confirm if this requirement is needed.<br>Buyer Comment (2025-04-15): LOX | 04/18/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| [Redact] | 9075122 | [Redact] |  | 33535902 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | A business narrative for "[Redact]" " [Redact]" "[Redact]" "[Redact]" "[Redact]" & "[Redact]" required from the both the borrowers to describe the type of business and number of employees AND Require all business Business SOS search with pull date stamp on document. |  |  |  | Reviewer Comment (2025-05-09): Received Signed Business Narrative for six business along with number of employee. Additionally SOS Search received with document date. Exception Cleared<br>Buyer Comment (2025-05-07): Business Narrative and employee count<br>Reviewer Comment (2025-04-16): Noted. We need Business Narrative that reflects the nature of the business along with the number of employees employed for the business "[Redact]" " [Redact]" "[Redact]" "[Redact]" "[Redact]" & "[Redact]" required from the both the borrowers to describe the type of business and number of employees AND Require all business Business SOS search with pull date stamp on document. Exception remains<br>Buyer Comment (2025-04-15): CPA letter, Business narrative not provided<br>Buyer Comment (2025-04-15): UW lox | 05/09/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| [Redact] | 9123862 | [Redact] |  | 33535933 |  | 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. | 3 day provided however a waiver was not. |  |  |  | Reviewer Comment (2025-05-15): Received Original Appraisal report. Exception Cleared<br>Buyer Comment (2025-05-14): Original appraisal<br>Reviewer Comment (2025-05-12): Per appraisal delivery evidence report delivered on [Redact] where provided appraisal report dated [Redact] which is after the delivery date require Original appraisal report which sent on [Redact]. Exception Remains<br>Buyer Comment (2025-05-08): Appraisal delivery<br>Buyer Comment (2025-05-08): Appraisal acknowledgement | 05/15/2025 |  |  | 1 B A |  | [Redact] | Investment | Purchase | C A B | Non QM | N/A | No |
| [Redact] | 9123862 | [Redact] |  | 33535934 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Primary Residence [Redact] is missing the [Redact] payment |  |  |  | Reviewer Comment (2025-05-12): Credit supplement received confirming mortgage payment is made until [Redact]. Exception cleared.<br>Buyer Comment (2025-05-09): Supplement shows next payment due [Redact] with no lates | 05/12/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A B | Non QM | N/A | No |
| [Redact] | 9121987 | [Redact] |  | 33535938 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of [Redact] is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total [Redact] on a Federal Total Loan Amount of [Redact] vs. an investor allowable total of [Redact] (an overage of [Redact] or [Redact]). | Non-QM designation. This is an EV2 informational exception and may be waived. |  |  |  | Buyer Comment (2025-05-07): Acknowledged non material |  |  | 05/07/2025 | 2 B |  | [Redact] | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| [Redact] | 9121987 | [Redact] |  | 33535942 |  | 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 [Redact] exceeds tolerance of [Redact]. Insufficient or no cure was provided to the borrower. | Missing a valid Change of Circumstance for the increase in Collateral Desktop Analysis Fee. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-05-14): [Redact] Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-05-13): Per Lender - [Redact] has package, eta [Redact]. Please re-check tracking<br>Reviewer Comment (2025-05-12): [Redact] received LOE to borrower, Copy of Refund Check, proof of mailing, Corrected CD. [Redact] tracking indicates label has been created, but package has not been shipped. Proof of mailing required to cure.<br>Buyer Comment (2025-05-09): LOE, PCCD, refund check and label |  | 05/14/2025 |  | 2 C B |  | [Redact] | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| [Redact] | 9121987 | [Redact] |  | 33535943 |  | 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 Service Charges. Fee Amount of [Redact] exceeds tolerance of [Redact]. Insufficient or no cure was provided to the borrower. | Cure provided at closing. This exception will be cleared when all other tolerance issues have been resolved. |  |  |  | Reviewer Comment (2025-05-12): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception. |  | 05/12/2025 |  | 2 C B |  | [Redact] | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| [Redact] | 9121987 | [Redact] |  | 33535945 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall due to insufficient reserves. |  |  |  | Reviewer Comment (2025-05-14): Cleared.<br>Buyer Comment (2025-05-14): Please clear | 05/14/2025 |  |  | 1 B A C |  | [Redact] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| [Redact] | 9121987 | [Redact] |  | 33535946 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Waterfall due to insufficient reserves. |  |  |  | Reviewer Comment (2025-05-14): Cleared.<br>Buyer Comment (2025-05-14): Please clear | 05/14/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9085578 | [Redact] |  | 33537363 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Documented qualifying Assets for Closing of [Redact] is insufficient to cover Cash From Borrower. HUD1 from refinance of other Investment property reported in asset verification document is missing in the file. Missing HUD from refinance, loan [Redact], reflecting [Redact]. |  |  |  | Reviewer Comment (2025-04-24): HUD from cash out refinance on another property provided.<br>Buyer Comment (2025-04-22): HUD | 04/24/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A |  | N/A | No |
| [Redact] | 9085578 | [Redact] |  | 33537364 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Reserve requirement of 9 months not met. HUD1 from refinance of other Investment property reported in asset verification document is missing in the file. Missing HUD from refinance, loan [Redact], reflecting [Redact]. |  |  |  | Reviewer Comment (2025-04-24): HUD from cash out refinance on another property provided.<br>Buyer Comment (2025-04-22): HUD | 04/24/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A |  | N/A | No |
| [Redact] | 9085578 | [Redact] |  | 33537365 |  | Compliance | Compliance | State Compliance | State Defect | [Redact] SB270 Prepayment Penalty Test 2009 Investment Test | [Redact] SB270: Mortgage loan contains an impermissible prepayment penalty; however Note or Prepay Addendum provides specific language that prepayment penalty will not exceed maximum permitted by applicable law. |  |  |  |  | Buyer Comment (2025-04-17): Acknowledged as non-material. |  |  | 04/17/2025 | 2 B |  | [Redact] | Investment | Purchase | C B A |  | N/A | No |
| [Redact] | 9180671 | [Redact] | [Redact] | 33538525 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-06-30): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-06-25): (Rate Lock) [Redact] | 06/30/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 9180671 | [Redact] | [Redact] | 33733231 |  | 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. | No documentation in the loan file to evidence borrower was provided with a copy of the appraisal at least 3 business days prior to closing. |  |  |  |  |  |  | 06/24/2025 | 2 B |  | [Redact] | Primary | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 9182317 | [Redact] | [Redact] | 33542440 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-06-18): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-06-17): collateral delivered [Redact] via [Redact] tracking [Redact] | 06/18/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | A |  | N/A | No |
| [Redact] | 9183098 | [Redact] | [Redact] | 33553693 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-07-04): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-07-02): collateral delivered [Redact] via [Redact] tracking [Redact] | 07/04/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | A |  | N/A | No |
| [Redact] | 9137906 | [Redact] |  | 33584332 |  | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed |  | The guarantor has an EPLS/SAM issue and no search is in the file. |  |  |  | Reviewer Comment (2025-05-21): SAM search provided<br>Buyer Comment (2025-05-16): Copy of SSN results and EPLS/SAM results attached...this should address all issues reporting on [Redact]<br>Reviewer Comment (2025-05-15): Lender to review the post-closing search Doc ID #0298. Nothing negative<br>Buyer Comment (2025-05-13): Copy of EPLS attached for guarantor | 05/21/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redact] | 9137859 | [Redact] |  | 33584341 |  | Credit | Business Purpose | Guideline Issue | Business Purpose | Unable to determine # of Projects or Value of Projects. Please provide the necessary documentation. |  | For experience guidelines, missing the acquisition date and sales price for both REOs on the application, [Redact] and [Redact]. |  |  |  | Reviewer Comment (2025-05-22): REO info provided<br>Buyer Comment (2025-05-19): Uploaded REO's for [Redact] & [Redact] | 05/22/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 9137781 | [Redact] |  | 33584344 |  | Credit | Business Purpose | Guideline Issue | Business Purpose | Unable to determine # of Projects or Value of Projects. Please provide the necessary documentation. |  | Missing the purchase date and sales price for the non-subject REOs, [Redact]. and [Redact], per application, to confirm experience. |  |  |  | Reviewer Comment (2025-05-20): Property history report provided<br>Buyer Comment (2025-05-16): GL & UW response<br>Buyer Comment (2025-05-16): Per UW and guidelines, we only need to provide one investment property showing borrower has ownership for at least 12 months in last 3 years. Uploaded the property profile for [Redact] and [Redact] | 05/20/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 9193688 | [Redact] | [Redact] | 33619762 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-07-11): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-07-09): (Rate Lock) [Redact] | 07/11/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9193688 | [Redact] | [Redact] | 33833140 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  |  |  |  | 07/07/2025 | 2 B |  | [Redact] | Investment | Purchase | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9193688 | [Redact] | [Redact] | 33833141 |  | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of [Redact] is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and [Redact] (2025). FNMA Finance Charge total [Redact] on a Original Loan Amount of [Redact] vs. an allowable total of [Redact] and [Redact] (2025) (an overage of [Redact] or [Redact]). | FNMA Points and Fees on subject loan of [Redact] is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and [Redact] (2025). FNMA Finance Charge total [Redact] on a Original Loan Amount of [Redact] vs. an allowable total of [Redact] and [Redact] (2025) (an overage of [Redact] or [Redact]). |  |  |  | Reviewer Comment (2025-07-07): Client elected to waive the condition |  |  | 07/07/2025 | 2 B |  | [Redact] | Investment | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Exempt from ATR | Exempt from ATR | Yes |
| [Redact] | 9193692 | [Redact] | [Redact] | 33621725 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-07-03): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-06-30): (Rate Lock) [Redact] | 07/03/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9193692 | [Redact] | [Redact] | 33786974 |  | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of [Redact] is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and [Redact] (2025). FNMA Finance Charge total [Redact] on a Original Loan Amount of [Redact] vs. an allowable total of [Redact] and [Redact] (2025) (an overage of [Redact] or [Redact]). |  |  |  |  | Reviewer Comment (2025-06-28): Client elected to waive the condition on the Non-QM 1st lien |  |  | 06/28/2025 | 2 B |  | [Redact] | Investment | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Exempt from ATR | Exempt from ATR | Yes |
| [Redact] | 9110378 | [Redact] |  | 33637164 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided |  | Required a Letter from the CPA or a Cash Flow Analysis of the business balance sheet to confirm that the withdrawal will not negatively impact the business. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least [Redact].<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 [Redact].<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. |  | [Redact]<br>[Redact]<br>[Redact]<br>[Redact]<br>[Redact]<br>[Redact] | Reviewer Comment (2025-05-19): Investor exception provided. Compensating factors: DTI is 12% where the max is 50%, residual income is [Redact], and LTV is 80% where 85% is the max.<br>Buyer Comment (2025-05-18): Exception from [Redact].<br>Reviewer Comment (2025-05-06): Per guideline it does specified it has mentioned "an underwriter cash flow analysis of the business balance sheet to confirm that the withdrawal will not negatively impact the business." Exception Remains<br>Buyer Comment (2025-05-02): Per Lender: How many months are needed on the balance sheet?<br>Reviewer Comment (2025-04-29): Received UW Cash flow analysis confirmed only [Redact] can used for closing fund, however still missing Balance sheet as mentioned guideline. Just FYI Using [Redact] cause Shortfall of reserve requirement, however file have additional investment asset # [Redact] used only to meet reserve requirement. Exception Remains<br>Buyer Comment (2025-04-25): Cash flow explanation |  |  | 05/19/2025 | 2 C B |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9110378 | [Redact] |  | 33637167 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. | Hazard Insurance Policy Effective Date ___; Disbursement Date: ___; Note Date: ___; Transaction Date: ___ | Hazard Insurance Policy Effective Date [Redact]; Disbursement Date: [Redact]; Note Date: [Redact], Required HOI with effective date starts within disbursement/Note date. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least [Redact].<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 [Redact].<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. |  | [Redact]<br>[Redact]<br>[Redact]<br>[Redact]<br>[Redact]<br>[Redact] | Reviewer Comment (2025-05-14): Investor exception provided. Comp factors: DTI is 12% where the maximum is 50%, Residual income [Redact], LTV 80% where 85% is the maximum.<br>Buyer Comment (2025-05-13): investor exception approval<br>Reviewer Comment (2025-05-06): Received LOE from insurance company confirm no claim for [Redact] or beyond, however this is not acceptable. Lender exception approval is require to accept LOE. Exception Remains<br>Buyer Comment (2025-05-02): LOE<br>Reviewer Comment (2025-05-02): Received insurance no claim confirmation, however this require Lender exception to accept. Exception Remains<br>Buyer Comment (2025-05-01): Insurance update |  |  | 05/14/2025 | 2 C B |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9110378 | [Redact] |  | 33637169 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of [Redact] exceeds tolerance of [Redact]. Insufficient or no cure was provided to the borrower. | 0% tolerance was exceeded by [Redact] due to increase of [Redact] - Lender Credits. No valid COC provided, [Redact] evidence of cure in file. |  |  |  | Reviewer Comment (2025-04-23): [Redact] Received Valid COC dated [Redact].<br>Buyer Comment (2025-04-22): COC | 04/23/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| [Redact] | 9092480 | [Redact] |  | 33637173 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Require Business Narrative for borrower [Redact] from [Redact] |  |  |  | Reviewer Comment (2025-05-19): Received business narrative for borrower [Redact] from [Redact] with employee count and nature of business. Exception cleared<br>Buyer Comment (2025-05-16): Business Narrative<br>Reviewer Comment (2025-05-01): Noted. Business narrative received. Business Narrative should confirm about the nature of business along with the number of employees involved in the business and the status of the business. Exception remains.<br>Buyer Comment (2025-04-29): business narrative | 05/19/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9135948 | [Redact] |  | 33637186 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Provide 12 months verification of rent (VOR) for [Redact]. If Borrower renting from a private party or purchasing from his or her current landlord (cancelled checks or bank statements required to verify satisfactory pay history between borrower and landlord). |  |  |  | Reviewer Comment (2025-05-27): Received 16 Months verified from [Redact] and [Redact] along with lease agreement. Exception Cleared<br>Buyer Comment (2025-05-22): Lender's response: Rent payments were made in advance. The [Redact] is for all of 2024 per lease ([Redact]4 to [Redact]). The 3 months rent were for [Redact] to [Redact]. [Redact] rent check was also provided.<br>Reviewer Comment (2025-05-20): Noted Cancelled check dated [Redact] (Three Month Rent paid) i.e [Redact], [Redact] and [Redact]. also Check dated [Redact] (12 months rent paid) i.e. [Redact] - [Redact]. Also [Redact] [Redact] rental payment evidence required. exception remains.<br>Buyer Comment (2025-05-19): canceled cks<br>Buyer Comment (2025-05-19): Lease | 05/27/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9135948 | [Redact] |  | 33637187 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | [Redact] is missing Hazard Insurance documentation |  |  |  | Reviewer Comment (2025-05-20): Property is condominium timeshare and do not pay insurance separately however HOA amount paid by borrower to management company. exception cleared.<br>Buyer Comment (2025-05-19): Per lender: This property is a condominium timeshare and there is no insurance. Borrower pays a maintenance fee which was already provided. | 05/20/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9135948 | [Redact] |  | 33637189 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated [Redact] was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated [Redact] received by borrower on [Redact]. E-sign disclosure signed on [Redact]. |  |  |  | Reviewer Comment (2025-05-21): [Redact] received earliest e-consent dated [Redact].<br>Buyer Comment (2025-05-20): Please re-review the [Redact] Esign Cert - the details show [Redact] consented to esign on [Redact]. TRID allows for either borrower or co-borrower to acknowledge receipt of initial disclosures, either is acceptable and both is not required.<br>Reviewer Comment (2025-05-20): The consumer went through the eConsent process on [Redact], the consumer acknowledged the receipt of the LE on [Redact], But the loan application date was [Redact]. In the event the consumer had not provided eConsent by [Redact], then the lender should have sent the consumer the Loan Estimate through another means in accordance with the official interpretation reflected in Comment 19(e)(1)(iv)-2. Provide proof borrower was sent Initial LE via other means than electronic delivery, as the e-consent was over 3 business days and acknowledged over 3 business days. The LE would not have been provided electronically if borrower had not e-consented with the 3 business days after application.<br>Buyer Comment (2025-05-19): Attached eSign certificate showing proof of delivery and borrower's eConsent. | 05/21/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9135948 | [Redact] |  | 33637191 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of [Redact] is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total [Redact] on a Federal Total Loan Amount of [Redact] vs. an investor allowable total of [Redact] (an overage of [Redact] or [Redact]). | Provide undiscounted rate and bona fide points excluded for further testing consideration |  |  |  | Buyer Comment (2025-05-15): Acknowledged non material |  |  | 05/15/2025 | 2 B |  | [Redact] | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| [Redact] | 9135948 | [Redact] |  | 33637192 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of [Redact] exceeds tolerance of [Redact]. Insufficient or no cure was provided to the borrower. | Loan Discount Points Fee was disclosed as [Redact] on Initial LE and [Redact] on Final CD. No valid COC not evidence of cure in file. |  |  |  | Reviewer Comment (2025-05-27): [Redact] Received Valid COC dated [Redact].<br>Buyer Comment (2025-05-23): Correct file did not upload - See attached COC record for [Redact]<br>Reviewer Comment (2025-05-23): [Redact] received LE dated [Redact] however the fee again added on CD dated [Redact] for [Redact]. Kindly provide a valid COC for the fee increased on CD dated [Redact] or provide cure docs. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing.<br>Buyer Comment (2025-05-22): COC record<br>Reviewer Comment (2025-05-20): [Redact] received rebuttal, however loan discount points were removed on CD dated [Redact] and fee again got added on [Redact]. A valid Changed Circumstance for addition of fee on [Redact] CD or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check.<br>Buyer Comment (2025-05-19): Per lender: Attached Loan Estimate Date Issued [Redact] shows the discount points were higher and there is no fee tolerance violation. | 05/27/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| [Redact] | 9138220 | [Redact] |  | 33637194 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Business narrative is required from the borrower to describe the type of business and number of employees. |  |  |  | Reviewer Comment (2025-05-23): Received Business narrative signed by both borrower. Exception Cleared<br>Buyer Comment (2025-05-21): Business Narrative signed by [Redact].<br>Reviewer Comment (2025-05-20): Received Business narrative signed by one borrower [Redact] only. other borrower [Redact] signature is missing. Both borrower owned 50% each. Exception Remains<br>Buyer Comment (2025-05-20): Business Narrative | 05/23/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Limited Cash-out GSE | C A | Non QM | Non QM | No |
| [Redact] | 9138220 | [Redact] |  | 33637195 |  | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds/Deposit not provided |  | Required source of funds for large deposit of[Redact] dated [Redact] &[Redact] dated [Redact] for [Redact] client services #[Redact]. |  |  |  | Reviewer Comment (2025-05-23): Received LOX and Deposit receipt for Large Deposit [Redact] Exception Cleared<br>Buyer Comment (2025-05-21): large deposit LOX and check<br>Reviewer Comment (2025-05-20): Received Source of large deposit [Redact], however still missing for [Redact] dated [Redact]. Exception Remains<br>Buyer Comment (2025-05-20): Per Lender: large deposit wire from patriot home mortgage // borrower sold home at [Redact] / total proceeds came to patriot home to issue partial reconveyance then borrower kept remaining amount of [Redact]<br>Buyer Comment (2025-05-20): Statement | 05/23/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Limited Cash-out GSE | C A | Non QM | Non QM | No |
| [Redact] | 9138220 | [Redact] |  | 33637201 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  | One Tax Cert provided reflects [Redact] and one reflects [Redact] but the taxes used to qualify are [Redact]. Need updated Tax Cert to verify monthly expenses used to qualify. |  |  |  | Reviewer Comment (2025-05-20): New construction property using 1.5% of Purchase price. per guideline. Exception Cleared<br>Buyer Comment (2025-05-20): Per Lender: due to new construction we used 1.5% of acquisition cost for property tax per guide 11.1 | 05/20/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Limited Cash-out GSE | C A | Non QM | Non QM | No |
| [Redact] | 9120624 | [Redact] |  | 33637327 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | DSCR Calculation Worksheet not found at time of review. |  |  |  | Reviewer Comment (2025-05-21): Received DSCR calculation worksheet. exception Cleared<br>Buyer Comment (2025-05-20): DSCR worksheet | 05/21/2025 |  |  | 1 C A D |  | [Redact] | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| [Redact] | 9132519 | [Redact] |  | 33637365 |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  | Require project approval certified by Fannie Mae for condo project "[Redact]". |  |  |  | Reviewer Comment (2025-05-29): Attestation provided.<br>Buyer Comment (2025-05-29): [Redact] allows a lender attestation<br>Reviewer Comment (2025-05-28): As per guide All supporting documentation used by the lender to determine eligibility and warranty type criteria must be submitted in the file; including the project acceptance certification generated by CPM and unexpired PERS approval, as applicable. exception remains.<br>Buyer Comment (2025-05-27): Condo warrantability | 05/29/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| [Redact] | 9132519 | [Redact] |  | 33637366 |  | Credit | Guideline | Guideline Issue | Guideline | Note has a Prepayment Penalty provision, which is not allowable per guidelines. |  | Prepayment calculation type does not meet program requirements. PPP is for 1 yr after 20% using 5%. Guides allow either 6 months interest or percentage option. Subject PPP is hybrid of the two . Please provide corrected prepayment documentation using program approved prepayment calculation types provided in section 13.5 of the program guide. Please provide corrected, executed prepayment addendum, rider, and letter of intent to re-record. Please provide corrected PCCD with updated prepayment calculations if applicable. |  |  |  | Reviewer Comment (2025-05-15): Cleared. Allowed per gls.<br>Buyer Comment (2025-05-15): Please cancel. Structure of this PPP term for the subject are allowed per [Redact] guidelines. | 05/15/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| [Redact] | 9132519 | [Redact] |  | 33637367 |  | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided |  | As per guide For refinances, a current lease must be supported with two most recent bank statements showing consecutive rental payments, therefor two most recent bank statements showing consecutive rental payments required. [Redact] and [Redact] provided Missing [Redact]. |  |  |  | Reviewer Comment (2025-05-28): Received two months rental deposit bank statement. for the [Redact] & [Redact]. exception cleared.<br>Buyer Comment (2025-05-27): LOX<br>Buyer Comment (2025-05-27): Assets 3<br>Buyer Comment (2025-05-27): Assets 2<br>Buyer Comment (2025-05-27): Asset 1 | 05/28/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| [Redact] | 9137822 | [Redact] |  | 33754613 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | Right to Cancel document is missing in file. |  |  |  | Reviewer Comment (2025-06-02): RTC provided<br>Buyer Comment (2025-05-28): Please confirm receipt. Parts of package was corrupted, signed closing docs reuploaded | 06/02/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C | Non QM | Non QM | Yes |
| [Redact] | 9137831 | [Redact] |  | 33754622 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception: Requesting exception to grant transaction with a transferred appraisal where the broker is the borrower. | The qualifying DTI on the loan is at least 10% less than the guideline maximum. | DTI is 16% vs the max of 50% | Originator,[Redact] | Reviewer Comment (2025-05-30): Client elects to down grade and waive using compensating factors<br> DTI is 16% vs the max of 50%<br>Buyer Comment (2025-05-27): Please see the upl [Redact] exception<br>Reviewer Comment (2025-05-23): Since the lender granted an exception for the appraisal not being in the broker's name (per guides page 171 section 4.18.1.2 - A transferred appraisal report is not acceptable), need a sufficient compensating factor in order for us to downgrade and waive.<br>Buyer Comment (2025-05-20): per [Redact] exception form uploaded - see decision notes Approved subject to .50 add to price.<br>Reviewer Comment (2025-05-19): No valid compensating factors provided<br>Reviewer Comment (2025-05-15): No comp factors provided<br>Buyer Comment (2025-05-13): please let us know if you need anything else from us |  |  | 05/30/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | B A | Non QM | N/A | No |
| [Redact] | 9183106 | [Redact] |  | 33893351 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Issue: Subject loan is a non-arms length transaction outside of credit guidelines |  | Non-Arms length sale not allowed per guide. Investment property transactions must be arm's length. Per appraisal page 1. |  |  |  | Reviewer Comment (2025-04-14): Received corrected appraisal - Transaction is Arms-length sales. Exception cleared.<br>Buyer Comment (2025-04-11): updated appraisal<br>Reviewer Comment (2025-04-03): Provide an explanation from the appraiser or an updated appraisal showing this is not a non-arms length transaction.<br>Buyer Comment (2025-04-02): Per Lender : he seller acted as his own realtor, but the borrower had a different realtor, so it was an Arm's Length transaction for our borrower. Is there anyway to move forward with an exception? thanks. | 04/14/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 9183109 | [Redact] |  | 33893352 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within [Redact] or [Redact] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The Preliminary title policy is within [Redact] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  | Reviewer Comment (2025-04-14): Received Title policy with coverage amount covering the loan amount. Exception Cleared<br>Buyer Comment (2025-04-10): Title policy | 04/14/2025 |  |  | 1 B A |  | [Redact] | Investment | Purchase | B A |  | N/A | No |
| [Redact] | 9183105 | [Redact] |  | 33893354 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Appraisal is dated [Redact] which is the same day as closing. Missing evidence the appraisal was provided to the borrower three (3) business days prior to consummation. |  |  |  | Reviewer Comment (2025-04-15): Original Appraisal and delivery document received. Exception Cleared<br>Buyer Comment (2025-04-14): [Redact] delivery for revised report, also see uploaded original appraisal and delivery on [Redact]<br>Buyer Comment (2025-04-14): Original appraisal, also see uploaded delivery on [Redact]<br>Buyer Comment (2025-04-14): Appraisal delivery | 04/15/2025 |  |  | 1 B A |  | [Redact] | Investment | Purchase | B A |  | N/A | No |
| [Redact] | 9183112 | [Redact] |  | 33893359 |  | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. |  | Required two consecutive month bank statement for [Redact]. #[Redact]. |  |  |  | Reviewer Comment (2025-04-21): D1C Report confirm 2 Months from [Redact] till [Redact] for account # [Redact]. Exception Cleared<br>Buyer Comment (2025-04-18): Per lender: --We have the statement noted in the condition which is covering [Redact] to [Redact], however, we also have the [Redact] verification covering [Redact] to [Redact] which meets the 60 day requirement. This was included in the file sent to [Redact]-Page 202 and 203. Can you please re-review and waive? | 04/21/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9183112 | [Redact] |  | 33893361 |  | Compliance | Compliance | State Compliance | State Defect | [Redact] SB 1894 | [Redact] Predatory Lending Database Program (SB 1894) - Certificate of Compliance or Exemption not attached to mortgage for recording. | (SB 1894) - Certificate of Compliance or Exemption is missing in file. |  |  |  | Reviewer Comment (2025-04-18): Received [Redact] Certificate of Compliance. Exception cleared<br>Buyer Comment (2025-04-17): Exemption Cert | 04/18/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9183110 | [Redact] |  | 33893370 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | Statement is required for the new loan amount of [Redact] to confirm the monthly payment of [Redact] on the primary property "[Redact]" |  |  |  | Reviewer Comment (2025-04-30): Provided and clarified.<br>Buyer Comment (2025-04-28): Per Lender: This was reviewed by the Underwriter who stated: It is their calc which they told me is 1%. We used it for the remaining draw allowed because the [Redact] balance and payments are already accounted for and per the banker will be paid in full on their maturity date [Redact] for that fixed portion. These were in my notes. [Redact]: the [Redact] [Redact] bank note is a fixed original portion of the brws heloc for their owner occ which will be paid off in full on their maturity date [Redact] per the banker. The brws originally opened the HELOC in [Redact] for [Redact]. Then in 2019 brws requested a modification to increase the note line to [Redact] which was granted per mod docs. The available limit of [Redact] + the existing balance of [Redact] equals the [Redact] line to match the banker's email and docs. Using 1% of the max available amount ([Redact]) for [Redact] since the other portion is already fixed & being counted. The brws only drew [Redact] of the [Redact] available, but [Redact] requires 1% of the full line per their email.<br>Reviewer Comment (2025-04-25): Received HELOC Agreement and statement confirming Loan of [Redact], however Verification of monthly payment of [Redact] is missing as using Given rate of [Redact] or [Redact] does not calculate [Redact]/monthly Payment. Lender calculation document require. Exception Remains<br>Buyer Comment (2025-04-23): [Redact] loan #[Redact] transaction history | 04/30/2025 |  |  | 1 C A |  | [Redact] | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9183110 | [Redact] |  | 33893371 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Loan Underwriting and Transmittal Summary (1008) / MCAW not provided |  | Updated Loan Underwriting and Transmittal Summary (1008) with corrected HTI and DTI ratios is required. |  |  |  | Reviewer Comment (2025-04-25): Received Corrected 1008 with HTI/DTI correction. Exception Cleared<br>Buyer Comment (2025-04-23): 1008 | 04/25/2025 |  |  | 1 C A |  | [Redact] | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9183110 | [Redact] |  | 33893372 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Verbal Verification of employment within 10 business days of the note date for Borrower ([Redact]) required for employer "[Redact]" Provided in file is dated [Redact]. |  |  |  | Reviewer Comment (2025-04-30): Noted. Received Bank statement from [Redact] - [Redact] that reflect pay deposit on [Redact] for [Redact] in lieu of VVOE. as per FNMA accepted within 15 business days of the note date. Exception Cleared.<br>Buyer Comment (2025-04-28): transaction history<br>Reviewer Comment (2025-04-25): Bank Statement Provided which shows Payment from Borrower employer, however it is not Payroll amount as mentioned in [Redact].Deposit. It appears Some payment from employer as amount is too low then Biweekly Base pay. Additionally Guideline noted Verbal Verification of Employment (VVOE) within 10 business days of note date. Alternate method can be used it must be within 10 business days of Note date. Require more clarification. Exception Remains<br>Buyer Comment (2025-04-23): VVOE | 04/30/2025 |  |  | 1 C A |  | [Redact] | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9183110 | [Redact] |  | 33893376 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Approved Lender Exception: All borrowers owning 25% or more of a business or entity must provide a year-to-date P&L statement and balance sheet for that entity, regardless of whether or not the business income is being used to qualify. Exception for documentation relief to not required Year-to-Date P&L Statements and Balance Sheets for both Borrower and Co-borrower Schedule C's.<br> Compensating Factors: 115 months reserves ([Redact]), 796 FICO, 75% LTV,[Redact] equity position in other REOs. Primary employment & income source for both Borrower and Co-borrower is W2 wage earner only. Both borrowers have 20+ years at current employer. Schedule C losses are nominal, deducted from total qualifying W2 income. with no adverse to impact ATR. | Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more.<br>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>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and [Redact].<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The representative FICO score is above 680. | [Redact] vs [Redact] | [Redact],Aggregator<br>[Redact]<br>[Redact]<br>[Redact]<br>[Redact]<br>[Redact] | Reviewer Comment (2025-04-17): Lender approved to waive with compensating factors. |  |  | 04/17/2025 | 2 B |  | [Redact] | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9183128 | [Redact] |  | 33893378 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Source document missing for the amount [Redact] for REO address [Redact]. Disclosed obligation on application is higher than provided documented for the PITIHOA. |  |  |  | Reviewer Comment (2025-04-30): Tax cert Considered for Property [Redact] as per Borrower LOX Property address [Redact] and Property address [Redact] is One the same property. Exception Cleared<br>Buyer Comment (2025-04-28): rental income worksheet | 04/30/2025 |  |  | 1 C A |  | [Redact] | Second Home | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9183123 | [Redact] |  | 33893381 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | REO Section 3a reflects Property "[Redact]" as Retained Investment however Page 1 of 1003 reflects primary residence also 1008 and AUS reflects HTI ratio. Corrected Final 1003 is required. |  |  |  | Reviewer Comment (2025-05-07): Received updated 1003 with REO property [Redact] as primary property. Exception Cleared<br>Buyer Comment (2025-05-05): 1003 | 05/07/2025 |  |  | 1 C A |  | [Redact] | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9183123 | [Redact] |  | 33893382 |  | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. |  | As per Guide, Bank statements for the most recent two consecutive months is required, have statement for [Redact] for [Redact] (IRA) #[Redact]. Additional 1 month statement is required. |  |  |  | Reviewer Comment (2025-05-09): Statement provided.<br>Buyer Comment (2025-05-09): [Redact]<br>Reviewer Comment (2025-05-08): Received the same Bank statement for account # [Redact] but we require Account # [Redact]. Exception remains<br>Buyer Comment (2025-05-07): [Redact]<br>Reviewer Comment (2025-05-02): Received Bank statement for account # [Redact] whereas exception require for Account # [Redact]. Exception remains<br>Buyer Comment (2025-05-01): IRA [Redact] Statement | 05/09/2025 |  |  | 1 C A |  | [Redact] | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9183123 | [Redact] |  | 33893385 |  | 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 [Redact] exceeds tolerance of [Redact]. Sufficient or excess cure was provided to the borrower at Closing. | Cure provided at closing |  |  |  | Reviewer Comment (2025-04-23): Sufficient Cure Provided At Closing |  | 04/23/2025 |  | 1 A |  | [Redact] | Second Home | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redact] | 9183130 | [Redact] |  | 33893391 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Provide Closing Disclosure from pending sale - Bridge loan netting at least [Redact], monthly payment not to exceed [Redact], not found at time of review. |  |  |  | Reviewer Comment (2025-05-15): As per final 1003 HOA was updated as [Redact] however lender confirmed that HOA was taken on High however actual HOA is [Redact]. after updating actual HOA as [Redact] DTI variance is 1% from 40.894% to 39.836% Exception Cleared.<br>Buyer Comment (2025-05-15): per lender: The HOA fees were originally estimated high on the 1003 and left as is when they came in lower. All fees on the residence are fully documented and accounted for. Can you please clarify what else needs to be provided?<br>Reviewer Comment (2025-05-13): Received CD for bridge loan. but [Redact] sourced payment not provided (payment in PITIA stated in application [Redact] where [Redact] verified in HOA) exception remains.<br>Buyer Comment (2025-05-12): per lender: Please find the attached CD from the bridge loan showing the payment and funds meet the closing condition. Please note that the HOA fees were originally estimated high on the 1003 and left as is when they came in lower. All fees on the residence are fully documented and accounted for.<br>Reviewer Comment (2025-05-09): Received Credit report, however no document received for Bridge loan netting at least [Redact], monthly payment not to exceed [Redact], Additionally TIA amount noted [Redact] in final 1003 whereas HOA verified [Redact] and Ta and insurance are escrowed. Exception Remains<br>Buyer Comment (2025-05-07): bridge loan | 05/15/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9183130 | [Redact] |  | 33893393 |  | Credit | Credit | Credit Documentation | Guideline | The Verification of Rent (VOR) / Verification of Mortgage (VOM) is required and was not found in file. |  | Need verification [Redact] payment to [Redact] for previous primary residence was paid within month due. |  |  |  | Reviewer Comment (2025-05-09): Received Credit supplement confirm [Redact] mortgage payment till [Redact]. Exception Cleared<br>Buyer Comment (2025-05-07): C Report supplement | 05/09/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9183111 | [Redact] |  | 33893396 |  | 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 [Redact] exceeds tolerance of [Redact]. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient Cure Provided At Closing. |  |  |  | Reviewer Comment (2025-04-30): Sufficient Cure Provided At Closing |  | 04/30/2025 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redact] | 9183111 | [Redact] |  | 33893397 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Provide two years tax transcripts (2023 / 2024) due to use of bonus income average. |  |  |  | Reviewer Comment (2025-05-14): Received 2023 and 2024 W-2 Transcript for borrower Bonus income. Exception Cleared<br>Buyer Comment (2025-05-13): 2024 2023 W2 Transcripts | 05/14/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9183121 | [Redact] |  | 33893404 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | REO Section - Property"[Redact]" reflects taxes, insurance, and association as [Redact], supporting document is required to verify the stated amount. |  |  |  | Reviewer Comment (2025-05-21): Received LOX confirm no HOA, Insurance and Free and clear property Tax and Currency Conversion provided confirm [Redact] monthly Tax amount. Exception Cleared<br>Buyer Comment (2025-05-20): Per Lender: G3-A - BORROWER OWNS HOME FREE AND CLEAR - PROPERTY TAX INFORMATION<br>Buyer Comment (2025-05-20): Processor Cert | 05/21/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 9183121 | [Redact] |  | 33893405 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Mortgage statement for the property "[Redact]" is required to confirm taxes and insurance are escrowed. |  |  |  | Reviewer Comment (2025-05-21): Received tax and insurance. File have pay history confirmed payment is escrowed. Exception Cleared<br>Buyer Comment (2025-05-20): HOI and Taxes | 05/21/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 9183121 | [Redact] |  | 33893406 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | HELOC statement is required to confirm the total monthly payment. Lender has considered [Redact], supporting documents are missing to verify the payment. |  |  |  | Reviewer Comment (2025-05-21): Received Credit supplement confirm payment of HELOC payment of [Redact]. Exception Cleared<br>Buyer Comment (2025-05-20): Credit Supplement | 05/21/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 9183119 | [Redact] |  | 33893407 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | Reviewer Comment (2025-05-13): Received Final Title policy Covering the loan amount. Address Shows [Redact] as city name instead of [Redact], however as per Zip code look up it is other City Recognized with address in Zip code of [Redact] therefore accepted. Exception Cleared | 05/13/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9183119 | [Redact] |  | 33893408 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  | The Title Commitment Report in file disclosed [Redact] of title insurance coverage; however this is less than the loan amount of [Redact]. Provide a copy of the final title policy or a supplemental title report verifying title insurance of at least the loan amount. |  |  |  | Reviewer Comment (2025-05-13): Received Final Title policy Covering the loan amount. Address Shows [Redact] as city name instead of [Redact], however as per Zip code look up it is other City Recognized with address in Zip code of [Redact] therefore accepted. Exception Cleared<br>Buyer Comment (2025-05-12): title commitment | 05/13/2025 |  |  | 1 B A |  | [Redact] | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9183119 | [Redact] |  | 33893410 |  | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. |  | For Business bank statement of [Redact] #[Redact]. The Seller must complete a cash-flow analysis supported by two years of personal and business federal tax<br> returns and a year-to-date P&L statement and balance sheet to show there will be no detrimental effect on<br> the business; or<br> • The Seller must obtain a signed letter from a CPA/Licensed Tax Preparer verifying the following:<br> - The amount of business assets that can be used must correspond to the borrower's percentage of<br> ownership in the business.<br> - The funds are not an advancement of future earnings, cash distribution or a loan.<br> - Withdrawal of the funds will not negatively impact the business.<br> - A cash-flow analysis (Fannie Mae Form 1084 or similar form). |  |  |  | Reviewer Comment (2025-05-14): Final 1003 noted Funds has been used, however 1008 Noted No business funds used for closing. Without Business funds Sufficient asset available to meet cash to close and reserve requirement. Exception Cleared<br>Buyer Comment (2025-05-13): 1008 and LOX | 05/14/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9183136 | [Redact] |  | 33893412 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | File contains evidence appraisal report provided is an updated report. Delivery confirmations dated earlier than report date of report located in file. Lender to provide all previous appraisal reports/updates or waiver |  |  |  | Reviewer Comment (2025-05-20): Received Original Appraisal. Exception Cleared<br>Buyer Comment (2025-05-19): Original Appraisal. | 05/20/2025 |  |  | 1 B A |  | [Redact] | Second Home | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9183129 | [Redact] |  | 33893418 |  | Credit | Guideline | Guideline Issue | Guideline | Missing required Transcripts (1040) and/or W-2 Transcripts. |  | Borrower: [Redact] base income is qualified by Average monthly Income however RSU income is qualified by 2 year average income, need two years Tax Transcripts (1040) and/or W-2 Transcripts. |  |  |  | Reviewer Comment (2025-05-21): Received W-2 Transcript for 2024 and 2023. Exception Cleared<br>Buyer Comment (2025-05-20): W2 TAX TRANSMITTAL | 05/21/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9183129 | [Redact] |  | 33893419 |  | Credit | Guideline | Guideline Issue | Guideline | Aged document: Asset Account date is more than 90 days prior to Closing. |  | As Per guidelines bank statements should not be more than 90 days old from the note date hence require additional 1 month recent bank statement - [Redact] for [Redact] Stocks Account Number ending with [Redact]. |  |  |  | Reviewer Comment (2025-05-20): Received [Redact] Bank statement for account # [Redact]. Exception Cleared<br>Buyer Comment (2025-05-19): bank statement | 05/20/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9183129 | [Redact] |  | 33893421 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Provide acceptable Rental Payment Verification (0 X 30 most recent 12 months) for [Redact]. Provide acceptable VOR from management company or canceled checks. |  |  |  | Reviewer Comment (2025-05-20): Received VOM for Primary Property from [Redact] till [Redact]. Exception Cleared<br>Buyer Comment (2025-05-19): VOR | 05/20/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9183132 | [Redact] |  | 33893429 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Required Business narrative with the description/profile of the business, including the size/scope and operating profile, location(s), number of employees/contractors, estimated cost of goods sold (if any), commercial or retail client base, etc. |  |  |  | Reviewer Comment (2025-05-22): Received Appendix B Business narrative. Exception Cleared<br>Buyer Comment (2025-05-21): Business Narative | 05/22/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9183132 | [Redact] |  | 33893432 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [Redact], prior to three (3) business days from transaction date of [Redact]. | Disbursement date is [Redact], prior to three (3) business days from transaction date of [Redact]. |  |  |  | Reviewer Comment (2025-05-22): Received PCCD with New disbursement date. Exception Cleared<br>Buyer Comment (2025-05-20): FSS - disbursement date [Redact] | 05/22/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redact] | 9183132 | [Redact] |  | 33893434 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Require Mortgage payoff statement for [Redact] #[Redact] with balance being paid off of [Redact]. |  |  |  | Reviewer Comment (2025-05-22): Received Mortgage payoff statement. Exception Cleared<br>Buyer Comment (2025-05-21): payoff statement | 05/22/2025 |  |  | 1 C A D |  | [Redact] | Primary | Refinance - Cash-out - Other | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9183117 | [Redact] |  | 33893448 |  | 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 [Redact] exceeds tolerance of [Redact] plus 10% or [Redact]. Insufficient or no cure was provided to the borrower. | 10% tolerance was exceeded by [Redact] due to increase of [Redact]- Recording Service Fee. No valid COC provided, nor evidence of cure in file. |  |  |  | Reviewer Comment (2025-05-21): [Redact] received corrected PCCD, LOX and Final Settlement Statement.<br>Buyer Comment (2025-05-19): FSS showing [Redact] total for recording fees.<br>Reviewer Comment (2025-05-19): [Redact] Received Corrected PCCD and LOE reducing recording fee; however, require true and Certified final settlement statement in order to verify the loan is closed as per provided PCCD. Please provide true and Certified final settlement statement.<br>Buyer Comment (2025-05-16): LOE and PCCD | 05/21/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| [Redact] | 9183117 | [Redact] |  | 33893449 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. | Since loan amount is [Redact] hence the Guideline loan to value percentage would be 65.00000%. | Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least [Redact].<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. | [Redact] vs [Redact] | [Redact],Aggregator<br>[Redact]<br>[Redact]<br>[Redact]<br>[Redact] | Reviewer Comment (2025-05-13): Lender approved exception to allow with compensating factors,. Compensating Factors: 14.5% DTI, 28 months reserves ([Redact]), [Redact] (33%) equity position on other REO, 36 tears self-employed in same business, satisfactory mortgage payment history outside of one isolated 30 day late payment from [Redact]. |  |  | 05/13/2025 | 2 B |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9183117 | [Redact] |  | 33893450 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of ___ exceeds Guideline combined loan to value percentage of ___. | Since loan amount is [Redact] hence the Guideline combined loan to value percentage would be 65.00000%. | Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least [Redact].<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. | [Redact] vs [Redact] | [Redact],Aggregator<br>[Redact]<br>[Redact]<br>[Redact]<br>[Redact] | Reviewer Comment (2025-05-13): Lender approved exception to allow with compensating factors,. Compensating Factors: 14.5% DTI, 28 months reserves ([Redact]), [Redact] (33%) equity position on other REO, 36 tears self-employed in same business, satisfactory mortgage payment history outside of one isolated 30 day late payment from [Redact]. |  |  | 05/13/2025 | 2 B |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9183117 | [Redact] |  | 33893451 |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | Since loan amount is [Redact] hence the Guideline representative FICO score would be 740. Lender exception for LTV but did not address required fico requirements. | Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least [Redact].<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. | [Redact] vs [Redact] | [Redact],Aggregator<br>[Redact]<br>[Redact]<br>[Redact]<br>[Redact] | Reviewer Comment (2025-05-21): Investors accepts and agrees to waive the compensating factors<br>Buyer Comment (2025-05-21): [Redact] accepts, ok to downgrade. |  |  | 05/21/2025 | 2 C B |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9183117 | [Redact] |  | 33893453 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  | Final 1003 page 1 not provided. |  |  |  | Reviewer Comment (2025-05-16): Received Complete Final 1003. Exception Cleared<br>Buyer Comment (2025-05-16): 1003 | 05/16/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |

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## Exhibit 99.2

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

**Exhibit 99.2 – Schedule 2**

![](situs-logo.jpg)

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| **Rating Agency Grades** |
| **Run Date - 7/30/2025 1:28:17 PM** |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL CREDIT LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL OVERALL LOAN GRADES** |
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Deal Number** | **Original Loan Amount** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** |
| [Redact] | 7045096 | [Redact] |  |  | C | B | D | D | A | B | A | B |  |
| [Redact] | 8064352 | [Redact] | [Redact] |  | C | B | A | C | A | B | A | B |  |
| [Redact] | 8083094 | [Redact] |  |  | A | B | D | D | A | B | A | B |  |
| [Redact] | 8083151 | [Redact] |  |  | C | B | A | C | A | B | A | B |  |
| [Redact] | 8198633 | [Redact] | [Redact] |  | C | C | A | C | A | B | A | B |  |
| [Redact] | 8179839 | [Redact] |  |  | C | A | A | C | A | A | A | A |  |
| [Redact] | 9061656 | [Redact] | [Redact] |  | C | C | A | C | A | A | A | A |  |
| [Redact] | 9073329 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9081486 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9084459 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9085832 | [Redact] | [Redact] |  | A |  | A | A | A |  | A | A |  |
| [Redact] | 9090327 | [Redact] | [Redact] |  | C | C | A | C | A | B | A | B |  |
| [Redact] | 9090374 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9092479 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9096272 | [Redact] | [Redact] |  | C |  | A | C | A |  | A | A |  |
| [Redact] | 9099369 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9100013 | [Redact] | [Redact] |  | A | C | A | C | A | B | A | B |  |
| [Redact] | 9100043 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9102219 | [Redact] | [Redact] |  | C | A | A | C | A | A | A | A |  |
| [Redact] | 9102603 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9109347 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9109348 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9109351 | [Redact] | [Redact] |  | C | B | A | C | A | B | A | B |  |
| [Redact] | 9101564 | [Redact] |  |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9111493 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9111614 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9113662 | [Redact] | [Redact] |  | A | B | D | D | A | B | A | B |  |
| [Redact] | 9113667 | [Redact] | [Redact] |  | C | B | A | C | A | B | A | B |  |
| [Redact] | 9113666 | [Redact] | [Redact] |  | C | C | A | C | A | B | A | B |  |
| [Redact] | 9115188 | [Redact] | [Redact] |  | C | A | A | C | A | A | A | A |  |
| [Redact] | 9117075 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9117076 | [Redact] | [Redact] |  | C | A | A | C | A | A | A | A |  |
| [Redact] | 9117295 | [Redact] | [Redact] |  | D | B | A | D | A | B | A | B |  |
| [Redact] | 9117311 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9118336 | [Redact] | [Redact] |  | C | A | A | C | A | A | A | A |  |
| [Redact] | 9118350 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9118363 | [Redact] | [Redact] |  | B | B | A | B | B | B | A | B |  |
| [Redact] | 9119166 | [Redact] | [Redact] |  | A | A | D | D | A | A | A | A |  |
| [Redact] | 9119173 | [Redact] | [Redact] |  | C | A | A | C | B | A | A | B |  |
| [Redact] | 9119494 | [Redact] | [Redact] |  | A | C | A | C | A | B | A | B |  |
| [Redact] | 9119497 | [Redact] | [Redact] |  | B | A | A | B | B | A | A | B |  |
| [Redact] | 9120521 | [Redact] | [Redact] |  | C | B | A | C | A | B | A | B |  |
| [Redact] | 9120523 | [Redact] | [Redact] |  | C | C | A | C | A | A | A | A |  |
| [Redact] | 9120603 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9120602 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9121974 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9122000 | [Redact] | [Redact] |  | A | C | A | C | A | B | A | B |  |
| [Redact] | 9122002 | [Redact] | [Redact] |  | C | B | A | C | A | B | A | B |  |
| [Redact] | 9122523 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9122768 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9122769 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9122762 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9123863 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9125195 | [Redact] | [Redact] |  | C |  | A | C | B |  | A | B |  |
| [Redact] | 9126868 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9126872 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9127994 | [Redact] | [Redact] |  | A | C | A | C | A | B | A | B |  |
| [Redact] | 9128282 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9128287 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9128285 | [Redact] | [Redact] |  | B | A | A | B | B | A | A | B |  |
| [Redact] | 9128288 | [Redact] | [Redact] |  | B | B | A | B | B | B | A | B |  |
| [Redact] | 9115010 | [Redact] |  |  | C |  | A | C | A |  | A | A |  |
| [Redact] | 9129354 | [Redact] | [Redact] |  | C | B | A | C | B | B | A | B |  |
| [Redact] | 9129357 | [Redact] | [Redact] |  | A | C | A | C | A | B | A | B |  |
| [Redact] | 9129362 | [Redact] | [Redact] |  | C | C | A | C | A | B | A | B |  |
| [Redact] | 9129364 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9129365 | [Redact] | [Redact] |  | B | C | A | C | B | B | A | B |  |
| [Redact] | 9130131 | [Redact] | [Redact] |  | A | C | A | C | A | B | A | B |  |
| [Redact] | 9130194 | [Redact] | [Redact] |  | A |  | A | A | A |  | A | A |  |
| [Redact] | 9131147 | [Redact] | [Redact] |  | B | A | A | B | B | A | A | B |  |
| [Redact] | 9131150 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9131143 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9131144 | [Redact] | [Redact] |  | B | B | A | B | B | B | A | B |  |
| [Redact] | 9131305 | [Redact] | [Redact] |  | C | B | D | D | A | A | A | A |  |
| [Redact] | 9131479 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9131477 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9132461 | [Redact] | [Redact] |  | B | C | A | C | B | B | A | B |  |
| [Redact] | 9132462 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9132465 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9134031 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9134021 | [Redact] | [Redact] |  | C | A | A | C | A | A | A | A |  |
| [Redact] | 9134025 | [Redact] | [Redact] |  | C | B | A | C | A | B | A | B |  |
| [Redact] | 9134049 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9134045 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9134044 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9134050 | [Redact] | [Redact] |  | A |  | A | A | A |  | A | A |  |
| [Redact] | 9134489 | [Redact] | [Redact] |  | A | C | A | C | A | B | A | B |  |
| [Redact] | 9134494 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9134548 | [Redact] | [Redact] |  | A | C | A | C | A | A | A | A |  |
| [Redact] | 9134549 | [Redact] | [Redact] |  | A | C | A | C | A | B | A | B |  |
| [Redact] | 9134604 | [Redact] | [Redact] |  | C | B | A | C | A | B | A | B |  |
| [Redact] | 9134605 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9135444 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9135946 | [Redact] | [Redact] |  | B | B | A | B | B | B | A | B |  |
| [Redact] | 9135947 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9137453 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9137727 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9138208 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9138222 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9139726 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9122451 | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| [Redact] | 9122452 | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| [Redact] | 9122456 | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| [Redact] | 9122460 | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| [Redact] | 9122470 | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| [Redact] | 9122476 | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| [Redact] | 9122482 | [Redact] |  |  | C |  | A | C | A |  | A | A |  |
| [Redact] | 9122488 | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| [Redact] | 9122490 | [Redact] |  |  | C |  | A | C | A |  | A | A |  |
| [Redact] | 9122509 | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| [Redact] | 9122510 | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| [Redact] | 9122511 | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| [Redact] | 9122513 | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| [Redact] | 9139969 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9085452 | [Redact] |  |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9140909 | [Redact] | [Redact] |  | A | C | A | C | A | A | A | A |  |
| [Redact] | 9141065 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9146416 | [Redact] | [Redact] |  | A |  | A | A | A |  | A | A |  |
| [Redact] | 9146434 | [Redact] | [Redact] |  | C | B | A | C | A | B | A | B |  |
| [Redact] | 9146450 | [Redact] | [Redact] |  | C | B | A | C | A | B | A | B |  |
| [Redact] | 9146451 | [Redact] | [Redact] |  | B | A | A | B | B | A | A | B |  |
| [Redact] | 9146979 | [Redact] | [Redact] |  | C | A | A | C | B | A | A | B |  |
| [Redact] | 9147316 | [Redact] | [Redact] |  | C | A | A | C | A | A | A | A |  |
| [Redact] | 9152898 | [Redact] | [Redact] |  | A |  | A | A | A |  | A | A |  |
| [Redact] | 9152904 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9153351 | [Redact] | [Redact] |  | C |  | A | C | A |  | A | A |  |
| [Redact] | 9154411 | [Redact] | [Redact] |  | A |  | A | A | A |  | A | A |  |
| [Redact] | 9154415 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9135952 | [Redact] |  |  | C |  | A | C | A |  | A | A |  |
| [Redact] | 9135965 | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| [Redact] | 9135975 | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| [Redact] | 9135980 | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| [Redact] | 9136010 | [Redact] |  |  | C |  | A | C | B |  | A | B |  |
| [Redact] | 9136025 | [Redact] |  |  | C |  | A | C | A |  | A | A |  |
| [Redact] | 9157022 | [Redact] | [Redact] |  | C | A | A | C | A | A | A | A |  |
| [Redact] | 9158960 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9160224 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9160482 | [Redact] | [Redact] |  | C |  | A | C | A |  | A | A |  |
| [Redact] | 9165532 | [Redact] | [Redact] |  | C |  | A | C | A |  | A | A |  |
| [Redact] | 9162979 | [Redact] | [Redact] |  | C |  | A | C | A |  | A | A |  |
| [Redact] | 9162978 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9153165 | [Redact] |  |  | C |  | A | C | B |  | A | B |  |
| [Redact] | 9153185 | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| [Redact] | 9153196 | [Redact] |  |  | C |  | A | C | A |  | A | A |  |
| [Redact] | 9153198 | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| [Redact] | 9166201 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9166226 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9169280 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9171600 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9171895 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9173438 | [Redact] | [Redact] |  | C |  | A | C | A |  | A | A |  |
| [Redact] | 9173453 | [Redact] | [Redact] |  | A |  | A | A | A |  | A | A |  |
| [Redact] | 9173969 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9131275 | [Redact] |  |  | C | A | A | C | A | A | A | A |  |
| [Redact] | 9131277 | [Redact] |  |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9131279 | [Redact] |  |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9131274 | [Redact] |  |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9131284 | [Redact] |  |  | B | A | A | B | A | A | A | A |  |
| [Redact] | 9131278 | [Redact] |  |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9131283 | [Redact] |  |  | C | A | A | C | A | A | A | A |  |
| [Redact] | 9131286 | [Redact] |  |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9131285 | [Redact] |  |  | C | A | A | C | A | A | A | A |  |
| [Redact] | 9131289 | [Redact] |  |  | C | A | A | C | A | A | A | A |  |
| [Redact] | 9131290 | [Redact] |  |  | C | A | A | C | A | A | A | A |  |
| [Redact] | 9131291 | [Redact] |  |  | C | A | A | C | A | A | A | A |  |
| [Redact] | 9131292 | [Redact] |  |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9080787 | [Redact] |  |  | C | A | D | D | B | A | A | B |  |
| [Redact] | 9108215 | [Redact] |  |  | C | A | A | C | A | A | A | A |  |
| [Redact] | 9081464 | [Redact] |  |  | C | B | A | C | A | B | A | B |  |
| [Redact] | 9111617 | [Redact] |  |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9102222 | [Redact] |  |  | C | B | A | C | A | B | A | B |  |
| [Redact] | 9085837 | [Redact] |  |  | C | A | A | C | A | A | A | A |  |
| [Redact] | 9176101 | [Redact] | [Redact] |  | A |  | A | A | A |  | A | A |  |
| [Redact] | 9178206 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9075122 | [Redact] |  |  | C | A | A | C | A | A | A | A |  |
| [Redact] | 9123862 | [Redact] |  |  | C | B | A | C | A | A | A | A |  |
| [Redact] | 9121987 | [Redact] |  |  | A | C | A | C | A | B | A | B |  |
| [Redact] | 9085578 | [Redact] |  |  | C | B | A | C | A | B | A | B |  |
| [Redact] | 9180671 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9182317 | [Redact] | [Redact] |  | A |  | A | A | A |  | A | A |  |
| [Redact] | 9183098 | [Redact] | [Redact] |  | A |  | A | A | A |  | A | A |  |
| [Redact] | 9137906 | [Redact] |  |  | C |  | A | C | A |  | A | A |  |
| [Redact] | 9137859 | [Redact] |  |  | C |  | A | C | A |  | A | A |  |
| [Redact] | 9137781 | [Redact] |  |  | C |  | A | C | A |  | A | A |  |
| [Redact] | 9193688 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9193692 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9110378 | [Redact] |  |  | C | C | A | C | B | A | A | B |  |
| [Redact] | 9092480 | [Redact] |  |  | C | A | A | C | A | A | A | A |  |
| [Redact] | 9135948 | [Redact] |  |  | C | C | A | C | A | B | A | B |  |
| [Redact] | 9138220 | [Redact] |  |  | C | A | A | C | A | A | A | A |  |
| [Redact] | 9120624 | [Redact] |  |  | C D | A | A | C D | A | A | A | A |  |
| [Redact] | 9132519 | [Redact] |  |  | C | A | A | C | A | A | A | A |  |
| [Redact] | 9158543 | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| [Redact] | 9158368 | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| [Redact] | 9137822 | [Redact] |  |  | A | C | A | C | A | A | A | A |  |
| [Redact] | 9158419 | [Redact] |  |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9158474 | [Redact] |  |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9137831 | [Redact] |  |  | B | A | A | B | B | A | A | B |  |
| [Redact] | 9183106 | [Redact] |  |  | C | A | A | C | A | A | A | A |  |
| [Redact] | 9183109 | [Redact] |  |  | B | A | A | B | A | A | A | A |  |
| [Redact] | 9183105 | [Redact] |  |  | A | B | A | B | A | A | A | A |  |
| [Redact] | 9183103 | [Redact] |  |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9183114 | [Redact] |  |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9183112 | [Redact] |  |  | C | C | A | C | A | A | A | A |  |
| [Redact] | 9183107 | [Redact] |  |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9183118 | [Redact] |  |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9183113 | [Redact] |  |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9183110 | [Redact] |  |  | C | A | A | C | B | A | A | B |  |
| [Redact] | 9183128 | [Redact] |  |  | C | A | A | C | A | A | A | A |  |
| [Redact] | 9183123 | [Redact] |  |  | C | A | A | C | A | A | A | A |  |
| [Redact] | 9183124 | [Redact] |  |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9183116 | [Redact] |  |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9183130 | [Redact] |  |  | C | A | A | C | A | A | A | A |  |
| [Redact] | 9183111 | [Redact] |  |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9183134 | [Redact] |  |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9183131 | [Redact] |  |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9183121 | [Redact] |  |  | C | A | A | C | A | A | A | A |  |
| [Redact] | 9183119 | [Redact] |  |  | C | A | A | C | A | A | A | A |  |
| [Redact] | 9183136 | [Redact] |  |  | A | B | A | B | A | A | A | A |  |
| [Redact] | 9183135 | [Redact] |  |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9183129 | [Redact] |  |  | C | A | A | C | A | A | A | A |  |
| [Redact] | 9183132 | [Redact] |  |  | C D | C | A | C D | A | A | A | A |  |
| [Redact] | 9183120 | [Redact] |  |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9183125 | [Redact] |  |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9183117 | [Redact] |  |  | C | C | A | C | B | A | A | B |  |
| [Redact] | 9183133 | [Redact] |  |  | A | A | A | A | A | A | A | A |  |

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## Exhibit 99.2

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

**Exhibit 99.2 – Schedule 3**

![](situs-logo.jpg)

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| |
|:---|
| **Data Compare (Non-Ignored)** |
| **Run Date - 7/30/2025 1:22:28 PM** |

---

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Servicer Loan ID** | **Investor Loan Number** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Compare Status** | **Comment** |
| [Redact] | 7045096 | [Redact] |  |  | Borrower FTHB | 1 | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| [Redact] | 8064352 | [Redact] |  | [Redact] | Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 8198633 | [Redact] |  | [Redact] | Doc Type | Asset Depletion | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| [Redact] | 8179839 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 8179839 | [Redact] |  |  | Original Loan Amount | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| [Redact] | 8179839 | [Redact] |  |  | Original CLTV | 73.38 | 75 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| [Redact] | 8179839 | [Redact] |  |  | Original LTV | 73.38 | 75 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| [Redact] | 8179839 | [Redact] |  |  | Investor: Qualifying Total Debt Ratio | 49.05 | 41.41718 | Verified | Field Value DTI is higher than Tape value but not < 43% as required by QM/TQM |
| [Redact] | 9061656 | [Redact] |  | [Redact] | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9073329 | [Redact] |  | [Redact] | Original Loan Amount | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| [Redact] | 9073329 | [Redact] |  | [Redact] | Doc Type | Asset Depletion | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| [Redact] | 9081486 | [Redact] |  | [Redact] | Representative FICO | 751 | 767 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9081486 | [Redact] |  | [Redact] | Doc Type | Asset Depletion | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| [Redact] | 9081486 | [Redact] |  | [Redact] | Original CLTV | 50 | 38.70968 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| [Redact] | 9084459 | [Redact] |  | [Redact] | City | [Redact] | [Redact] | Verified | Field Value reflects City per Note |
| [Redact] | 9084459 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 26.549 | 39.24728 | Verified | 1008 DTI 39.246% |
| [Redact] | 9090327 | [Redact] |  | [Redact] | Representative FICO | 672 | 668 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9090327 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 36.197 | 48.60692 | Verified | 1008 DTI 47.747% |
| [Redact] | 9090374 | [Redact] |  | [Redact] | Doc Type | Asset Depletion | 24mo Bank Statement | Verified | Field Value reflects documentation located in origination file |
| [Redact] | 9092479 | [Redact] |  | [Redact] | Original Loan Amount | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| [Redact] | 9092479 | [Redact] |  | [Redact] | Doc Type | Asset Depletion | 12mo Bank Statement | Verified | Field Value reflects documentation located in origination file |
| [Redact] | 9096272 | [Redact] |  | [Redact] | Original CLTV | 75 | 76.53061 | Verified | IPC exceeded guideline max. Sales price was reduced by the excessive IPC's and LTV/CLTV re-calculated |
| [Redact] | 9099369 | [Redact] |  | [Redact] | Borrower SSN | [Redact] | [Redact] | Verified | Field Value verified by application or other documentation in file |
| [Redact] | 9099369 | [Redact] |  | [Redact] | Representative FICO | 720 | 732 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9099369 | [Redact] |  | [Redact] | Doc Type | Asset Depletion | 12mo Bank Statement | Verified | Field Value reflects documentation located in origination file |
| [Redact] | 9099369 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 15.093 | 20.96858 | Verified | 1008 DTI 20.963% |
| [Redact] | 9100013 | [Redact] |  | [Redact] | Representative FICO | 781 | 782 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9100013 | [Redact] |  | [Redact] | Property Type | Single Family Detached | Condo (Low Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9100013 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 21.77 | 25.68004 | Verified | 1008 25.681% |
| [Redact] | 9100043 | [Redact] |  | [Redact] | Original Loan Amount | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| [Redact] | 9100043 | [Redact] |  | [Redact] | Doc Type | Asset Depletion | 12mo Bank Statement | Verified | Field Value reflects documentation located in origination file |
| [Redact] | 9102219 | [Redact] |  | [Redact] | Property Type | Single Family Detached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9102603 | [Redact] |  | [Redact] | Doc Type | 12mo Bank Statement | 24mo Bank Statement | Verified | Field Value reflects documentation located in origination file |
| [Redact] | 9109348 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 10.059 | 16.3476 | Verified | 1008 DTI 16.404% |
| [Redact] | 9101564 | [Redact] |  |  | Borrower Mailing Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9101564 | [Redact] |  |  | Borrower Mailing City | [Redact] | [Redact] | Verified | Field Value reflects City per Note |
| [Redact] | 9101564 | [Redact] |  |  | Borrower Mailing Zip | [Redact] | [Redact] | Verified | Field Value reflects Zip per Note |
| [Redact] | 9111493 | [Redact] |  | [Redact] | Doc Type | 2yr Full Doc | Asset Depletion | Verified | Field Value reflects documentation located in origination file |
| [Redact] | 9113662 | [Redact] |  | [Redact] | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9113662 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 22.656 | 35.9966 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| [Redact] | 9113667 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9113666 | [Redact] |  | [Redact] | Doc Type | 24mo Bank Statement | 12mo Bank Statement | Verified | Field Value reflects documentation located in origination file |
| [Redact] | 9113666 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 32.412 | 41.38485 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| [Redact] | 9115188 | [Redact] |  | [Redact] | Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9115188 | [Redact] |  | [Redact] | City | [Redact] | [Redact] | Verified | Field Value reflects City per Note |
| [Redact] | 9115188 | [Redact] |  | [Redact] | Original Loan Amount | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| [Redact] | 9117075 | [Redact] |  | [Redact] | Doc Type | Asset Depletion | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| [Redact] | 9117075 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 28.363 | 38.58243 | Verified | 1008 DTI 39.473% |
| [Redact] | 9117076 | [Redact] |  | [Redact] | Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9117311 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 29 | 36.67957 | Verified | DTI 1008 36.904% |
| [Redact] | 9118336 | [Redact] |  | [Redact] | Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9118350 | [Redact] |  | [Redact] | Doc Type | Asset Depletion | 2yr 1099 | Verified | Field Value reflects documentation located in origination file |
| [Redact] | 9118350 | [Redact] |  | [Redact] | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| [Redact] | 9118363 | [Redact] |  | [Redact] | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9118363 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 1.077 | 47.37092 | Verified | 1008 DTI 47.367% |
| [Redact] | 9119166 | [Redact] |  | [Redact] | Doc Type | 1yr Full Doc | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| [Redact] | 9119166 | [Redact] |  | [Redact] | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| [Redact] | 9119494 | [Redact] |  | [Redact] | Original CLTV | 42.86 | 45.80153 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| [Redact] | 9119497 | [Redact] |  | [Redact] | Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9119497 | [Redact] |  | [Redact] | Doc Type | Asset Depletion | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| [Redact] | 9120521 | [Redact] |  | [Redact] | City | [Redact] | [Redact] | Verified | Field Value reflects City per Note |
| [Redact] | 9120521 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 24.41 | 27.72445 | Verified | 1008 DTI 27.722% |
| [Redact] | 9120523 | [Redact] |  | [Redact] | Doc Type | 1yr Full Doc | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| [Redact] | 9120602 | [Redact] |  | [Redact] | Doc Type | Asset Depletion | 12mo Bank Statement | Verified | Field Value reflects documentation located in origination file |
| [Redact] | 9121974 | [Redact] |  | [Redact] | Borrower First Name | [Redact] | [Redact] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [Redact] | 9121974 | [Redact] |  | [Redact] | Has FTHB | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9122000 | [Redact] |  | [Redact] | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9122000 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 30.55 | 34.13909 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| [Redact] | 9122000 | [Redact] |  | [Redact] | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| [Redact] | 9122002 | [Redact] |  | [Redact] | Borrower Last Name | [Redact] | [Redact] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [Redact] | 9122002 | [Redact] |  | [Redact] | Doc Type | Asset Depletion | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| [Redact] | 9122002 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 45.31 | 48.60981 | Verified | 1008 DTI 48.609% |
| [Redact] | 9122523 | [Redact] |  | [Redact] | Doc Type | 1yr Full Doc | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| [Redact] | 9122523 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 45 | 34.81843 | Verified | 1008 DTI 34.815% |
| [Redact] | 9122768 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9122762 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9126868 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9126872 | [Redact] |  | [Redact] | Has FTHB | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9128282 | [Redact] |  | [Redact] | Borrower First Name | [Redact] | [Redact] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [Redact] | 9128282 | [Redact] |  | [Redact] | Representative FICO | 710 | 727 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9128282 | [Redact] |  | [Redact] | Doc Type | Asset Depletion | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| [Redact] | 9128282 | [Redact] |  | [Redact] | Has FTHB | 0 | 1 | Verified | Field value reflects source document |
| [Redact] | 9128282 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9128287 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9129354 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9129357 | [Redact] |  | [Redact] | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9131150 | [Redact] |  | [Redact] | Borrower Last Name | [Redact] | [Redact] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [Redact] | 9131305 | [Redact] |  | [Redact] | Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9131305 | [Redact] |  | [Redact] | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9131479 | [Redact] |  | [Redact] | Original Loan Amount | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| [Redact] | 9131479 | [Redact] |  | [Redact] | Representative FICO | 724 | 749 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9131479 | [Redact] |  | [Redact] | Doc Type | Asset Depletion | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| [Redact] | 9131479 | [Redact] |  | [Redact] | Has FTHB | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9131479 | [Redact] |  | [Redact] | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| [Redact] | 9131477 | [Redact] |  | [Redact] | City | [Redact] | [Redact] | Verified | Field Value reflects City per Note |
| [Redact] | 9131477 | [Redact] |  | [Redact] | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| [Redact] | 9134025 | [Redact] |  | [Redact] | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9134025 | [Redact] |  | [Redact] | Doc Type | Asset Depletion | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| [Redact] | 9134044 | [Redact] |  | [Redact] | Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9134044 | [Redact] |  | [Redact] | Refi Purpose | Cash-out | Limited Cash-out GSE | Verified | Field Value reflects borrower not receiving cash out and/or paying off debts > [Redact] or 2% of loan amount per HUD-1/CD |
| [Redact] | 9134494 | [Redact] |  | [Redact] | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9134494 | [Redact] |  | [Redact] | Doc Type | 1yr Full Doc | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| [Redact] | 9134549 | [Redact] |  | [Redact] | Borrower Last Name | [Redact] | [Redact] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [Redact] | 9134549 | [Redact] |  | [Redact] | Has FTHB | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9134604 | [Redact] |  | [Redact] | Doc Type | Asset Depletion | 12mo Bank Statement | Verified | Field Value reflects documentation located in origination file |
| [Redact] | 9135444 | [Redact] |  | [Redact] | Original Loan Amount | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| [Redact] | 9135444 | [Redact] |  | [Redact] | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9135444 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 3.679 | 28.79845 | Verified | 1008 DTI 28.798% |
| [Redact] | 9135946 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9138208 | [Redact] |  | [Redact] | Borrower First Name | [Redact] | [Redact] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [Redact] | 9138222 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9139726 | [Redact] |  | [Redact] | Borrower First Name | [Redact] | [Redact] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [Redact] | 9139726 | [Redact] |  | [Redact] | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9139726 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 25.667 | 40.08164 | Verified | 1008 DTI 40.082% |
| [Redact] | 9122451 | [Redact] |  |  | Refi Purpose | Rate/Term | Limited Cash-out GSE | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > [Redact] or 2% of loan amount per HUD-1/CD |
| [Redact] | 9122451 | [Redact] |  |  | Borrower Mailing Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9122451 | [Redact] |  |  | Borrower Mailing City | [Redact] | [Redact] | Verified | Field Value reflects City per Note |
| [Redact] | 9122451 | [Redact] |  |  | Borrower Mailing Zip | [Redact] | [Redact] | Verified | Field Value reflects Zip per Note |
| [Redact] | 9122452 | [Redact] |  |  | Borrower Mailing Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9122452 | [Redact] |  |  | Borrower Mailing City | [Redact] | [Redact] | Verified | Field Value reflects City per Note |
| [Redact] | 9122452 | [Redact] |  |  | Borrower Mailing State | [Redact] | [Redact] | Verified | Field Value reflects State per Note |
| [Redact] | 9122452 | [Redact] |  |  | Borrower Mailing Zip | [Redact] | [Redact] | Verified | Field Value reflects Zip per Note |
| [Redact] | 9122456 | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9122456 | [Redact] |  |  | Borrower Mailing Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9122456 | [Redact] |  |  | Borrower Mailing City | [Redact] | [Redact] | Verified | Field Value reflects City per Note |
| [Redact] | 9122456 | [Redact] |  |  | Borrower Mailing Zip | [Redact] | [Redact] | Verified | Field Value reflects Zip per Note |
| [Redact] | 9122460 | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Unable to verify due to missing information |
| [Redact] | 9122460 | [Redact] |  |  | Borrower Mailing Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9122460 | [Redact] |  |  | Borrower Mailing City | [Redact] | [Redact] | Verified | Field Value reflects City per Note |
| [Redact] | 9122460 | [Redact] |  |  | Borrower Mailing State | [Redact] | [Redact] | Verified | Field Value reflects State per Note |
| [Redact] | 9122460 | [Redact] |  |  | Borrower Mailing Zip | [Redact] | [Redact] | Verified | Unable to verify due to missing information |
| [Redact] | 9122476 | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Lender did not include City taxes in PITIA |
| [Redact] | 9122476 | [Redact] |  |  | Borrower Mailing Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9122476 | [Redact] |  |  | Borrower Mailing City | [Redact] | [Redact] | Verified | Field Value reflects City per Note |
| [Redact] | 9122476 | [Redact] |  |  | Borrower Mailing State | [Redact] | [Redact] | Verified | Field Value reflects State per Note |
| [Redact] | 9122476 | [Redact] |  |  | Borrower Mailing Zip | [Redact] | [Redact] | Verified | Field Value reflects Zip per Note |
| [Redact] | 9122476 | [Redact] |  |  | Subject Debt Service Coverage Ratio | 1.39 | 1.22 | Verified | Lender did not include City taxes in PITIA |
| [Redact] | 9122482 | [Redact] |  |  | Refi Purpose | Rate/Term | Limited Cash-out GSE | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > [Redact] or 2% of loan amount per HUD-1/CD |
| [Redact] | 9122482 | [Redact] |  |  | Borrower Citizenship | US Citizen |  | Verified | Unable to verify due to missing information |
| [Redact] | 9122482 | [Redact] |  |  | Borrower Mailing Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9122482 | [Redact] |  |  | Borrower Mailing City | [Redact] | [Redact] | Verified | Field Value reflects City per Note |
| [Redact] | 9122482 | [Redact] |  |  | Borrower Mailing Zip | [Redact] | [Redact] | Verified | Field Value reflects Zip per Note |
| [Redact] | 9122488 | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9122488 | [Redact] |  |  | Borrower Mailing Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9122488 | [Redact] |  |  | Borrower Mailing City | [Redact] | [Redact] | Verified | Field Value reflects City per Note |
| [Redact] | 9122488 | [Redact] |  |  | Borrower Mailing Zip | [Redact] | [Redact] | Verified | Field Value reflects Zip per Note |
| [Redact] | 9122509 | [Redact] |  |  | Property Type | Single Family Detached | Single Family Attached | Verified | Unable to verify due to missing information |
| [Redact] | 9122509 | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9122509 | [Redact] |  |  | Borrower Mailing Street | [Redact] | [Redact] | Verified | Unable to verify due to missing information |
| [Redact] | 9122509 | [Redact] |  |  | Borrower Mailing City | [Redact] | [Redact] | Verified | Field Value reflects City per Note |
| [Redact] | 9122509 | [Redact] |  |  | Borrower Mailing State | [Redact] | [Redact] | Verified | Field Value reflects State per Note |
| [Redact] | 9122509 | [Redact] |  |  | Borrower Mailing Zip | [Redact] | [Redact] | Verified | Field Value reflects Zip per Note |
| [Redact] | 9122510 | [Redact] |  |  | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9122510 | [Redact] |  |  | Borrower Mailing Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9122510 | [Redact] |  |  | Borrower Mailing City | [Redact] | [Redact] | Verified | Field Value reflects City per Note |
| [Redact] | 9122510 | [Redact] |  |  | Borrower Mailing Zip | [Redact] | [Redact] | Verified | Field Value reflects Zip per Note |
| [Redact] | 9122511 | [Redact] |  |  | Borrower Mailing Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9122511 | [Redact] |  |  | Borrower Mailing City | [Redact] | [Redact] | Verified | Field Value reflects City per Note |
| [Redact] | 9122511 | [Redact] |  |  | Borrower Mailing Zip | [Redact] | [Redact] | Verified | Field Value reflects Zip per Note |
| [Redact] | 9085452 | [Redact] |  |  | Refi Purpose |  | Limited Cash-out GSE | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > [Redact] or 2% of loan amount per HUD-1/CD |
| [Redact] | 9140909 | [Redact] |  | [Redact] | Original Loan Amount | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| [Redact] | 9140909 | [Redact] |  | [Redact] | Doc Type | 1yr P&L w/o Bank Statements | Asset Depletion | Verified | Field Value reflects documentation located in origination file |
| [Redact] | 9141065 | [Redact] |  | [Redact] | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9146434 | [Redact] |  | [Redact] | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| [Redact] | 9146979 | [Redact] |  | [Redact] | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9152898 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9152904 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9154411 | [Redact] |  | [Redact] | Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9154411 | [Redact] |  | [Redact] | Representative FICO | 730 | 734 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9154411 | [Redact] |  | [Redact] | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9154415 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9135952 | [Redact] |  |  | Borrower Mailing Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9135952 | [Redact] |  |  | Borrower Mailing City | [Redact] | [Redact] | Verified | Field Value reflects City per Note |
| [Redact] | 9135952 | [Redact] |  |  | Borrower Mailing State | [Redact] | [Redact] | Verified | Field Value reflects State per Note |
| [Redact] | 9135952 | [Redact] |  |  | Borrower Mailing Zip | [Redact] | [Redact] | Verified | Field Value reflects Zip per Note |
| [Redact] | 9135965 | [Redact] |  |  | Borrower Mailing Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9135965 | [Redact] |  |  | Borrower Mailing City | [Redact] | [Redact] | Verified | Field Value reflects City per Note |
| [Redact] | 9135965 | [Redact] |  |  | Borrower Mailing State | [Redact] | [Redact] | Verified | Field Value reflects State per Note |
| [Redact] | 9135965 | [Redact] |  |  | Borrower Mailing Zip | [Redact] | [Redact] | Verified | Field Value reflects Zip per Note |
| [Redact] | 9135975 | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Lender did not include school taxes in the PITIA |
| [Redact] | 9135975 | [Redact] |  |  | Borrower Mailing Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9135975 | [Redact] |  |  | Guarantor 1 Last Name | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9135975 | [Redact] |  |  | Subject Debt Service Coverage Ratio | 1.18 | 1.07 | Verified | Lender did not include school taxes in the PITIA |
| [Redact] | 9135980 | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Lender qualified with lower HOI than the updated dec pages in file |
| [Redact] | 9135980 | [Redact] |  |  | Subject Debt Service Coverage Ratio | 1.16 | 1.07 | Verified | Lender qualified with lower HOI than the updated dec pages in file |
| [Redact] | 9136010 | [Redact] |  |  | Representative FICO | 676 | 721 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9136010 | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9136025 | [Redact] |  |  | Representative FICO | 691 | 706 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9136025 | [Redact] |  |  | Borrower Mailing Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9136025 | [Redact] |  |  | Borrower Mailing City | [Redact] | [Redact] | Verified | Field Value reflects City per Note |
| [Redact] | 9136025 | [Redact] |  |  | Borrower Mailing State | [Redact] | [Redact] | Verified | Field Value reflects State per Note |
| [Redact] | 9136025 | [Redact] |  |  | Borrower Mailing Zip | [Redact] | [Redact] | Verified | Field Value reflects Zip per Note |
| [Redact] | 9158960 | [Redact] |  | [Redact] | Borrower First Name | [Redact] | [Redact] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [Redact] | 9160224 | [Redact] |  | [Redact] | Borrower Last Name | [Redact] | [Redact] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [Redact] | 9160224 | [Redact] |  | [Redact] | Has FTHB | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9162979 | [Redact] |  | [Redact] | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9162978 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9153165 | [Redact] |  |  | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| [Redact] | 9153165 | [Redact] |  |  | Refi Purpose | Rate/Term | Limited Cash-out GSE | Verified | Field Value reflects borrower not receiving cash out and/or paying off debts > [Redact] or 2% of loan amount per HUD-1/CD |
| [Redact] | 9153165 | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9153185 | [Redact] |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9153198 | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9166201 | [Redact] |  | [Redact] | Original Interest Rate | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| [Redact] | 9166226 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9171600 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 8.817 | 43.46917 | Verified | 1008 DTI 43.605% |
| [Redact] | 9171600 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9173438 | [Redact] |  | [Redact] | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9131275 | [Redact] |  |  | Note Date |  | [Redact] | Verified | The Bid Tape Field Value was not provided. |
| [Redact] | 9131277 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 9131279 | [Redact] |  |  | Note Date |  | [Redact] | Verified | The Bid Tape Field Value was not provided. |
| [Redact] | 9131274 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 9131274 | [Redact] |  |  | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| [Redact] | 9131274 | [Redact] |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9131274 | [Redact] |  |  | Investor: Qualifying Total Debt Ratio | 21.9505 | 28.93321 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| [Redact] | 9131284 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 9131284 | [Redact] |  |  | Decision System |  | DU | Verified | Field value reflects source document |
| [Redact] | 9131278 | [Redact] |  |  | Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9131278 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 9131278 | [Redact] |  |  | Decision System |  | DU | Verified | Field value reflects source document |
| [Redact] | 9131283 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 9131283 | [Redact] |  |  | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9131283 | [Redact] |  |  | Refi Purpose |  | Rate/Term | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > [Redact] or 2% of loan amount per HUD-1/CD |
| [Redact] | 9131286 | [Redact] |  |  | Note Date |  | [Redact] | Verified | The Bid Tape Field Value was not provided. |
| [Redact] | 9131285 | [Redact] |  |  | Note Date |  | [Redact] | Verified | The Bid Tape Field Value was not provided |
| [Redact] | 9131285 | [Redact] |  |  | Borrower FTHB | 0 | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| [Redact] | 9131285 | [Redact] |  |  | Investor: Qualifying Total Debt Ratio | 24.7437 | 32.85455 | Verified | Field Value DTI matches 1008 DTI. |
| [Redact] | 9131289 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 9131289 | [Redact] |  |  | Investor: Qualifying Total Debt Ratio | 34.299 | 42.03194 | Verified | YTD P&L average income monthly calculates lower income for "[Redact]" |
| [Redact] | 9131290 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 9131290 | [Redact] |  |  | Investor: Qualifying Total Debt Ratio | 45.843 | 41.28707 | Verified | matching with updated 1008 |
| [Redact] | 9131290 | [Redact] |  |  | Decision System |  | DU | Verified | Field value reflects source document |
| [Redact] | 9131291 | [Redact] |  |  | Note Date |  | [Redact] | Verified | The Bid Tape Field Value was not provided. |
| [Redact] | 9131291 | [Redact] |  |  | Investor: Qualifying Total Debt Ratio | 29.646 | 34.88652 | Verified | Field Value DTI matches 1008 DTI. |
| [Redact] | 9131292 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 9131292 | [Redact] |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9131292 | [Redact] |  |  | Investor: Qualifying Total Debt Ratio | 20.855 | 24.33699 | Verified | Per 1008 DTI is 24.337% and calculated DTI is 24.337% |
| [Redact] | 9080787 | [Redact] |  |  | Borrower Last Name | [Redact] | [Redact] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [Redact] | 9080787 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 9080787 | [Redact] |  |  | Refi Purpose |  | Limited Cash-out GSE | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > [Redact] or 2% of loan amount per HUD-1/CD |
| [Redact] | 9080787 | [Redact] |  |  | Investor: Qualifying Total Debt Ratio | 21.052 | 24.15858 | Verified | Per 1008 DTI is 24.139% and calculated DTI is 24.158% due to the Borrowers income of [Redact] as [Redact] bank statement only has a [Redact] credit being excluded and worksheet states [Redact].Also the subject negative income is [Redact] vs 1008 of [Redact]-PITIA matches First payment letter |
| [Redact] | 9108215 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 9108215 | [Redact] |  |  | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| [Redact] | 9108215 | [Redact] |  |  | Investor: Qualifying Total Debt Ratio | 30 | 19.02162 | Verified | Approved DTI 15.150 vs review DTI 19.021%...Qualified using the 20-year fully amortizing payment whereas lender used IO only payment. |
| [Redact] | 9081464 | [Redact] |  |  | Note Date |  | [Redact] | Verified | The Bid Tape Field Value was not provided. |
| [Redact] | 9081464 | [Redact] |  |  | Original CLTV | 43.33 | 35.61644 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| [Redact] | 9081464 | [Redact] |  |  | Original LTV | 43.33 | 35.61644 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| [Redact] | 9111617 | [Redact] |  |  | Note Date |  | [Redact] | Verified | The Bid Tape Field Value was not provided. |
| [Redact] | 9111617 | [Redact] |  |  | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| [Redact] | 9111617 | [Redact] |  |  | Investor: Qualifying Total Debt Ratio | 20 | 13.87277 | Verified | DTI is higher than 1008 due to Additional REO amount being higher than reflected on 1008. |
| [Redact] | 9102222 | [Redact] |  |  | Note Date |  | [Redact] | Verified | The Bid Tape Field Value was not provided. |
| [Redact] | 9102222 | [Redact] |  |  | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| [Redact] | 9102222 | [Redact] |  |  | Refi Purpose |  | Rate/Term | Verified | The Bid Tape Field Value was not provided. |
| [Redact] | 9085837 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 9085837 | [Redact] |  |  | Original CLTV | 34.29 | 39.50617 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| [Redact] | 9085837 | [Redact] |  |  | Original LTV | 34.29 | 39.50617 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| [Redact] | 9178206 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9075122 | [Redact] |  |  | Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9075122 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 9075122 | [Redact] |  |  | Representative FICO | 749 | 758 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9075122 | [Redact] |  |  | Refi Purpose |  | Rate/Term | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > [Redact] or 2% of loan amount per HUD-1/CD |
| [Redact] | 9075122 | [Redact] |  |  | Investor: Qualifying Total Debt Ratio | 10 | 45.41522 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| [Redact] | 9075122 | [Redact] |  |  | Decision System | DU |  | Verified | Field value reflects source document |
| [Redact] | 9123862 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 9123862 | [Redact] |  |  | Property Type | Single Family Detached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9121987 | [Redact] |  |  | Note Date |  | [Redact] | Verified | The Bid Tape Field Value was not provided. |
| [Redact] | 9121987 | [Redact] |  |  | Investor: Qualifying Total Debt Ratio | 46.05 | 40.93953 | Verified | Field Value DTI is within tolerance of 1008 DTI of 41.520%. [Redact] was excluded due to less than 10 payments. Lender included in DTI. |
| [Redact] | 9085578 | [Redact] |  |  | Note Date | [Redact] | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 9085578 | [Redact] |  |  | Original Loan Amount | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| [Redact] | 9085578 | [Redact] |  |  | Original Interest Rate | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| [Redact] | 9085578 | [Redact] |  |  | Subject Debt Service Coverage Ratio | 1.20 | 1.22 | Verified | Field value reflects source document |
| [Redact] | 9180671 | [Redact] |  | [Redact] | Borrower First Name | [Redact] | [Redact] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [Redact] | 9180671 | [Redact] |  | [Redact] | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9180671 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 13.212 | 24.079 | Verified | 1008 DTI 24.284% |
| [Redact] | 9182317 | [Redact] |  | [Redact] | City | [Redact] | [Redact] | Verified | Field Value reflects City per Note |
| [Redact] | 9182317 | [Redact] |  | [Redact] | Property Type | PUD | PUD Attached | Verified | Unable to verify due to missing information |
| [Redact] | 9137906 | [Redact] |  |  | Prepayment Penalty Period (months) |  | 60 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| [Redact] | 9137859 | [Redact] |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9137859 | [Redact] |  |  | Prepayment Penalty Period (months) |  | 36 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| [Redact] | 9137781 | [Redact] |  |  | Prepayment Penalty Period (months) |  | 60 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| [Redact] | 9193688 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 10.092 | 15.35459 | Verified | Lender excluded the PITIA for one of the REO's |
| [Redact] | 9193692 | [Redact] |  | [Redact] | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9110378 | [Redact] |  |  | Note Date |  | [Redact] | Verified | The Bid Tape Field Value was not provided. |
| [Redact] | 9110378 | [Redact] |  |  | Investor: Qualifying Total Debt Ratio | 2.7465 | 11.55947 | Verified | Field Value DTI is within tolerance of 1008 DTI. Credit Debt is higher than reflected on 1008 |
| [Redact] | 9092480 | [Redact] |  |  | Note Date |  | [Redact] | Verified | The Bid Tape Field Value was not provided. |
| [Redact] | 9092480 | [Redact] |  |  | Representative FICO | 786 | 792 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9135948 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 9135948 | [Redact] |  |  | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| [Redact] | 9138220 | [Redact] |  |  | Note Date |  | [Redact] | Verified | The Bid Tape Field Value was not provided |
| [Redact] | 9138220 | [Redact] |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9138220 | [Redact] |  |  | Refi Purpose |  | Limited Cash-out GSE | Verified | The Bid Tape Field Value was not provided |
| [Redact] | 9138220 | [Redact] |  |  | Investor: Qualifying Total Debt Ratio | 30.2118 | 46.87251 | Verified | Field Value DTI is within tolerance of the 1008 DTI of 46.787% |
| [Redact] | 9120624 | [Redact] |  |  | Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9120624 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 9120624 | [Redact] |  |  | Original CLTV | 70 | 68.14815 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| [Redact] | 9120624 | [Redact] |  |  | Original LTV | 70 | 68.14815 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| [Redact] | 9132519 | [Redact] |  |  | Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9132519 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 9132519 | [Redact] |  |  | Refi Purpose |  | Rate/Term | Verified | Field Value reflects borrower not receiving cash out and/or paying off debts > [Redact] or 2% of loan amount per HUD-1/CD |
| [Redact] | 9158543 | [Redact] |  |  | Prepayment Penalty Period (months) |  | 36 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| [Redact] | 9158368 | [Redact] |  |  | Prepayment Penalty Period (months) |  | 60 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| [Redact] | 9137822 | [Redact] |  |  | Appraised Value | [Redact] | [Redact] | Verified | Field Value captured from Valuation model in file |
| [Redact] | 9137822 | [Redact] |  |  | Original LTV | 66.667 | 65.30612 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| [Redact] | 9183106 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 9183106 | [Redact] |  |  | Decision System |  | DU | Verified | Field value reflects source document |
| [Redact] | 9183109 | [Redact] |  |  | Note Date |  | [Redact] | Verified | The Bid Tape Field Value was not provided. |
| [Redact] | 9183109 | [Redact] |  |  | Decision System |  | DU | Verified | The Bid Tape Field Value was not provided. |
| [Redact] | 9183105 | [Redact] |  |  | Borrower Last Name | [Redact] | [Redact] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [Redact] | 9183105 | [Redact] |  |  | Note Date |  | [Redact] | Verified | The Bid Tape Field Value was not provided. |
| [Redact] | 9183105 | [Redact] |  |  | Representative FICO | 790 | 794 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9183103 | [Redact] |  |  | Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9183103 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 9183103 | [Redact] |  |  | Original Interest Rate | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| [Redact] | 9183103 | [Redact] |  |  | Investor: Qualifying Total Debt Ratio | 36.115 | 39.6041 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| [Redact] | 9183103 | [Redact] |  |  | Decision System |  | DU | Verified | Field value reflects source document |
| [Redact] | 9183114 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 9183112 | [Redact] |  |  | Note Date |  | [Redact] | Verified | The Bid Tape Field Value was not provided. |
| [Redact] | 9183112 | [Redact] |  |  | Decision System |  | DU | Verified | The Bid Tape Field Value was not provided. |
| [Redact] | 9183107 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 9183118 | [Redact] |  |  | Note Date |  | [Redact] | Verified | The Bid Tape Field Value was not provided. |
| [Redact] | 9183113 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 9183110 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 9183110 | [Redact] |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9183110 | [Redact] |  |  | Investor: Qualifying Total Debt Ratio | 44.92 | 48.3257 | Verified | Per AUS DTI is 48.33% and calculated DTI is 48.33% |
| [Redact] | 9183110 | [Redact] |  |  | Decision System |  | DU | Verified | Field value reflects source document |
| [Redact] | 9183128 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 9183123 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 9183123 | [Redact] |  |  | Decision System |  | LP / LPA | Verified | Field value reflects source document |
| [Redact] | 9183124 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 9183124 | [Redact] |  |  | Decision System |  | DU | Verified | Field value reflects source document |
| [Redact] | 9183116 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 9183116 | [Redact] |  |  | Representative FICO | 802 | 800 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9183130 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 9183130 | [Redact] |  |  | Representative FICO | 774 | 767 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9183130 | [Redact] |  |  | Investor: Qualifying Total Debt Ratio | 36.1455 | 39.83672 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| [Redact] | 9183130 | [Redact] |  |  | Decision System |  | DU | Verified | Field value reflects source document |
| [Redact] | 9183111 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 9183134 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 9183134 | [Redact] |  |  | Decision System |  | DU | Verified | Field value reflects source document |
| [Redact] | 9183131 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 9183131 | [Redact] |  |  | Investor: Qualifying Total Debt Ratio | 49.0407 | 42.72283 | Verified | Field value is lower |
| [Redact] | 9183121 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 9183121 | [Redact] |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9183121 | [Redact] |  |  | Decision System |  | DU | Verified | Field value reflects source document |
| [Redact] | 9183119 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 9183119 | [Redact] |  |  | Decision System |  | DU | Verified | Field value reflects source document |
| [Redact] | 9183136 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 9183135 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 9183129 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 9183129 | [Redact] |  |  | Investor: Qualifying Total Debt Ratio | 21.4487 | 24.75552 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| [Redact] | 9183132 | [Redact] |  |  | Note Date |  | [Redact] | Verified | The Bid Tape Field Value was not provided. |
| [Redact] | 9183120 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 9183120 | [Redact] |  |  | Investor: Qualifying Total Debt Ratio | 10.507 | 13.59442 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| [Redact] | 9183125 | [Redact] |  |  | Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9183125 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 9183117 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 9183117 | [Redact] |  |  | Original Loan Amount | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| [Redact] | 9183117 | [Redact] |  |  | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| [Redact] | 9183117 | [Redact] |  |  | Investor: Qualifying Total Debt Ratio | 29.614 | 14.29429 | Verified | Per 1008 DTI is 14.294% and calculated DTI is 14.294% |
| [Redact] | 9183133 | [Redact] |  |  | Note Date |  | [Redact] | Verified | The Bid Tape Field Value was not provided. |
| [Redact] | 9183133 | [Redact] |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9183133 | [Redact] |  |  | Investor: Qualifying Total Debt Ratio | 28.406 | 34.63173 | Verified | Field Value DTI is within tolerance of 1008 DTI of 34.633%. |

---

## Exhibit 99.2

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

**Exhibit 99.2 – Schedule 4**

![](situs-logo.jpg)

---

| |
|:---|
| **Valuation Report** |
| **Run Date - 7/30/2025 1:28:19 PM** |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Note Date** | **Original Loan Amount** | **Sales Price** | **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** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **LCA Risk Score** | **Collateral Underwriter Risk Score** |
| [Redact] | 7045096 | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 2.60 |
| [Redact] | 8064352 | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [Redact] | 8083094 | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
| [Redact] | 8083151 | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.70 |
| [Redact] | 8198633 | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 8179839 | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [Redact] | 9061656 | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| [Redact] | 9073329 | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9081486 | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9084459 | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9085832 | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
| [Redact] | 9090327 | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9090374 | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| [Redact] | 9092479 | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.20 |
| [Redact] | 9096272 | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.90 |
| [Redact] | 9099369 | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9100013 | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9100043 | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9102219 | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.80 |
| [Redact] | 9102603 | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9109347 | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| [Redact] | 9109348 | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9109351 | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9101564 | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| [Redact] | 9111493 | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| [Redact] | 9111614 | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| [Redact] | 9113662 | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| [Redact] | 9113667 | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
| [Redact] | 9113666 | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.80 |
| [Redact] | 9115188 | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| [Redact] | 9117075 | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| [Redact] | 9117076 | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9117295 | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 999.00 |
| [Redact] | 9117311 | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| [Redact] | 9118336 | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.40 |
| [Redact] | 9118350 | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| [Redact] | 9118363 | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.60 |
| [Redact] | 9119166 | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9119173 | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 999.00 |
| [Redact] | 9119494 | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9119497 | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.80 |
| [Redact] | 9120521 | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9120523 | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9120603 | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9120602 | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.60 |
| [Redact] | 9121974 | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.00 |
| [Redact] | 9122000 | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
| [Redact] | 9122002 | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9122523 | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| [Redact] | 9122768 | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9122769 | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| [Redact] | 9122762 | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
| [Redact] | 9123863 | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9125195 | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9126868 | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| [Redact] | 9126872 | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9127994 | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9128282 | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9128287 | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.20 |
| [Redact] | 9128285 | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9128288 | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| [Redact] | 9115010 | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9129354 | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.80 |
| [Redact] | 9129357 | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| [Redact] | 9129362 | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| [Redact] | 9129364 | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
| [Redact] | 9129365 | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
| [Redact] | 9130131 | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -4.500% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.20 |
| [Redact] | 9130194 | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9131147 | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| [Redact] | 9131150 | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9131143 | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9131144 | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| [Redact] | 9131305 | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9131479 | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.90 |
| [Redact] | 9131477 | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| [Redact] | 9132461 | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| [Redact] | 9132462 | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9132465 | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| [Redact] | 9134031 | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9134021 | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9134025 | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9134049 | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -0.143% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
| [Redact] | 9134045 | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9134044 | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.90 |
| [Redact] | 9134050 | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -5.517% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.30 |
| [Redact] | 9134489 | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 2.907% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| [Redact] | 9134494 | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.00 |
| [Redact] | 9134548 | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.194% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.30 |
| [Redact] | 9134549 | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| [Redact] | 9134604 | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.10 |
| [Redact] | 9134605 | [Redact] | [Redact] |  |  |  |  |  | 0.339% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.50 |
| [Redact] | 9135444 | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| [Redact] | 9135946 | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.50 |
| [Redact] | 9135947 | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9137453 | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9137727 | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.30 |
| [Redact] | 9138208 | [Redact] | [Redact] |  |  |  |  |  | 0.962% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| [Redact] | 9138222 | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
| [Redact] | 9139726 | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| [Redact] | 9122451 | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9122452 | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| [Redact] | 9122456 | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9122460 | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9122470 | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9122476 | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9122482 | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9122488 | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9122490 | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9122509 | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9122510 | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9122511 | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9122513 | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9139969 | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9085452 | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9140909 | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9141065 | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9146416 | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| [Redact] | 9146434 | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9146450 | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9146451 | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.80 |
| [Redact] | 9146979 | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| [Redact] | 9147316 | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.40 |
| [Redact] | 9152898 | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9152904 | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9153351 | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  | 0.000% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
| [Redact] | 9154411 | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| [Redact] | 9154415 | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -1.122% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9135952 | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9135965 | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9135975 | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9135980 | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.00% |  |  |  |
| [Redact] | 9136010 | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9136025 | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9157022 | [Redact] | [Redact] |  |  |  |  |  | 9.231% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Stated |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| [Redact] | 9158960 | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.552% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.70 |
| [Redact] | 9160224 | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| [Redact] | 9160482 | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.20 |
| [Redact] | 9165532 | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.60 |
| [Redact] | 9162979 | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
| [Redact] | 9162978 | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 11.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
| [Redact] | 9153165 | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9153185 | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9153196 | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9153198 | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9166201 | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9166226 | [Redact] | [Redact] |  |  |  |  |  | 11.368% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| [Redact] | 9169280 | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9171600 | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9171895 | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9173438 | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| [Redact] | 9173453 | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| [Redact] | 9173969 | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9131275 | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9131277 | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| [Redact] | 9131279 | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9131274 | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| [Redact] | 9131284 | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| [Redact] | 9131278 | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.90 |
| [Redact] | 9131283 | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.20 |
| [Redact] | 9131286 | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9131285 | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9131289 | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.80 |
| [Redact] | 9131290 | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9131291 | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9131292 | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9080787 | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9108215 | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9081464 | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9111617 | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9102222 | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.003% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9085837 | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9176101 | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9178206 | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9075122 | [Redact] |  |  |  |  |  |  | 0.813% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Stated |  |  |  |  |  |  |  |  |  |  |  | 0.813% |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9123862 | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9121987 | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9085578 | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9180671 | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.00 |
| [Redact] | 9182317 | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9183098 | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9137906 | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  | 27.590% |  | 0.16 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| [Redact] | 9137859 | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [Redact] | 9137781 | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| [Redact] | 9193688 | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.20 |
| [Redact] | 9193692 | [Redact] | [Redact] |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| [Redact] | 9110378 | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9092480 | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9135948 | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
| [Redact] | 9138220 | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9120624 | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9132519 | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| [Redact] | 9158543 | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.037% |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.80 |
| [Redact] | 9158368 | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| [Redact] | 9137822 | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 3.00 |
| [Redact] | 9158419 | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [Redact] | 9158474 | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -3.921% |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| [Redact] | 9137831 | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 12.015% |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 4.00 |
| [Redact] | 9183106 | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9183109 | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9183105 | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9183103 | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9183114 | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| [Redact] | 9183112 | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9183107 | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.50 |
| [Redact] | 9183118 | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
| [Redact] | 9183113 | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| [Redact] | 9183110 | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.70 |
| [Redact] | 9183128 | [Redact] |  |  |  |  |  |  | 7.170% |  |  |  | Appraisal |  |  |  |  |  |  | 7.170% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  | N/A |  | 1.10 |
| [Redact] | 9183123 | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  |
| [Redact] | 9183124 | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9183116 | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9183130 | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9183111 | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| [Redact] | 9183134 | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -2.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.10 |
| [Redact] | 9183131 | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9183121 | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9183119 | [Redact] |  |  |  |  |  |  | 4.000% |  |  |  | Appraisal |  |  |  |  |  |  | 4.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9183136 | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -8.385% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| [Redact] | 9183135 | [Redact] |  |  |  |  |  |  | 5.882% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9183129 | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9183132 | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9183120 | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9183125 | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9183117 | [Redact] |  |  |  |  |  |  | 0.690% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9183133 | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |

---

## Exhibit 99.2

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

**Exhibit 99.2 – Schedule 5**

![](situs-logo.jpg)

---

| |
|:---|
| **Supplemental Data** |
| **Run Date - 7/30/2025 1:28:20 PM** |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **TILA Status Loan Designation** | **Exempt QM/ATR Equivalency** | **CDFI Bank Originated Loan** | **Application Date** | **TRID Tested** | **GSE** | **HOEPA Fees** | **TILA Fees** | **Rate Lock Date** | **Calculated APR** | **Original P&I** | **Qualifying P&I** | **Qualifying Rate** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower2 Length of Employment** | **Co Borrower3 Length of Employment** | **Borrower Foreign National Indicator** | **Co Borrower Foreign National Indicator** | **Co Borrower 2 Foreign National Indicator** | **Co Borrower 3 Foreign National Indicator** | **Borrower Country Name** | **Co Borrower Country Name** | **Co Borrower2 Country Name** | **Co Borrower3 Country Name** | **Residual Income** | **Num Units** | **Annual Property Tax** | **Annual Insurance Costs** | **Monthly Property Tax** | **Monthly Insurance Costs** | **HOA Name** | **HOA Address State** | **Fee Amount** | **Next Due Date** | **HOA Payment Frequency** | **Investor DTI** | **QM DTI** | **Non QM DTI** | **Original Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Updated Credit Report Date** | **Primary Wage Earner Updated FICO Equifax** | **Primary Wage Earner Updated FICO Experian** | **Primary Wage Earner Updated FICO Transunion** | **Secondary Wage Earner Updated FICO Equifax** | **Secondary Wage Earner Updated FICO Experian** | **Secondary Wage Earner Updated FICO Transunion** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Most Recent Updated Co Borrower 2 FICO** | **Most Recent Updated Co Borrower 3 FICO** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Asset Depletion Flag** | **Bank Statements Flag** | **Number of Statements** | **Type of Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **P&L Type** | **Income Doc Detail** | **Tax Return Doc Details** | **Document Level** | **Document Type** | **Most Recent Bankruptcy Type** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy (7, 11)** | **Months Bankruptcy (13)** | **Most Recent Deed-in - Lieu Date** | **Number of Deed-in-Lieu Events** | **Months Deed-in-Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Guideline Name** | **UW Guideline Author** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **HUD 1 Page 1 Credits Total** | **Collateral Underwriter Risk Score** | **AUS Decision System** | **Property Inspection Waiver (PIW)** | **Rating Result** | **Eligible For Rep and Warrant Relief Per Collateral Advisor** | **Is Equity Shared Loan** | **Investor Qualifying Rate** | **Borrower Years of W2s** | **CoBorrower Years of W2s** | **Years of Personal Tax Returns** | **Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Months of Personal Bank Statements** | **Months of Business Bank Statements** | **Months of Profit and Loss Statements** | **Expense Letter** | **DSCR** | **Inverse DSCR** | **Subordinate Lien Type** | **Is Shared Appreciation Mortgage** | **Duration of Payout Months** | **Seller VSH Indicator** | **Seller Indicated VSH Guideline** | **Validated VSH** | **IO Remaining Amortization Term at Recast** | **Maturity Date** | **Borrower Own Funds Cash Amount** | **Borrower Own Funds Percent** | **Is the Note an eNote** | **Borrower WVOE - # of Months of Income provided** | **Co Borrower WVOE - # of Months of Income provided** | **Co Borrower2 WVOE - # of Months of Income provided** | **Co Borrower3 WVOE - # of Months of Income provided** | **Were the origination guidelines utilized for this diligence review?** | **Title Evidence** | **Ownership Type** | **Borrower Type** | **Borrower Designation** | **Co Borrower Type** | **Co Borrower Designation** | **Co Borrower2 Type** | **Co Borrower2 Designation** | **Co Borrower3 Type** | **Co Borrower3 Designation** | **Senior Lien Position** | **Senior Lien Original Loan Amount** | **Senior Lien Original Interest Rate** | **Senior Lien Note Projected Closing Date** | **Senior Lien Current Balance** | **Senior Lien Current P&I** | **Loan Closed in the Name of an Entity** | **Note Executed by** | **Assumable Mortgage Flag** | **Leasehold Flag** | **Buydown Flag** | **Borrower Experian FICO Model Used** | **Borrower Equifax FICO Model Used** | **Borrower TransUnion FICO Model Used** | **Co Borrower Experian FICO Model Used** | **Co Borrower Equifax FICO Model Used** | **Co Borrower TransUnion FICO Model Used** | **Co Borrower2 Experian FICO Model Used** | **Co Borrower2 Equifax FICO Model Used** | **Co Borrower2 TransUnion FICO Model Used** | **Co Borrower3 Experian FICO Model Used** | **Co Borrower3 Equifax FICO Model Used** | **Co Borrower3 TransUnion FICO Model Used** | **Borrower Documentation Used to Determine Legal Residency** | **Co Borrower Documentation Used to Determine Legal Residency** | **Co Borrower2 Documentation Used to Determine Legal Residency** | **Co Borrower3 Documentation Used to Determine Legal Residency** | **Delayed Financing?** | **Months Reserves** | **Correspondent Type** | **Departure Residence** | **Rate Increase on Default** | **MERS Min Number** | **Co Borrower Other Income** | **Co Borrower Wage Income** | **Primary Housing Lates 0 6 Months 30** | **Primary Housing Lates 0 6 Months 60** | **Primary Housing Lates 0 6 Months 90** | **Primary Housing Lates 7 12 Months 30** | **Primary Housing Lates 7 12 Months 60** | **Primary Housing Lates 7 12 Months 90** | **Primary Housing Lates 13 24 Months 30** | **Primary Housing Lates 13 24 Months 60** | **Primary Housing Lates 13 24 Months 90** | **Primary Housing Lates 25 36 Months 30** | **Primary Housing Lates 25 36 Months 60** | **Primary Housing Lates 25 36 Months 90** | **Borrower 1 ITIN Flag** | **Borrower 2 ITIN Flag** | **Borrower 3 ITIN Flag** | **Borrower 4 ITIN Flag** |
| [Redact] | 7045096 | [Redact] |  | Exempt from ATR | Non QM |  |  | No | Yes | $10445.00 | $11712.89 |  | 7.141% | $4984.73 | $4984.73 | 6.990% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $20548.87 | 1 | $6157.44 | $11357.04 | $513.12 | $946.42 |  |  |  |  |  | 33.562% | 33.562% | 33.562% | 02/22/2024 | 687 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2021 | [Borrower]; 4506-C - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Tax Return Extension - 2022<br> [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Tax Return Extension - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $10445.00 |  | 6.550% | $0.00 | 2.6 | LP / LPA |  | Accept/Eligible | No | No | 6.990% | 2 |  | 2 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | 03/01/2054 | $1210736.26 |  | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Trustee |  |  |  |  |  |  |  |  |  |  |  |  | No | Trustee | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 187.88 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 8064352 | [Redact] | [Redact] | Exempt from ATR | Non QM |  |  | No | Yes | $3367.58 | $4027.56 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 36.925% | 36.925% | 36.925% | [Redact] | 777 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full Doc 1yr - AUS |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  |  | $3367.58 |  | [Redact] | $1400.00 | 1 | LP / LPA |  | Accept/Eligible | Yes | No | [Redact] | 2 | 1 | 1 | 0 | 4 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 89.060% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 59.64 |  | No | No |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 8083094 | [Redact] |  | Exempt from ATR | Non QM |  |  | No | Yes | $9158.75 | $10686.54 |  | 7.898% | $2866.56 | $2866.56 | 7.625% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $32468.48 | 1 | $3217.56 | $1242.24 | $268.13 | $103.52 |  |  |  |  |  | 28.349% | 28.349% | 28.349% | 04/03/2024 | 682 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2022 | [Borrower]; 4506-C - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Transcripts (1040) - 2021<br> [Coborrower]; 4506-C - 2020 | Full Documentation (F) | Full Doc 1yr - AUS |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $9158.75 |  | 6.760% | $0.00 | 5 | DU |  | ApproveEligible | N/A | No | 7.625% | 1 | 0 | 1 | 0 | 4 | 2 |  |  |  | No |  |  |  |  |  |  |  |  |  | 05/01/2054 | $170557.91 | 31.580% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 10.15 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 8083151 | [Redact] |  | Exempt from ATR | Non QM |  |  | No | Yes | $1249.00 | $2911.01 |  | 7.583% | $1419.41 | $1419.41 | 7.500% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $11683.15 | 1 | $2300.16 | $1626.96 | $191.68 | $135.58 |  |  |  |  |  | 29.901% | 29.901% | 29.901% | 04/15/2024 | 781 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; VVOE - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full Doc 1yr - AUS |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $1249.00 |  | 6.950% | $0.00 | 1.7 | LP / LPA |  | Accept/Eligible | Yes | No | 7.500% | 1 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 06/01/2054 | $131416.31 | 45.310% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 21.38 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 8198633 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $16223.62 | $5515.09 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 29.534% | 29.534% | 29.534% | [Redact] | 781 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2021 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Tax Return Extension - 2023<br> [Borrower]; Transcripts (1040) - No Results Returned - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $16223.62 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 2 | 0 | 3 | 2 |  |  | 17.97 | No |  |  |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 21.59 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 8179839 | [Redact] |  | N/A |  |  |  | No | No | $9192.50 | $12143.76 |  | 8.388% | $3208.44 | $3208.44 | 7.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $30455.51 | 1 | $7374.96 | $1249.56 | $614.58 | $104.13 |  |  |  |  |  | 41.417% | 41.417% | 41.681% | 10/31/2023 | 787 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; Business License - 2023<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2023<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2023<br> [Borrower - \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2023<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2007 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 1yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Hanmi Bank | $9192.50 |  | 7.560% | $500.00 | 1 |  |  |  | Yes | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 10.00 | No |  |  |  |  |  |  |  |  |  | 12/01/2053 | $441559.22 | 74.840% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 59.7 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9061656 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $4585.15 | $11085.03 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 40.699% | 40.699% | 40.699% | [Redact] | 763 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $4585.15 |  | [Redact] | $0.00 | 1.1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 73.43 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9073329 | [Redact] | [Redact] | Exempt from ATR | Non QM |  |  | No | No | $2732.00 | $2410.71 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Employed |  |  |  |  | Permanent Resident Alien | Permanent Resident Alien |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 17.487% | 17.487% | 17.487% | [Redact] | 768 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $2732.00 |  | [Redact] | $2000.00 | 1 | DU |  | ApproveEligible | N/A | No | [Redact] | 3 | 1 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 63.360% | No | 24 | 14 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  | Resident Alien Card | Resident Alien Card |  |  |  | 23.67 | Retail | No | No |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9081486 | [Redact] | [Redact] | Exempt from ATR | Non QM |  |  | No | No | $9246.00 | $4417.35 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Not Employed | Employed | Employed |  | 16.79 |  |  | US Citizen | US Citizen |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 26.621% | 26.621% | 26.621% | [Redact] | 767 | 756 | 774 | 767 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | Level 5-Stated/Verified as defined |  | Level 3-Stated/Verified as defined |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2022 | [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; Transcripts (1040) - No Results Returned - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $9246.00 |  | [Redact] | $0.00 | 1 | DU |  | ApproveIneligible | N/A | No | [Redact] | 0 | 3 | 3 | 0 | 4 | 3 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  | 26 | 27 |  | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | 258.62 |  | No | No |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9084459 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $1575.00 | $3115.13 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 39.247% | 39.247% | 39.247% | [Redact] | 801 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1575.00 |  | [Redact] | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | [Redact] | 1 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 47.890% | No |  | 27 |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 34.64 |  | Yes | No |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9085832 | [Redact] | [Redact] | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 714 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  |  | $0.00 | 2.2 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.15 | 0.87 |  |  |  |  |  |  |  | [Redact] | [Redact] | 31.410% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 37.61 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9090327 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $3750.14 | $4339.86 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 48.607% | 48.607% | 48.607% | [Redact] | 668 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; Business License - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 Transcript - No Results Returned - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022 | Alternative Documentation (A) | 1yr 1099 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $3750.14 |  | [Redact] | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | [Redact] | 0 |  | 0 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 6.75 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9090374 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $4389.12 | $5990.28 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 24.911% | 24.911% | 24.911% | [Redact] | 749 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Personal | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $4389.12 |  | [Redact] | $0.00 | 1.5 | DU |  | Out of Scope | N/A | No | [Redact] | 0 |  | 0 | 0 | 3 | 0 | 24 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 94.68 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9092479 | [Redact] | [Redact] | Exempt from ATR | Non QM |  |  | No | No | $5590.00 | $14035.50 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 30.340% | 30.340% | 30.340% | [Redact] | 741 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% | 50.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2012<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2012 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $5590.00 |  | [Redact] | $0.00 | 3.2 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 49.23 |  | No | No |  | [Redact] | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9096272 | [Redact] | [Redact] | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 722 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  |  | $0.00 | 3.9 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.26 | 0.79 |  |  |  |  |  |  |  | [Redact] | [Redact] | 56.520% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 28.19 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| [Redact] | 9099369 | [Redact] | [Redact] | Exempt from ATR | Non QM |  |  | No | No | $1640.00 | $2618.32 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 3 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 20.969% | 20.969% | 21.004% | [Redact] | 732 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 94.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2020<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2007<br> [Coborrower(s) - \| Primary Income - Disability]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Disability]; 1099 - 2024<br> [Coborrower(s) - \| Primary Income - Disability]; Award Letter / Continuance Letter - 2024<br> [Coborrower(s) - \| Primary Income - Disability]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Disability]; 1099 - 2023<br> [Coborrower(s) - \| Primary Income - Disability]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Disability]; W-2 Transcript - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1640.00 |  | [Redact] | $0.00 |  | DU |  | ApproveEligible | N/A | No | [Redact] | 0 | 3 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 43.66 |  | No | No |  | [Redact] | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9100013 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $37720.00 | $8281.58 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 25.680% | 25.680% | 25.680% | [Redact] | 782 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Non-Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Non-Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $37720.00 |  | [Redact] | $5000.00 | 1 |  |  |  | N/A | No | [Redact] | 2 | 0 | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 78.360% | No | 14 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Trustee | Individual | Trustee |  |  |  |  |  |  |  |  |  |  | No | Trustee | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 77.9 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9100043 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $1640.00 | $7073.55 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 18.303% | 12.988% | 18.303% | [Redact] | 759 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2003 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1640.00 |  | [Redact] | $0.00 | 1 | DU |  | Out of Scope | N/A | No | [Redact] | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  | 240 | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 44.47 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9102219 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $6975.25 | $10456.35 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 15.950% | 15.950% | 15.950% | [Redact] | 810 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $6975.25 |  | [Redact] | $0.00 | 3.8 |  |  |  | N/A | No | [Redact] | 2 |  | 0 | 0 | 2 | 1 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 59.320% | No | 26 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 46.85 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9102603 | [Redact] | [Redact] | Exempt from ATR | Non QM |  |  | No | No | $2258.75 | $7697.39 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 18.336% | 18.336% | 18.336% | [Redact] | 700 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 67.700% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 67.70% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 67.70% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 67.70% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 67.70% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 67.70% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023 | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $2258.75 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 2 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 47.290% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 19.44 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9109347 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $1575.00 | $4104.46 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 23.252% | 23.252% | 23.252% | [Redact] | 782 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1575.00 |  | [Redact] | $0.00 | 1.1 |  |  |  | N/A | No | [Redact] | 2 | 2 | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 42.950% | No |  | 27 |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 36.22 |  |  | No |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9109348 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $7690.00 | $8931.66 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 16.348% | 16.348% | 16.348% | [Redact] | 709 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $7690.00 |  | [Redact] | $5125.00 | 1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 81.960% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 75.31 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9109351 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $1575.00 | $4462.75 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 40.935% | 40.935% | 40.935% | [Redact] | 811 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1575.00 |  | [Redact] | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | [Redact] | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 62.260% | No | 27 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 27.84 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9101564 | [Redact] |  | Non QM |  |  |  | Yes | No | $26465.00 | $31205.58 |  | 8.497% | $9315.71 | $9315.71 | 8.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $54919.07 | 1 | $23526.48 | $8030.88 | $1960.54 | $669.24 |  |  |  |  |  | 26.585% | 26.585% | 26.585% | 02/05/2025 | 660 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | NewFi | $26465.00 |  | 6.620% | $0.00 | 1.2 |  |  |  | N/A | No | 8.250% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 04/01/2055 | $356763.00 | 23.010% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 16.9 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9111493 | [Redact] | [Redact] | Exempt from ATR | Non QM |  |  | No | No | $1755.25 | $6388.59 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Non-Employment Income | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 39.977% | 39.977% | 39.977% | [Redact] | 751 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  |  | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023 | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1755.25 |  | [Redact] | $0.00 | 1.2 |  |  |  | N/A | No | [Redact] | 0 | 0 | 2 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  | [Redact] | [Redact] | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Trustee | Individual | Trustee |  |  |  |  |  |  |  |  |  |  | No | Trustee | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 781.47 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9111614 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $3855.00 | $5182.79 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 20.691% | 20.691% | 20.691% | [Redact] | 806 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $3855.00 |  | [Redact] | $0.00 | 1.3 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 36.59 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9113662 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $1399.00 | $4059.93 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Employed | Not Employed |  | 0 |  | US Citizen | US Citizen | US Citizen |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 35.997% | 35.561% | 35.412% | [Redact] | 710 | 710 | 805 | 684 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | Level 1-Not Stated/Not Verified |  | Level 1-Not Stated/Not Verified |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1399.00 |  | [Redact] | $0.00 | 2.6 | DU |  | ApproveIneligible | N/A | No | [Redact] | 2 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 84.700% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | 89.15 |  | Yes | No |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9113667 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $3885.00 | $5463.20 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 13.343% | 13.343% | 13.343% | [Redact] | 788 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $3885.00 |  | [Redact] | $0.00 | 5 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 112.42 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9113666 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $1945.00 | $21301.40 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 41.385% | 38.659% | 41.385% | [Redact] | 715 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 62.000% | 90.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; CPA Letter - 2025<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; CPA Letter - 2025<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1945.00 |  | [Redact] | $0.00 | 2.8 |  |  |  | N/A | No | [Redact] | 0 | 2 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  | 27 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 46.09 |  | No | No |  | [Redact] | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9115188 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $28158.00 | $43915.50 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 15.214% | 15.214% | 15.214% | [Redact] | 698 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2021 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $28158.00 |  | [Redact] | $0.00 | 1.2 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 3 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 3.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 25.13 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9117075 | [Redact] | [Redact] | Exempt from ATR | Non QM |  |  | No | No | $6034.02 | $3590.02 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 38.582% | 38.582% | 38.582% | [Redact] | 773 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2022 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Account Transcripts - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Account Transcripts - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - No Results Returned - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $6034.02 |  | [Redact] | $0.00 | 1.5 | DU |  | ApproveIneligible | N/A | No | [Redact] | 3 | 3 | 3 | 0 | 3 | 3 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 100.000% | No |  | 27 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 355.74 |  | No | No |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9117076 | [Redact] | [Redact] | Exempt from ATR | Non QM |  |  | No | No | $1799.24 | $4213.58 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 46.136% | 46.136% | 46.136% | [Redact] | 813 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2022<br> [Borrower - \| Non-Primary Income - Pension]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - Pension]; 1099-R - 2024<br> [Borrower - \| Non-Primary Income - Pension]; 1099-R - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1799.24 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 3 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 100.000% | No | 26 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 166.85 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9117295 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $1695.00 | $4612.72 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 33.604% | 33.604% | 33.604% | [Redact] | 806 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1695.00 |  | [Redact] | $2000.00 | 999 | DU |  | ApproveEligible | N/A | No | [Redact] | 2 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 39.580% | No | 25 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 35.38 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9117311 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $7315.00 | $6313.34 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Non-Employment Income | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 36.680% | 36.680% | 36.680% | [Redact] | 787 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Other - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $7315.00 |  | [Redact] | $0.00 | 2.5 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  | [Redact] | [Redact] | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 651.58 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9118336 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $6104.00 | $9827.90 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 49.418% | 49.418% | 49.418% | [Redact] | 764 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Pension]; Account Statements - 2025<br> [Borrower - \| Primary Income - Pension]; Paystubs - 2025<br> [Borrower - \| Primary Income - Pension]; 1099 Transcript - No Results Returned - 2024<br> [Borrower - \| Primary Income - Pension]; 1099-R - 2024<br> [Borrower - \| Primary Income - Pension]; 1099 Transcript - 2023<br> [Borrower - \| Primary Income - Pension]; 1099 Transcript - 2022<br> [Borrower - \| Non-Primary Income - Pension]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Pension]; Paystubs - 2025<br> [Borrower - \| Non-Primary Income - Pension]; 1099 Transcript - No Results Returned - 2024<br> [Borrower - \| Non-Primary Income - Pension]; 1099-R - 2024<br> [Borrower - \| Non-Primary Income - Pension]; 1099 Transcript - 2023<br> [Borrower - \| Non-Primary Income - Pension]; 1099 Transcript - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $6104.00 |  | [Redact] | $0.00 | 3.4 | DU |  | ApproveEligible | N/A | No | [Redact] | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 18.450% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.9 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9118350 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $945.00 | $1222.75 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 49.429% | 49.429% | 49.429% | [Redact] | 676 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2023<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2023<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2023<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2023<br> [Borrower - \| Primary Income - Sole Proprietor]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 2yr 1099 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $945.00 |  | [Redact] | $0.00 | 1.2 |  |  |  | N/A | No | [Redact] | 2 |  | 0 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 98.46 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9118363 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $0.00 | $1641.19 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 47.371% | 47.371% | 47.371% | [Redact] | 798 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $0.00 | 4.6 |  |  |  | N/A | No | [Redact] | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No | 19 |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 24.35 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9119166 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $1050.00 | $3875.90 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 33.288% | 33.288% | 33.288% | [Redact] | 701 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1050.00 |  | [Redact] | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | [Redact] | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 100.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 249.15 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9119173 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $1390.00 | $2471.01 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 30.975% | 30.975% | 30.975% | [Redact] | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1390.00 |  | [Redact] | $0.00 | 999 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 688.46 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9119494 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $6417.60 | $9119.54 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 28.995% | 28.995% | 28.995% | [Redact] | 711 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $6417.60 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 2 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 12.56 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9119497 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $1640.00 | $6299.24 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 45.794% | 45.794% | 45.794% | [Redact] | 787 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2021 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1640.00 |  | [Redact] | $0.00 | 3.8 | DU |  | ApproveEligible | N/A | No | [Redact] | 1 | 4 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No | 16 | 26 |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 15.97 | Retail |  | No |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9120521 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $5306.00 | $7031.32 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 27.725% | 27.725% | 27.725% | [Redact] | 715 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $5306.00 |  | [Redact] | $0.00 | 1 | LP / LPA |  | Accept/Eligible | N/A | No | [Redact] | 2 | 2 | 0 | 0 | 1 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 82.800% | No | 28 | 27 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 79.27 |  | No | No |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9120523 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $3374.37 | $4911.48 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 36.094% | 36.094% | 36.094% | [Redact] | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $3374.37 |  | [Redact] | $9032.81 | 1 |  |  |  | N/A | No | [Redact] | 2 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 30.070% | No |  | 27 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 13.63 |  | No | No |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9120603 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $15094.04 | $16005.91 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 29.593% | 29.593% | 29.593% | [Redact] | 656 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $15094.04 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 31.560% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.95 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9120602 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $90888.50 | $15002.98 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Not Employed | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 11.148% | 11.148% | 11.148% | [Redact] | 729 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% |  | 100.000% |  | [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2003 | [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $90888.50 |  | [Redact] | $24000.00 | 3.6 | DU |  | ApproveIneligible | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 4.440% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 27.79 |  | Yes | No |  | [Redact] | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9121974 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $20051.13 | $16052.68 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | Permanent Resident Alien |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 30.223% | 30.223% | 30.223% | [Redact] | 777 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024 |  | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $20051.13 |  | [Redact] | $15000.00 | 4 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | Resident Alien Card |  |  |  | 6.04 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9122000 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $1740.00 | $4941.53 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 34.139% | 34.139% | 34.139% | [Redact] | 767 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2022 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1740.00 |  | [Redact] | $1200.00 | 2.1 |  |  |  | N/A | No | [Redact] | 3 | 3 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 28.520% | No | 27 | 27 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 16.68 | Retail |  | No |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9122002 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $6710.00 | $19408.98 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 48.610% | 44.831% | 48.610% | [Redact] | 795 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - IRA Distribution]; Account Statements - 2025<br> [Borrower - \| Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $6710.00 |  | [Redact] | $135000.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  | 360 | [Redact] | [Redact] | 82.820% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Trustee |  |  |  |  |  |  |  |  |  |  |  |  | No | Trustee | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 71.34 | Retail | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9122523 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $1440.00 | $5453.21 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 34.818% | 34.818% | 34.818% | [Redact] | 784 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; Other - 2025<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; Other - 2025<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; Other - 2025<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; Other - 2025<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; VVOE - 2025<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Tax Return Extension - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1440.00 |  | [Redact] | $9000.00 | 1.6 |  |  |  | N/A | No | [Redact] | 0 | 0 | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 40.040% | No | 28 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 27.9 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9122768 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $7540.00 | $8509.80 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 12.230% | 12.230% | 12.230% | [Redact] | 759 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $7540.00 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 26.65 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9122769 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $6377.29 | $3255.40 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Not Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 47.610% | 47.610% | 47.610% | [Redact] | 648 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% |  | 100.000% |  | [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2021 | [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $6377.29 |  | [Redact] | $0.00 | 1.5 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 7.17 |  |  | No |  | [Redact] | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9122762 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $6585.00 | $7600.32 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 17.827% | 17.827% | 17.827% | [Redact] | 629 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 85.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 85.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 85.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 85.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2021<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 85.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2018 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $6585.00 |  | [Redact] | $0.00 | 1.7 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 71.87 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9123863 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $1640.00 | $6188.62 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 48.898% | 48.898% | 48.898% | [Redact] | 782 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Employer Letter - 2024<br> [Borrower - \| Primary Income - Wages]; Employer Letter - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1640.00 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 1 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  | [Redact] | [Redact] | 71.910% | No | 3 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 101.83 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9125195 | [Redact] | [Redact] | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 670 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.29 | 0.77 |  |  |  |  |  |  |  | [Redact] | [Redact] | 26.470% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 19.44 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9126868 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $21152.15 | $23804.01 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | [Redact] |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 41.311% | 41.311% | 41.311% | [Redact] | 747 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $42752.15 |  | [Redact] | $21600.00 | 1.4 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 20.310% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Employment Authorization |  |  |  |  | 6.74 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9126872 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $16053.00 | $10093.03 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 12.877% | 12.877% | 12.877% | [Redact] | 660 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $16053.00 |  | [Redact] | $20000.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 30.850% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 15.78 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9127994 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $21759.12 | $34444.98 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 49.119% | 49.119% | 49.119% | [Redact] | 666 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 50.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $21759.12 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 42.01 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9128282 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $5378.00 | $7663.71 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 37.759% | 37.759% | 37.759% | [Redact] | 727 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Account Transcripts - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Account Transcripts - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $5378.00 |  | [Redact] | $838000.00 | 1 | DU |  | ApproveEligible | N/A | No | [Redact] | 2 | 2 | 0 | 0 | 4 | 1 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 30.920% | No | 27 | 26 |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 7.46 |  |  | No |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9128287 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $23294.00 | $24450.97 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 12.608% | 12.608% | 12.608% | [Redact] | 689 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $23294.00 |  | [Redact] | $0.00 | 4.2 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 23.64 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9128285 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $8695.00 | $12854.79 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 15.099% | 15.099% | 15.099% | [Redact] | 667 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 81.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 81.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 81.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $8695.00 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  | No | 99.44 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9128288 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $24363.00 | $36618.76 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 7.872% | 7.872% | 7.872% | [Redact] | 634 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $49418.00 |  | [Redact] | $26250.00 | 1.4 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 1.020% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11.45 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9115010 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | $727.65 | $727.65 | 8.690% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $625.92 | $1167.60 | $52.16 | $97.30 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/28/2025 | 669 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | ROC Captial |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.690% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.57 | 0.64 |  |  |  |  |  |  |  | 04/01/2055 | $22197.89 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 25.88 | Retail |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| [Redact] | 9129354 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $37007.50 | $39925.09 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 44.080% | 44.080% | 44.080% | [Redact] | 660 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $37007.50 |  | [Redact] | $0.00 | 3.8 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 71.55 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9129357 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $4903.34 | $7773.13 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 22.602% | 22.602% | 22.602% | [Redact] | 738 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $4903.34 |  | [Redact] | $6500.00 | 2.6 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 9.330% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.62 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9129362 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $18361.64 | $20950.69 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 15.332% | 15.332% | 15.332% | [Redact] | 643 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $18361.64 |  | [Redact] | $24150.00 | 1.2 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 0.670% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 25.07 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9129364 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $4342.10 | $8537.88 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Self-Employed | Not Employed |  | 0 |  | US Citizen | US Citizen | US Citizen |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 37.845% | 37.845% | 37.845% | [Redact] | 748 | 781 | 773 | 783 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | Level 1-Not Stated/Not Verified |  | Level 1-Not Stated/Not Verified |  | No | Yes | 48 | Business | 100.000% | 40.000% | 60.000% |  | [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; CPA Letter - 2025<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; CPA Letter - 2025<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 40.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 40.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 40.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 40.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 40.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 40.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 40.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 40.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $4342.10 |  | [Redact] | $5000.00 | 5 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 100.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | 63.72 | Retail | No | No |  | [Redact] | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9129365 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $20900.00 | $21225.91 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 44.974% | 44.974% | 44.974% | [Redact] | 719 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 91.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 91.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 91.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 91.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 91.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 91.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 91.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 91.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $20900.00 |  | [Redact] | $0.00 | 1.9 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 97.53 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9130131 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $9090.00 | $12321.70 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 27.909% | 27.909% | 27.909% | [Redact] | 778 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 30.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 30.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 30.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 30.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 30.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 30.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 30.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $9090.00 |  | [Redact] | $0.00 | 4.2 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 2 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 14.13 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9130194 | [Redact] | [Redact] | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 717 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.12 | 0.89 |  |  |  |  |  |  |  | [Redact] | [Redact] | 11.480% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 19.93 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9131147 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $21195.00 | $3361.02 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 13.650% | 13.650% | 13.650% | [Redact] | 736 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2020 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $21195.00 |  | [Redact] | $0.00 | 1.1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | $0.00 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 28.78 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9131150 | [Redact] | [Redact] | Exempt from ATR | Non QM |  |  | No | No | $4921.88 | $6377.69 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 10.645% | 10.645% | 10.645% | [Redact] | 726 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $4921.88 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  | No | 14.86 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9131143 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $1490.00 | $3282.95 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 33.058% | 33.058% | 33.058% | [Redact] | 626 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1490.00 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 10.4 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9131144 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $30978.33 | $20335.47 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | [Redact] |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 40.656% | 40.656% | 40.656% | [Redact] | 651 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $30978.33 |  | [Redact] | $0.00 | 2.6 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Employment Authorization |  |  |  | No | 6.27 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9131305 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $1938.50 | $4824.31 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 33.296% | 33.296% | 33.296% | [Redact] | 738 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1938.50 |  | [Redact] | $0.00 |  | LP / LPA |  | Accept/Eligible | N/A | No | [Redact] | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  | [Redact] | [Redact] | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 706.6 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9131479 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $9242.00 | $12412.08 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 28.110% | 28.110% | 28.110% | [Redact] | 749 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $9242.00 |  | [Redact] | $0.00 | 2.9 |  |  |  | N/A | No | [Redact] | 3 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No | 27 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 105.84 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9131477 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $1640.00 | $11633.40 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Non-Employment Income | Self-Employed | Non-Employment Income | 14.93 | 0 | US Citizen | US Citizen | US Citizen | US Citizen |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 49.387% | 49.387% | 49.387% | [Redact] | 795 | 799 | 796 | 795 | 799 | 793 | 795 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | Level 5-Stated/Verified as defined | Level 3-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Social Security]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Non-Primary Income - Pension]; Paystubs - 2025<br> [Coborrower(s) - \| Non-Primary Income - IRA Distribution]; Account Statements - 2025<br> [Coborrower(s) - \| Non-Primary Income - IRA Distribution]; Other - 2024<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; Account Statements - 2025<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1640.00 |  | [Redact] | $7500.00 | 1.1 |  |  |  | N/A | No | [Redact] | 1 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  | 60 |  |  |  |  | [Redact] | [Redact] | 86.870% | No | 28 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual | Individual | Individual |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  | 68.94 |  | Yes | No |  | [Redact] | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9132461 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $34310.50 | $21217.59 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 7.272% | 7.272% | 7.272% | [Redact] | 761 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $34310.50 |  | [Redact] | $0.00 | 2.6 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 5.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 33.54 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9132462 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $4820.20 | $5613.96 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 3.717% | 3.717% | 3.717% | [Redact] | 629 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $4820.20 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 32.53 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9132465 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $15742.79 | $18958.42 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 47.811% | 47.811% | 47.811% | [Redact] | 639 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $15742.79 |  | [Redact] | $0.00 | 1.5 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 8.97 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9134031 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $9981.00 | $11936.90 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 44.583% | 44.583% | 44.583% | [Redact] | 814 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 86.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $9981.00 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 18.370% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11.02 | Retail | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9134021 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $149.00 | $1097.04 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 38.190% | 38.190% | 38.190% | [Redact] | 716 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $149.00 |  | [Redact] | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | [Redact] | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 55.040% | No | 27 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 42.09 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9134025 | [Redact] | [Redact] | Exempt from ATR | Non QM |  |  | No | No | $16823.68 | $4965.26 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 39.121% | 39.121% | 39.121% | [Redact] | 794 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $16823.68 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 2 |  | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 53.950% | No | 28 |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 27.94 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9134049 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $17387.50 | $19010.22 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 49.378% | 49.378% | 49.378% | [Redact] | 674 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $17387.50 |  | [Redact] | $30000.00 | 1.9 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 46.630% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11.41 | Retail | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9134045 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $19613.88 | $29288.30 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 47.452% | 47.452% | 47.452% | [Redact] | 747 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2018 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $19613.88 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 100.26 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9134044 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $4527.47 | $6519.20 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 17.488% | 17.488% | 17.488% | [Redact] | 627 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $4527.47 |  | [Redact] | $0.00 | 2.9 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 6.73 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9134050 | [Redact] | [Redact] | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 688 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  |  | $0.00 | 4.3 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.46 | 0.69 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 36.6 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9134489 | [Redact] | [Redact] | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1640.00 | $4569.82 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 45.842% | 45.842% | 50.498% | [Redact] | 777 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Business License - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Tax Return Extension - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1640.00 |  | [Redact] | $2827.00 | 1.2 | DU |  | ApproveIneligible | N/A | No | [Redact] | 1 | 2 | 2 | 0 | 3 | 2 |  |  | 15.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redact] | [Redact] | 76.950% | No |  | 28 |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 63.88 |  |  | No |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9134494 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $3402.50 | $11242.54 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 23.438% | 23.438% | 23.438% | [Redact] | 816 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $3402.50 |  | [Redact] | $1400.00 | 3 |  |  |  | N/A | No | [Redact] | 2 |  | 0 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 53.320% | No | 27 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 30.67 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9134548 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $27715.00 | $38398.28 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 24.484% | 24.484% | 24.484% | [Redact] | 762 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 48 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $27715.00 |  | [Redact] | $0.00 | 4.3 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 22.860% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.26 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9134549 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $3926.89 | $4881.85 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 44.191% | 44.191% | 44.191% | [Redact] | 715 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 19.40000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 19.40000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 19.40000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 19.40000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 19.40000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 19.40000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $11291.89 |  | [Redact] | $7365.00 | 1.2 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 18.720% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.21 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9134604 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $30899.36 | $9800.57 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 31.114% | 31.114% | 31.114% | [Redact] | 773 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 26.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 26.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 26.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 26.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 26.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 26.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 26.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 26.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 26.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $30899.36 |  | [Redact] | $0.00 | 4.1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 67.830% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 63.84 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9134605 | [Redact] | [Redact] | Exempt from ATR | Non QM |  |  | No | No | $1695.00 | $25220.14 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 42.465% | 42.465% | 42.465% | [Redact] | 794 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1695.00 |  | [Redact] | $0.00 | 3.5 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 67.930% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 58.25 | Retail | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9135444 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $14641.00 | $8471.78 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Not Employed | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 28.799% | 28.799% | 28.799% | [Redact] | 788 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% |  | 33.000% |  | [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 33.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 33.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 33.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 33.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 33.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2021<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 33.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2021 | [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $14641.00 |  | [Redact] | $0.00 | 1.5 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 67.050% | No |  |  |  |  | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 40.85 |  | Yes | No |  | [Redact] | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9135946 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $7620.00 | $10333.55 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 12.862% | 12.862% | 12.862% | [Redact] | 779 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2005 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $7620.00 |  | [Redact] | $0.00 | 3.5 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 40.21 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9135947 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $495.17 | $5119.85 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 44.789% | 44.789% | 44.789% | [Redact] | 744 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $9677.17 |  | [Redact] | $10377.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 | 12 |  | 0.00 | Yes |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 24.590% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 10.34 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9137453 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $18008.00 | $13690.59 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 16.424% | 16.424% | 16.424% | [Redact] | 764 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $18008.00 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 3.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 46.25 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9137727 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $3890.00 | $6644.20 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 49.902% | 49.902% | 49.902% | [Redact] | 782 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $3890.00 |  | [Redact] | $0.00 | 3.3 | DU |  | ApproveEligible | N/A | No | [Redact] | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  | [Redact] | [Redact] | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1168.31 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9138208 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $67302.32 | $76615.89 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 33.572% | 33.572% | 33.572% | [Redact] | 751 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $67302.32 |  | [Redact] | $80000.00 | 2.6 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 10.810% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 16.94 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9138222 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $22189.56 | $30719.09 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Non-Employment Income | Non-Employment Income | Non-Employment Income | 0 | 0 | US Citizen | US Citizen | US Citizen | US Citizen |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 49.812% | 49.812% | 49.812% | [Redact] | 682 | 766 | 773 | 765 | 795 | 825 | 804 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | Level 3-Stated/Partially Verified | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | No | Yes | 12 | Business | 66.000% | 90.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024<br> [Coborrower(s) - \| Primary Income - Social Security]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Primary Income - Social Security]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2024<br> [Coborrower(s) - \| Primary Income - Social Security]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $22189.56 |  | [Redact] | $20000.00 | 2.2 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 36.270% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual | Individual | Individual |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  | 13.27 |  | No | No |  | [Redact] | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9139726 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $3778.12 | $14569.63 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 40.082% | 40.082% | 40.082% | [Redact] | 781 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $3778.12 |  | [Redact] | $0.00 | 1.1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 3 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 32.190% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 13.87 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9122451 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | $1020.38 | $1020.38 | 7.450% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $596.16 | $1284.24 | $49.68 | $107.02 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/03/2025 | 700 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | ROC Captial |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.450% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.27 | 0.78 |  |  |  |  |  |  |  | 04/01/2055 | $3061.14 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 10.95 | Retail |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9122452 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | $4917.90 | $4917.90 | 7.910% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | $0.00 | $6279.00 |  | $523.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/21/2025 | 709 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ROC Captial |  |  |  | $0.00 |  |  |  |  |  | No | 7.910% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.22 | 0.82 |  |  |  |  |  |  |  | 04/01/2055 | $14753.70 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 29.25 | Retail |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9122456 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | $572.44 | $572.44 | 8.420% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | $920.16 | $928.20 | $76.68 | $77.35 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/02/2025 | 667 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ROC Captial |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.420% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 2.41 | 0.42 |  |  |  |  |  |  |  | 05/01/2055 | $1717.32 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 16.04 | Retail |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9122460 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | $3714.45 | $3714.45 | 7.680% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $9461.28 | $2870.04 | $788.44 | $239.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/24/2025 | 668 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | ROC Captial |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.680% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.05 | 0.95 |  |  |  |  |  |  |  | 04/01/2055 | $11143.35 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 14.91 | Broker |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| [Redact] | 9122470 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | $5073.06 | $5073.06 | 7.870% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | $5888.16 | $3326.04 | $490.68 | $277.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/24/2025 | 736 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | ROC Captial |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.870% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.11 | 0.9 |  |  |  |  |  |  |  | 05/01/2055 | $427201.89 | 48.820% | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 32.64 | Retail |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9122476 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | $785.43 | $785.43 | 7.350% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $4026.96 | $2328.24 | $335.58 | $194.02 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/27/2025 | 676 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | ROC Captial |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.350% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.22 | 0.82 |  |  |  |  |  |  |  | 05/01/2055 | $2356.29 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | Yes |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 36.05 | Retail |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9122482 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | $2894.82 | $2894.82 | 7.650% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $1424.16 | $750.96 | $118.68 | $62.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/27/2025 | 667 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | ROC Captial |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.650% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.06 | 0.94 |  |  |  |  |  |  |  | 04/01/2055 | $26705.93 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 9 | Retail |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9122488 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | $1953.65 | $1953.65 | 7.900% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | $5940.36 | $1384.08 | $495.03 | $115.34 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/17/2025 | 734 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | ROC Captial |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.900% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.37 | 0.73 |  |  |  |  |  |  |  | 05/01/2055 | $300458.32 |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 116.59 | Retail |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9122490 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | $3835.10 | $3835.10 | 7.660% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | $6679.32 | $1367.04 | $556.61 | $113.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/03/2025 | 715 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | ROC Captial |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.660% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.13 | 0.88 |  |  |  |  |  |  |  | 05/01/2055 | $11505.30 | 1.700% | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 278.4 | Broker |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| [Redact] | 9122509 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | $1140.74 | $1140.74 | 7.700% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $2072.52 | $1524.72 | $172.71 | $127.06 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/17/2025 | 734 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | ROC Captial |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.700% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.37 | 0.73 |  |  |  |  |  |  |  | 05/01/2055 | $54600.26 |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 32.38 | Retail |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9122510 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | $1287.79 | $1287.79 | 7.690% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $2781.60 | $1080.24 | $231.80 | $90.02 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/17/2025 | 734 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | ROC Captial |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.690% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.18 | 0.85 |  |  |  |  |  |  |  | 05/01/2055 | $55041.41 |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 33.9 | Retail |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9122511 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | $1953.65 | $1953.65 | 7.900% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | $6603.84 | $1158.96 | $550.32 | $96.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/17/2025 | 734 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | ROC Captial |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.900% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.17 | 0.86 |  |  |  |  |  |  |  | 05/01/2055 | $57038.99 |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 21.56 | Retail |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9122513 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | $2003.10 | $2003.10 | 7.306% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $1393.68 | $1620.00 | $116.14 | $135.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/18/2025 | 710 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | ROC Captial |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.306% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.09 | 0.92 |  |  |  |  |  |  |  | 05/01/2055 | $222905.60 | 61.070% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 56.26 | Broker |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9139969 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $14414.40 | $18024.88 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 26.610% | 26.610% | 26.610% | [Redact] | 718 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2021 |  | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $14414.40 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 25.250% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.57 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9085452 | [Redact] |  | N/A |  |  |  | No | No | $8680.00 |  |  | 7.258% | $1185.44 | $1185.44 | 7.260% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $2121.48 | $1943.64 | $176.79 | $161.97 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/26/2024 | 725 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | LendingOne | $8680.00 |  | 6.850% | $0.00 |  |  |  |  | N/A | No | 7.260% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.17 | 0.86 |  |  |  |  |  |  |  | 03/01/2055 | $36332.29 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 39.04 |  |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9140909 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $4787.50 | $7508.00 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Non-Employment Income | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 16.704% | 16.704% | 16.704% | [Redact] | 803 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $4787.50 |  | [Redact] | $1000.00 | 1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  | [Redact] | [Redact] | 100.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 971.61 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9141065 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $9254.00 | $16464.54 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 41.555% | 41.555% | 41.555% | [Redact] | 813 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $19559.00 |  | [Redact] | $10000.00 |  |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 1.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 21.32 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9146416 | [Redact] | [Redact] | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 713 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  |  | $0.00 | 1.4 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  | 240 | [Redact] | [Redact] | 31.070% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10.09 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9146434 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $1640.00 | $4673.16 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 36.315% | 36.315% | 36.315% | [Redact] | 772 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1640.00 |  | [Redact] | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | [Redact] | 3 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 100.000% | No | 27 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 231.98 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9146450 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $38342.95 | $16134.46 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 5.338% | 5.338% | 5.338% | [Redact] | 739 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $38342.95 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 28.010% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 12.38 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9146451 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $9762.68 | $16718.98 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 23.024% | 23.024% | 23.024% | [Redact] | 762 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $9762.68 |  | [Redact] | $20000.00 | 3.8 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 12.230% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.36 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9146979 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $1590.00 | $2927.48 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 42.419% | 33.897% | 42.419% | [Redact] | 749 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2024 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021 | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1590.00 |  | [Redact] | $0.00 | 1.2 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  | 240 | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Trustee |  |  |  |  |  |  |  |  |  |  |  |  | No | Trustee | Yes |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 292.33 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9147316 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $1640.00 | $2597.31 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 36.907% | 36.907% | 36.907% | [Redact] | 726 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021 | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1640.00 |  | [Redact] | $0.00 | 4.4 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 264.43 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9152898 | [Redact] | [Redact] | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 710 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.47 | 0.68 |  |  |  |  |  |  |  | [Redact] | [Redact] | 6.720% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 33.67 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| [Redact] | 9152904 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $13835.00 | $16347.70 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 4 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 37.571% | 37.571% | 37.571% | [Redact] | 768 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $13835.00 |  | [Redact] | $1500.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 28.150% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 6.57 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9153351 | [Redact] | [Redact] | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 730 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 | 2 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.83 | 0.55 |  |  |  |  |  |  |  | [Redact] | [Redact] | 60.220% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 35.02 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9154411 | [Redact] | [Redact] | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 734 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  |  | $0.00 | 1.3 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.05 | 0.95 |  |  |  |  |  |  |  | [Redact] | [Redact] | 32.900% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 7.26 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| [Redact] | 9154415 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $17655.00 | $20725.94 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 7.186% | 7.186% | 7.186% | [Redact] | 785 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $17655.00 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 0.980% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 17.3 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9135952 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | $685.71 | $685.71 | 7.302% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $1780.44 | $683.04 | $148.37 | $56.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/14/2024 | 708 |  |  |  |  |  |  | 12/05/2024 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | ROC Captial |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.302% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.29 | 0.78 |  |  |  |  |  |  |  | 12/01/2054 | $2057.13 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta |  |  |  |  |  |  |  |  |  |  |  | No | 35.11 | Retail |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9135965 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | $1005.65 | $1005.65 | 7.660% | No | No |  |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | 2 | $567.96 | $1916.16 | $47.33 | $159.68 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/10/2025 | 712 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | ROC Captial |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.660% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 2.19 | 0.46 |  |  |  |  |  |  |  | 05/01/2055 | $62129.68 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 40.31 | Retail |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9135975 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | $1337.13 | $1337.13 | 8.130% | No | No |  |  |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | Mexico |  |  |  | 1 | $4555.92 | $1787.40 | $379.66 | $148.95 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/26/2025 | 727 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | ROC Captial |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.130% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.07 | 0.93 |  |  |  |  |  |  |  | 05/01/2055 | $4011.39 | 1.780% | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 7.04 | Retail |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9135980 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | $2575.19 | $2575.19 | 7.830% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | $0.00 | $8871.36 |  | $739.28 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/18/2025 | 672 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | ROC Captial |  |  |  | $0.00 |  |  |  |  |  | No | 7.830% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.07 | 0.93 |  |  |  |  |  |  |  | 05/01/2055 | $20448.95 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 23.09 | Retail |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| [Redact] | 9136010 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | $1530.75 | $1530.75 | 7.450% | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | $1446.00 | $1780.56 | $120.50 | $148.38 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/16/2025 | 721 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | ROC Captial |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.450% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.11 | 0.9 |  |  |  |  |  |  |  | 05/01/2055 | $4592.25 | 1.660% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | 35.87 | Retail |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9136025 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | $1477.22 | $1477.22 | 7.660% | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | $1794.12 | $2067.96 | $149.51 | $172.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/23/2025 | 706 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ROC Captial |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.660% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.06 | 0.95 |  |  |  |  |  |  |  | 05/01/2055 | $4431.66 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | 29.57 | Broker |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9157022 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $2961.50 | $4947.77 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Non-Employment Income | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 35.363% | 35.363% | 35.363% | [Redact] | 683 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Social Security]; 1099-SSA - 2024<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; 1099-SSA - 2024<br> [Coborrower(s) - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $2961.50 |  | [Redact] | $0.00 | 1.6 |  |  |  | N/A | No | [Redact] | 0 | 0 | 1 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | Yes | 32.26 |  | No | No |  | [Redact] | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9158960 | [Redact] | [Redact] | Exempt from ATR | Non QM |  |  | No | No | $48215.00 | $27253.57 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 36.627% | 36.627% | 36.627% | [Redact] | 652 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $48215.00 |  | [Redact] | $0.00 | 3.7 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 105.28 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9160224 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $37506.00 | $25806.76 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | [Redact] |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 11.182% | 11.182% | 11.182% | [Redact] | 690 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $86311.00 |  | [Redact] | $50000.00 | 1.1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 20.060% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 13.44 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9160482 | [Redact] | [Redact] | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 660 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  |  | $0.00 | 3.2 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 41.82 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9165532 | [Redact] | [Redact] | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 679 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  |  | $0.00 | 4.6 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.98 |  |  |  |  |  |  |  | [Redact] | [Redact] | 44.030% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12.46 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| [Redact] | 9162979 | [Redact] | [Redact] | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 736 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  |  | $0.00 | 2.1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  |  | [Redact] | [Redact] | 75.820% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 109.34 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9162978 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $22264.00 | $29226.11 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 4.417% | 4.417% | 4.417% | [Redact] | 682 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 95.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 95.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 95.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 95.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $22264.00 |  | [Redact] | $0.00 | 5 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 32.050% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 8.05 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9153165 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | $2185.41 | $2185.41 | 7.510% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $6466.44 | $2743.80 | $538.87 | $228.65 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/26/2025 | 666 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | ROC Captial |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.510% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.08 | 0.92 |  |  |  |  |  |  | 240 | 05/01/2055 | $75876.30 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 26.03 | Retail |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| [Redact] | 9153185 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | $1411.16 | $1411.16 | 7.990% | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | $3745.92 | $2231.76 | $312.16 | $185.98 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/24/2025 | 665 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | ROC Captial |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.990% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.13 | 0.89 |  |  |  |  |  |  |  | 05/01/2055 | $4233.48 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | LLC | Authorized Signor |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 12.56 | Retail |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9153196 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | $1668.33 | $1668.33 | 7.070% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | $5594.16 | $2302.92 | $466.18 | $191.91 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/24/2025 | 678 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | ROC Captial |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.070% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.87 | 0.53 |  |  |  |  |  |  |  | 06/01/2055 | $28214.64 |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 12.13 | Retail |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9153198 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | $630.67 | $630.67 | 8.180% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $849.84 | $1718.28 | $70.82 | $143.19 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/07/2025 | 660 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | ROC Captial |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.180% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.64 | 0.61 |  |  |  |  |  |  |  | 05/01/2055 | $1892.01 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 129.07 | Retail |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9166201 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $4020.00 | $5613.48 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 38.949% | 38.949% | 38.949% | [Redact] | 803 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $4020.00 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 2 |  | 2 | 0 | 4 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 53.45 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9166226 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $35395.00 | $43226.45 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 12.208% | 12.208% | 12.208% | [Redact] | 736 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $35395.00 |  | [Redact] | $15000.00 | 1.4 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 19.930% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 32.47 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9169280 | [Redact] | [Redact] | N/A |  |  |  | No | No | $0.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 726 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.35 | 0.74 |  |  |  |  |  |  |  | [Redact] | [Redact] | 21.860% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 86.14 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9171600 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $14571.50 | $18047.02 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 43.469% | 43.469% | 43.469% | [Redact] | 716 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $14571.50 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 5 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 110.55 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9171895 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $29867.68 | $14891.00 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 24.423% | 24.423% | 24.423% | [Redact] | 713 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $29867.68 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 19.180% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 4.18 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9173438 | [Redact] | [Redact] | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 728 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  |  | $0.00 | 1.1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.37 | 0.73 |  |  |  |  |  |  |  | [Redact] | [Redact] | 17.640% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 27.66 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9173453 | [Redact] | [Redact] | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 725 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  |  | $0.00 | 1.1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.98 |  |  |  |  |  |  | 240 | [Redact] | [Redact] | 66.660% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 60.94 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9173969 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $20170.00 | $26711.95 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 46.952% | 46.952% | 46.952% | [Redact] | 667 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $20170.00 |  | [Redact] | $23000.00 | 1 |  |  |  | N/A | No | [Redact] | 2 |  | 2 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 69.890% | No | 29 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 66.71 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9131275 | [Redact] |  | N/A |  |  |  | No | No | $0.00 |  |  | 8.073% | $1467.17 | $1467.17 | 8.125% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $22951.73 | 1 | $3507.48 | $798.00 | $292.29 | $66.50 |  |  |  |  |  | 29.836% | 29.836% | 29.836% | 01/23/2025 | 729 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2022 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arch |  |  | 6.920% | $0.00 |  |  |  |  | N/A | No | 8.125% | 3 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 03/01/2055 | $908561.98 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 452.59 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9131277 | [Redact] |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $0.00 |  |  | 7.593% | $2491.43 | $2491.43 | 7.625% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $10121.97 | 1 | $1115.64 | $1086.00 | $92.97 | $90.50 |  |  |  |  |  | 39.041% | 39.041% | 39.041% | 01/13/2025 | 803 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - No Results Returned - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - No Results Returned - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Arch |  |  | 6.930% | $0.00 | 2.5 |  |  |  | N/A | No | 7.625% | 3 | 2 | 0 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 03/01/2055 | $250191.75 | 56.860% | No | 24 | 24 |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 51.22 |  | No | No |  | $0.00 | $6867.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9131279 | [Redact] |  | N/A |  |  |  | No | No | $0.00 |  |  | 7.109% | $2352.63 | $2352.63 | 7.125% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $11701.60 | 1 | $1992.00 | $1148.52 | $166.00 | $95.71 |  |  |  |  |  | 41.450% | 41.450% | 41.450% | 01/27/2025 | 805 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arch |  |  | 6.920% | $0.00 |  |  |  |  | N/A | No | 7.125% | 0 |  | 0 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 03/01/2055 | $232510.91 | 53.260% | No | 7 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 53.13 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9131274 | [Redact] |  | Non QM |  |  |  | Yes | No | $5428.00 | $6252.55 |  | 7.056% | $1718.75 | $2303.44 | 6.875% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $10427.58 | 1 | $5897.16 | $4157.76 | $491.43 | $346.48 |  |  |  |  |  | 28.933% | 24.948% | 28.933% | 02/06/2025 | 805 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Arch | $5428.00 |  | 6.930% | $0.00 | 1.1 |  |  |  | N/A | No | 6.875% | 2 | 3 | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  | 240 | 03/01/2055 | $75516.72 |  | No | 19 | 25 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 23.62 |  |  | No |  | $0.00 | $4719.28 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9131284 | [Redact] |  | N/A |  |  |  | No | No | $0.00 |  |  | 7.198% | $1059.42 | $1059.42 | 7.250% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7496.35 | 1 | $413.52 | $1188.24 | $34.46 | $99.02 |  |  |  |  |  | 26.730% | 26.730% | 26.730% | 01/14/2025 | 760 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arch |  |  | 6.850% | $0.00 | 1.3 | DU |  | ApproveEligible | N/A | No | 7.250% | 0 |  | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 04/01/2055 | $23772.26 |  | No | 0 |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 19.93 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9131278 | [Redact] |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $8743.63 | $13596.07 |  | 7.490% | $5957.07 | $5957.07 | 7.375% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $41338.93 | 1 | $8654.04 | $2063.04 | $721.17 | $171.92 |  |  |  |  |  | 23.741% | 23.741% | 23.741% | 02/04/2025 | 695 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Arch | $8743.63 |  | 6.920% | $15000.00 | 3.9 | DU |  | ApproveIneligible | N/A | No | 7.375% | 2 |  | 0 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 04/01/2055 | $623998.71 | 54.260% | No | 25 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 39.18 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9131283 | [Redact] |  | N/A |  |  |  | No | No | $0.00 |  |  | 6.841% | $5465.65 | $5465.65 | 6.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $17633.31 | 1 | $15142.92 | $1742.04 | $1261.91 | $145.17 |  |  |  |  |  | 42.894% | 42.894% | 42.894% | 01/13/2025 | 767 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arch |  |  | 6.850% | $0.00 | 4.2 |  |  |  | N/A | No | 6.875% | 3 |  | 2 | 0 | 3 | 2 |  |  | 12.00 | No |  |  | HELOC | No |  |  |  |  |  | 04/01/2055 | $451978.64 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Trustee |  |  |  |  |  |  |  |  |  |  |  |  | No | Trustee | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 58.24 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9131286 | [Redact] |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1690.00 | $4256.34 |  | 7.296% | $3567.78 | $3567.78 | 7.250% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $59378.72 | 1 | $6456.00 | $3438.48 | $538.00 | $286.54 |  |  |  |  |  | 28.309% | 28.309% | 28.309% | 02/25/2025 | 721 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% | 50.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Arch | $1690.00 |  | 6.850% | $0.00 |  |  |  |  | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 04/01/2055 | $182385.53 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 40.45 |  | No | No |  | $41412.71 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9131285 | [Redact] |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $8519.20 | $12008.70 |  | 7.120% | $5359.68 | $5359.68 | 7.000% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $12553.40 | 1 | $3780.00 | $1353.00 | $315.00 | $112.75 |  |  |  |  |  | 32.855% | 32.855% | 32.855% | 01/09/2025 | 794 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Arch | $8519.20 |  | 6.850% | $0.00 |  |  |  |  | N/A | No | 7.000% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 04/01/2055 | $560663.70 | 55.670% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 56.29 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9131289 | [Redact] |  | N/A |  |  |  | No | No | $0.00 |  |  | 7.344% | $3757.27 | $3757.27 | 7.375% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $13177.85 | 1 | $4464.00 | $5078.04 | $372.00 | $423.17 |  |  |  |  |  | 42.032% | 42.032% | 42.032% | 02/24/2025 | 789 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2022<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Balance Sheet - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Balance Sheet - 2024<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; P&L Statement - 2024<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - No Results Returned - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arch |  |  | 6.880% | $0.00 | 2.8 |  |  |  | N/A | No | 7.375% | 3 | 0 | 2 | 0 | 3 | 2 |  |  | 14.13 | No |  |  |  |  |  |  |  |  |  | 04/01/2055 | $168052.73 | 24.710% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 28.54 |  | No | No |  | $19508.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9131290 | [Redact] |  | N/A |  |  |  | No | No | $0.00 |  |  | 6.973% | $1676.56 | $1676.56 | 7.000% | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7727.15 | 1 | $4264.08 | $600.00 | $355.34 | $50.00 |  |  |  |  |  | 41.287% | 41.287% | 41.287% | 02/20/2025 | 796 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - Pension]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Pension]; Paystubs - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arch |  |  | 6.730% | $6300.00 | 1 | DU |  | ApproveEligible | N/A | No | 7.000% | 0 |  | 0 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 04/01/2055 | $204363.80 | 64.870% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 55.49 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9131291 | [Redact] |  | N/A |  |  |  | No | No | $0.00 |  |  | 6.979% | $1699.02 | $1699.02 | 7.000% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $11118.81 | 1 | $2218.44 | $1130.04 | $184.87 | $94.17 |  |  |  |  |  | 34.887% | 34.887% | 34.887% | 02/25/2025 | 768 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - Sole Proprietor]; Balance Sheet - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Balance Sheet - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2022 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arch |  |  | 6.730% | $0.00 |  |  |  |  | N/A | No | 7.000% | 0 |  | 2 | 0 | 3 | 3 |  |  | 13.90 | No |  |  |  |  |  |  |  |  |  | 04/01/2055 | $413487.36 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 165.56 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9131292 | [Redact] |  | N/A |  |  |  | No | No | $0.00 |  |  | 7.238% | $1151.17 | $1151.17 | 7.250% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $22743.03 | 1 | $5247.84 | $2661.96 | $437.32 | $221.83 |  |  |  |  |  | 24.337% | 24.337% | 24.337% | 03/19/2025 | 795 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - No Results Returned - 2024<br> [Coborrower]; Transcripts (1040) - No Results Returned - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arch |  |  | 6.730% | $0.00 | 1 |  |  |  | N/A | No | 7.250% | 2 | 2 | 0 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 04/01/2055 | $566833.95 | 100.000% | No | 26 | 26 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 18.24 |  | No | No |  | $0.00 | $14058.33 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9080787 | [Redact] |  | N/A |  |  |  | No | No | $4998.40 | $13085.99 |  | 7.454% | $4024.84 | $4024.84 | 7.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $107817.28 | 2 | $12116.88 | $5529.00 | $1009.74 | $460.75 |  |  |  |  |  | 24.159% | 24.159% | 24.159% | 02/20/2025 | 703 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | MaxEx | $4998.40 |  | 6.730% | $0.00 |  |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 4 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 04/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 20.45 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9108215 | [Redact] |  | Non QM |  |  |  | Yes | No | $8183.00 | $17386.30 |  | 7.098% | $6941.67 | $9226.06 | 7.000% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $47783.82 | 1 | $21249.96 | $2656.92 | $1770.83 | $221.41 |  |  |  |  |  | 19.022% | 15.150% | 19.022% | 03/31/2025 | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 50.000% | 50.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | MaxEx | $8183.00 |  | 6.650% | $0.00 |  |  |  |  | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 4 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  | 240 | 05/01/2055 | $837301.15 | 49.250% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 26.29 |  |  | No |  | $29504.06 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9081464 | [Redact] |  | Non QM |  |  |  | Yes | No | $6095.00 | $6880.26 |  | 7.002% | $821.69 | $821.69 | 6.500% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $3505.28 | 1 | $504.84 | $1353.96 | $42.07 | $112.83 |  |  |  |  |  | 29.270% | 29.270% | 29.270% | 02/06/2025 | 721 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | MaxEx | $6095.00 |  | 6.730% | $0.00 |  |  |  |  | N/A | No | 6.500% | 0 |  | 0 | 0 | 4 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | 05/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 34.09 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9111617 | [Redact] |  | Non QM |  |  |  | Yes | No | $5932.50 | $12820.78 |  | 6.832% | $5906.25 | $7983.82 | 6.750% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $83261.85 | 1 | $21875.04 | $2772.00 | $1822.92 | $231.00 |  |  |  |  |  | 13.873% | 11.724% | 13.873% | 03/28/2025 | 775 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 49.000% | 51.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | MaxEx | $5932.50 |  | 6.660% | $0.00 |  |  |  |  | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  | 240 | 05/01/2055 |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 53.07 |  | No | No |  | $49303.27 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9102222 | [Redact] |  | N/A |  |  |  | No | No | $1790.00 | $6405.50 |  | 7.140% | $11875.00 | $15656.40 | 7.125% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $108678.47 | 1 | $39260.76 | $10023.60 | $3271.73 | $835.30 |  |  |  |  |  | 43.764% | 41.808% | 43.764% | 03/20/2025 | 751 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | MaxEx | $1790.00 |  | 6.660% | $0.00 |  |  |  |  | N/A | No | 7.125% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  | 240 | 05/01/2055 | $757340.14 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Trustee |  |  |  |  |  |  |  |  |  |  |  |  | No | Trustee | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 36.66 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9085837 | [Redact] |  | N/A |  |  |  | No | No | $0.00 |  |  | 7.578% | $3397.41 | $3397.41 | 7.625% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $3137.40 | $2175.00 | $261.45 | $181.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/25/2025 | 673 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | MaxEx |  |  | 6.620% | $0.00 | 1 |  |  |  | N/A | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.09 | 0.92 |  |  |  |  |  |  |  | 05/01/2055 | $22818.23 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 73.21 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9176101 | [Redact] | [Redact] | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 671 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.39 | 0.72 |  |  |  |  |  |  |  | [Redact] | [Redact] | 0.740% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 9.47 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9178206 | [Redact] | [Redact] | N/A |  |  |  | No | No | $24444.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 698 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $24444.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.23 | 0.81 |  |  |  |  |  |  |  | [Redact] | [Redact] | 30.130% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.59 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| [Redact] | 9075122 | [Redact] |  | Non QM |  |  |  | Yes | No | $0.00 | $2359.63 |  | 7.211% | $6403.11 | $7214.10 | 7.822% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $36010.74 | 1 | $81239.88 | $19110.96 | $6769.99 | $1592.58 |  |  |  |  |  | 45.415% | 44.186% | 45.415% | 03/07/2025 | 758 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 72 | Business | 100.000% | 25.000% | 50.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 25.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 25.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 25.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 25.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 25.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 25.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 25.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 25.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 25.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2021<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2023<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2022<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2021<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; CPA Letter - 2025<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; 4506-C (for Business) - 2023<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; 4506-C (for Business) - 2022<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; 4506-C (for Business) - 2021<br> [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2023<br> [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2022<br> [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2021<br> [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2023<br> [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2022<br> [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2021<br> [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2023<br> [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2022<br> [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2021<br> [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2023<br> [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2022<br> [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2021 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | MaxEx |  |  | 6.660% | $0.00 |  |  |  |  | N/A | No | 7.822% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 04/01/2055 | $201692.55 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 11.89 |  | No | No |  | $61862.57 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9123862 | [Redact] |  | N/A |  |  |  | No | No | $14351.80 | $15462.60 |  | 7.621% | $2155.36 | $2155.36 | 7.125% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $182515.72 | 1 | $4848.96 | $1544.40 | $404.08 | $128.70 |  |  |  |  |  | 3.237% | 3.237% | 3.237% | 04/03/2025 | 760 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | MaxEx | $14351.80 |  | 6.620% | $10000.00 | 1 |  |  |  | N/A | No | 7.125% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 05/01/2055 | $5625.00 | 1.400% | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 20.92 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9121987 | [Redact] |  | Non QM |  |  |  | Yes | No | $47545.00 | $48624.35 |  | 7.324% | $7226.22 | $7226.22 | 6.875% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $15578.38 | 1 | $9946.68 | $2178.12 | $828.89 | $181.51 |  |  |  |  |  | 40.940% | 40.940% | 40.940% | 02/07/2025 | 665 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 82.000% | 50.000% | 50.000% |  | [Borrower - \| Non-Primary Income - Social Security]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2022<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; Account Statements - 2025<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; 4506-C (for Business) - 2024<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; 4506-C (for Business) - 2023<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; 4506-C (for Business) - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | MaxEx | $47545.00 |  | 6.620% | $0.00 |  |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 05/01/2055 | $23302.97 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 51.1 |  |  | No |  | $12449.20 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9085578 | [Redact] |  | N/A |  |  |  | No | No | $22842.59 | $11864.56 |  | 8.390% | $1514.75 | $1514.75 | 7.900% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $4330.68 | $2151.96 | $360.89 | $179.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/20/2025 | 696 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | LendingOne | $22842.59 |  | 6.620% | $0.00 |  |  |  |  | N/A | No | 7.900% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.22 | 0.82 |  |  |  |  |  |  | 240 | 04/01/2055 | $126545.01 | 43.990% | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 28.09 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9180671 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $8488.38 | $19993.36 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 24.079% | 24.079% | 24.079% | [Redact] | 733 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 33.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 33.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 33.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 33.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 33.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 33.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 33.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 33.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 33.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 33.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 33.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 33.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 33.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 33.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $8488.38 |  | [Redact] | $0.00 | 3 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 31.940% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 88.38 | Retail | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9182317 | [Redact] | [Redact] | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 696 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.03 | 0.97 |  |  |  |  |  |  |  | [Redact] | [Redact] | 37.920% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 12.56 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| [Redact] | 9183098 | [Redact] | [Redact] | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 731 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.28 | 0.78 |  |  |  |  |  |  |  | [Redact] | [Redact] | 28.970% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 13.18 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| [Redact] | 9137906 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | $984.64 | $984.64 | 7.875% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | $722.28 | $4359.72 | $60.19 | $363.31 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/27/2025 | 752 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | The Lender |  |  |  | $0.00 |  |  |  |  | No | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.28 | 0.78 |  |  |  |  |  |  |  | 06/01/2055 | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 51.05 |  |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9137859 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | $1111.75 | $1111.75 | 7.500% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $3584.76 | $733.44 | $298.73 | $61.12 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/02/2025 | 724 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | The Lender |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.2 | 0.83 |  |  |  |  |  |  |  | 05/01/2055 | $5000.00 | 2.510% | No |  |  |  |  | Yes | Commitment | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 55.1 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| [Redact] | 9137781 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | $1370.14 | $1370.14 | 7.750% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $1605.48 | $1979.04 | $133.79 | $164.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/17/2025 | 667 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | The Lender |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.11 | 0.9 |  |  |  |  |  |  |  | 06/01/2055 | $205301.01 | 80.510% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 73.14 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| [Redact] | 9193688 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $21928.60 | $5158.60 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 15.355% | 15.355% | 15.355% | [Redact] | 743 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $21928.60 |  | [Redact] | $0.00 | 3.2 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 46.63 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9193692 | [Redact] | [Redact] | Exempt from ATR | Non QM |  |  | No | No | $40598.56 | $9847.91 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 45.735% | 45.735% | 45.735% | [Redact] | 814 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $40598.56 |  | [Redact] | $0.00 | 1.5 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 28.870% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 21.02 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9110378 | [Redact] |  | Non QM |  |  |  | Yes | No | $6750.00 | $15611.64 |  | 7.612% | $7551.52 | $7551.52 | 7.500% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $309541.87 | 1 | $6687.60 | $3117.36 | $557.30 | $259.78 |  |  |  |  |  | 11.560% | 11.560% | 11.560% | 03/20/2025 | 787 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | MaxEx | $6750.00 |  | 6.660% | $0.00 |  |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 05/01/2055 | $312190.76 | 23.120% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.16 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9092480 | [Redact] |  | Non QM |  |  |  | Yes | No | $2682.50 | $5139.46 |  | 7.461% | $2969.90 | $2969.90 | 7.375% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $50435.81 | 1 | $3490.68 | $1163.52 | $290.89 | $96.96 |  |  |  |  |  | 17.645% | 17.645% | 17.645% |  | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2009 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | MaxEx | $2682.50 |  | 6.620% | $0.00 |  |  |  |  | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 3 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 05/01/2055 | $302931.21 | 44.540% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 12.64 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9135948 | [Redact] |  | Non QM |  |  |  | Yes | No | $28479.96 | $33763.50 |  | 8.089% | $6272.66 | $7973.46 | 7.750% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $36001.84 | 1 | $16187.52 | $1298.04 | $1348.96 | $108.17 |  |  |  |  |  | 30.319% | 27.027% | 30.319% | 03/20/2025 | 666 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 50.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | MaxEx | $28479.96 |  | 6.810% | $0.00 | 2.3 |  |  |  | N/A | No | 7.750% | 0 |  | 0 | 0 | 2 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  | 240 | 05/01/2055 | $1028203.48 | 79.390% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 65.83 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9138220 | [Redact] |  | Non QM |  |  |  | Yes | No | $1615.00 | $3545.13 |  | 7.099% | $1705.86 | $1705.86 | 7.000% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $5786.54 | 1 | $11250.00 | $1246.80 | $937.50 | $103.90 |  |  |  |  |  | 46.873% | 46.873% | 46.873% | 04/04/2025 | 698 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% | 50.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | MaxEx | $1615.00 |  | 6.880% | $0.00 |  |  |  |  | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 06/01/2055 | $101119.61 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 32.39 |  |  | No |  | $5445.90 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9120624 | [Redact] |  | N/A |  |  |  | No | No | $5175.00 | $5808.56 |  | 8.960% | $1431.13 | $1431.13 | 8.625% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $3806.16 | $467.16 | $317.18 | $38.93 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/10/2025 | 778 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | MaxEx | $5175.00 |  | 6.620% | $0.00 | 1 |  |  |  | N/A | No | 8.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.78 | 1.29 |  |  |  |  |  |  |  | 05/01/2055 | $158617.14 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 119.49 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| [Redact] | 9132519 | [Redact] |  | N/A |  |  |  | No | No | $29200.00 |  |  | 7.443% | $5104.27 | $5104.27 | 7.500% | No | No |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  |  | 1 | $25084.56 | $717.00 | $2090.38 | $59.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/20/2025 | 756 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | MaxEx | $29200.00 |  | 6.810% | $0.00 | 1.1 |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.77 | 1.31 |  |  |  |  |  |  |  | 06/01/2055 | $74111.42 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 8.47 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9158543 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | $1321.78 | $1321.78 | 7.750% | No | No |  |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  |  | 1 | $3460.56 | $2051.64 | $288.38 | $170.97 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/14/2025 | 693 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | The Lender |  |  |  | $0.00 | 2.8 |  |  |  | N/A | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.07 | 0.94 |  |  |  |  |  |  |  | 06/01/2055 | $53012.41 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.64 |  |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9158368 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | $2917.23 | $2917.23 | 7.750% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 3 | $4764.00 | $3768.96 | $397.00 | $314.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/17/2025 | 709 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | The Lender |  |  |  | $0.00 |  |  |  |  | No | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.35 | 0.74 |  |  |  |  |  |  |  | 07/01/2055 | $120534.53 | 23.680% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 27.36 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9137822 | [Redact] |  | Non QM |  |  |  | Yes | No | $9995.00 | $14583.92 |  | 7.272% | $4750.00 | $6262.56 | 7.125% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $11466.30 | 1 | $9280.32 | $2979.96 | $773.36 | $248.33 |  |  |  |  |  | 41.956% | 34.299% | 41.956% | 03/14/2025 | 734 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | The Lender | $9995.00 |  | 6.650% | $0.00 | 3 |  |  |  | No | No | 7.125% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  | 240 | 06/01/2055 |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 104.78 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9158419 | [Redact] |  | Non QM |  |  |  | Yes | No | $17895.00 | $23326.44 |  | 7.294% | $5289.15 | $5289.15 | 7.000% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $12488.70 | 1 | $13250.04 | $651.96 | $1104.17 | $54.33 |  |  |  |  |  | 36.812% | 36.812% | 36.812% | 03/26/2025 | 819 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | The Lender | $17895.00 |  | 6.880% | $0.00 | 1 |  |  |  | Yes | No | 7.000% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 06/01/2055 | $333296.72 | 31.440% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 5.8 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9158474 | [Redact] |  | Non QM |  |  |  | Yes | No | $11775.00 | $12196.35 |  | 7.889% | $3461.11 | $3461.11 | 7.625% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $6552.69 | 1 | $4272.00 | $3177.24 | $356.00 | $264.77 |  |  |  |  |  | 39.521% | 39.521% | 39.521% | 04/14/2025 | 685 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | The Lender | $11775.00 |  | 6.880% | $0.00 | 1.2 |  |  |  | N/A | No | 7.625% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 06/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 15.43 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9137831 | [Redact] |  | N/A |  |  |  | No | No | $23675.63 | $7797.34 |  | 8.050% | $5035.46 | $5035.46 | 8.000% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $48325.57 | 1 | $10181.40 | $4626.96 | $848.45 | $385.58 |  |  |  |  |  | 16.395% | 16.395% | 16.395% | 03/05/2025 | 702 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2010 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | The Lender | $23675.63 |  | 6.810% | $0.00 | 4 |  |  |  | No | No | 8.000% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 06/01/2055 | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 23.22 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9183106 | [Redact] |  | N/A |  |  |  | No | No | $0.00 |  |  | 7.076% | $2651.76 | $2651.76 | 7.125% | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $21866.99 | 1 | $2697.12 | $1107.96 | $224.76 | $92.33 |  |  |  |  |  | 16.165% | 16.165% | 16.165% | 02/13/2025 | 800 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arch |  |  | 6.850% | $250.00 | 1 | DU |  | ApproveEligible | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 04/01/2055 | $246245.37 | 50.040% | No | 25 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 46.45 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9183109 | [Redact] |  | N/A |  |  |  | No | No | $0.00 |  |  | 7.612% | $2378.19 | $2378.19 | 7.625% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $28665.03 | 1 | $5234.64 | $2562.00 | $436.22 | $213.50 |  |  |  |  |  | 18.662% | 18.662% | 18.662% | 03/05/2025 | 791 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arch |  |  | 6.620% | $786.50 |  | DU |  | ApproveEligible | N/A | No | 7.625% | 2 | 2 | 0 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 04/01/2055 | $164296.59 | 39.110% | No | 16 | 26 |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 22.95 |  | No | No |  | $0.00 | $17325.07 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9183105 | [Redact] |  | N/A |  |  |  | No | No | $0.00 |  |  | 6.868% | $6897.75 | $6897.75 | 6.875% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $29007.92 | 1 | $13624.68 | $7794.00 | $1135.39 | $649.50 |  |  |  |  |  | 36.065% | 36.065% | 36.065% | 03/20/2025 | 794 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arch |  |  | 6.650% | $0.00 |  |  |  |  | N/A | No | 6.875% | 2 |  | 1 | 0 | 4 | 3 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 04/01/2055 | $1056204.74 | 75.440% | No | 26 |  |  |  | Yes | Commitment | Fee Simple | Individual | Trustee |  |  |  |  |  |  |  |  |  |  |  |  | No | Trustee | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 78.71 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9183103 | [Redact] |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $6452.00 | $6677.10 |  | 7.624% | $1851.01 | $1851.01 | 7.375% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $10138.78 | 1 | $4685.28 | $1898.04 | $390.44 | $158.17 |  |  |  |  |  | 39.604% | 39.604% | 39.604% | 01/20/2025 | 725 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Arch | $6452.00 |  | 6.850% | $0.00 |  | DU |  | ApproveEligible | N/A | No | 7.375% | 3 |  | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 04/01/2055 | $228387.78 | 68.170% | No | 25 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 47.95 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9183114 | [Redact] |  | N/A |  |  |  | No | No | $0.00 |  |  | 6.748% | $1208.99 | $1208.99 | 6.750% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $10060.57 | 1 | $2302.80 | $710.28 | $191.90 | $59.19 |  |  |  |  |  | 16.278% | 16.278% | 16.278% | 02/28/2025 | 753 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arch |  |  | 6.650% | $0.00 | 1.1 |  |  |  | N/A | No | 6.750% | 3 |  | 0 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 04/01/2055 | $77651.89 | 33.320% | No | 26 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 13.68 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9183112 | [Redact] |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $6975.00 | $10893.85 |  | 6.806% | $3611.35 | $3611.35 | 6.625% | No | No | Not Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $20740.46 | 1 | $10127.28 | $603.00 | $843.94 | $50.25 |  |  |  |  |  | 19.455% | 19.455% | 19.455% | 12/04/2024 | 760 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Arch | $6975.00 |  | 6.620% | $5000.00 |  | DU |  | ApproveEligible | N/A | No | 6.625% | 0 | 2 | 0 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 04/01/2055 | $1783345.06 | 100.000% | No |  | 27 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 339.7 |  |  | No |  | $0.00 | $25750.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9183107 | [Redact] |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $8493.00 | $13016.35 |  | 7.029% | $4138.65 | $4138.65 | 6.875% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $25353.11 | 1 | $6308.76 | $1773.96 | $525.73 | $147.83 |  |  |  |  |  | 30.897% | 30.897% | 30.897% | 01/24/2025 | 778 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - K-1 (< 25%)]; Other - 2025<br> [Borrower - \| Primary Income - K-1 (< 25%)]; Other - 2025<br> [Borrower - \| Primary Income - K-1 (< 25%)]; Paystubs - 2025<br> [Borrower - \| Primary Income - K-1 (< 25%)]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - K-1 (< 25%)]; VVOE - 2025<br> [Borrower - \| Primary Income - K-1 (< 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - K-1 (< 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - K-1 (< 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - K-1 (< 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - K-1 (< 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - K-1 (< 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - K-1 (< 25%)]; 4506-C (for Business) - 2022<br> [Borrower - \| Primary Income - K-1 (< 25%)]; 4506-C (for Business) - 2022<br> [Borrower - \| Primary Income - K-1 (< 25%)]; K-1 - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Arch | $8493.00 |  | 6.730% | $0.00 | 3.5 |  |  |  | N/A | No | 6.875% | 0 | 3 | 2 | 0 | 3 | 2 |  |  | 1.47 | No |  |  |  |  |  | Not Stated |  |  |  | 05/01/2055 | $477608.21 | 56.850% | No | 26 | 16 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 49.69 |  | No | No |  | $0.00 | $16981.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9183118 | [Redact] |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $2502.75 | $5495.03 |  | 6.811% | $3161.59 | $3161.59 | 6.750% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $21890.03 | 1 | $4101.36 | $1752.12 | $341.78 | $146.01 |  |  |  |  |  | 17.666% | 17.666% | 17.666% | 02/05/2025 | 769 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Arch | $2502.75 |  | 6.660% | $173000.00 | 2.3 |  |  |  | N/A | No | 6.750% | 2 | 1 | 0 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 05/01/2055 | $190282.05 | 29.270% | No | 26 | 2 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 50.22 |  | No | No |  | $0.00 | $5833.32 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9183113 | [Redact] |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1918.00 | $10439.94 |  | 7.270% | $9332.17 | $9332.17 | 7.250% | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $23094.60 | 1 | $7430.76 | $4047.96 | $619.23 | $337.33 |  |  |  |  |  | 38.414% | 38.414% | 38.414% | 03/12/2025 | 786 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Arch | $1918.00 |  | 6.650% | $7800.00 | 2.6 |  |  |  | N/A | No | 7.250% | 0 | 0 | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 05/01/2055 | $287312.73 | 18.900% | No | 0 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 12.17 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9183110 | [Redact] |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1285.00 | $3167.70 |  | 7.429% | $2020.07 | $2020.07 | 7.375% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $8795.72 | 1 | $2279.40 | $1303.20 | $189.95 | $108.60 |  |  |  |  |  | 48.326% | 48.326% | 48.326% | 04/01/2025 | 796 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Arch | $1285.00 |  | 6.620% | $0.00 | 3.7 | DU |  | ApproveEligible | N/A | No | 7.375% | 2 | 2 | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 05/01/2055 | $404393.62 | 100.000% | No | 27 | 28 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 115.7 |  | No | No |  | ($95.33) | $5405.08 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9183128 | [Redact] |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $4036.00 | $6305.54 |  | 7.617% | $2964.67 | $2964.67 | 7.500% | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $6996.52 | 1 | $6875.16 | $3174.72 | $572.93 | $264.56 |  |  |  |  |  | 49.149% | 49.149% | 49.149% | 02/14/2025 | 701 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - Social Security]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | Arch | $4036.00 |  | 6.620% | $0.00 | 1.1 |  |  |  | N/A | No | 7.500% | 2 | 0 | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 05/01/2055 | $93377.37 |  | No | 26 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | Yes | 24.33 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9183123 | [Redact] |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $4951.12 | $6446.02 |  | 7.523% | $2541.69 | $2541.69 | 7.375% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4592.83 | 1 | $2644.32 | $1349.04 | $220.36 | $112.42 |  |  |  |  |  | 42.448% | 42.448% | 42.448% | 04/04/2025 | 801 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Arch | $4951.12 |  | 6.620% | $0.00 |  | LP / LPA |  | Accept/Eligible | Yes | No | 7.375% | 3 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 05/01/2055 | $388764.02 | 84.510% | No | 27 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 105.39 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9183124 | [Redact] |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1873.00 | $4054.35 |  | 7.330% | $2537.70 | $2537.70 | 7.250% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $6822.76 | 1 | $3301.56 | $784.92 | $275.13 | $65.41 |  |  |  |  |  | 41.825% | 41.825% | 41.825% | 03/11/2025 | 815 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Arch | $1873.00 |  | 6.650% | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | 7.250% | 2 |  | 0 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 05/01/2055 | $220710.45 | 47.460% | No | 26 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 41.2 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9183116 | [Redact] |  | N/A |  |  |  | No | No | $0.00 |  |  | 7.481% | $4474.97 | $4474.97 | 7.500% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $12456.34 | 1 | $2818.08 | $1214.28 | $234.84 | $101.19 |  |  |  |  |  | 41.105% | 41.105% | 41.105% | 03/26/2025 | 800 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arch |  |  | 6.650% | $0.00 |  |  |  |  | N/A | No | 7.500% | 2 |  | 0 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 05/01/2055 | $452891.59 | 56.610% | No | 63 |  |  |  | Yes | Commitment | Fee Simple | Individual | Trustee |  |  |  |  |  |  |  |  |  |  |  |  | No | Trustee | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 49.25 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9183130 | [Redact] |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1595.00 | $6391.58 |  | 6.923% | $6774.58 | $6774.58 | 6.875% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $22749.24 | 1 | $18772.56 | $4448.04 | $1564.38 | $370.67 |  |  |  |  |  | 39.837% | 39.837% | 39.837% | 04/15/2025 | 767 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Arch | $1595.00 |  | 6.620% | $3950.00 | 1 | DU |  | ApproveIneligible | N/A | No | 6.875% | 1 |  | 2 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 05/01/2055 | $582308.98 | 42.340% | No | 25 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 27.19 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9183111 | [Redact] |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $4117.68 | $11653.20 |  | 7.185% | $9216.47 | $9216.47 | 7.125% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $13496.96 | 1 | $19829.16 | $2661.00 | $1652.43 | $221.75 |  |  |  |  |  | 49.823% | 49.823% | 49.823% | 03/10/2025 | 777 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; Vesting Schedule - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Arch | $4117.68 |  | 6.620% | $51750.00 | 1.2 |  |  |  | N/A | No | 7.125% | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 05/01/2055 | $400902.60 | 23.440% | No | 18 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11.84 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9183134 | [Redact] |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $4338.00 | $6223.20 |  | 7.560% | $6768.40 | $6768.40 | 7.500% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $12504.60 | 1 | $11773.92 | $1872.96 | $981.16 | $156.08 |  |  |  |  |  | 47.256% | 47.256% | 47.256% | 04/11/2025 | 803 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Arch | $4338.00 |  | 6.700% | $19000.00 | 4.1 | DU |  | ApproveEligible | N/A | No | 7.500% | 2 |  | 0 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 05/01/2055 | $685732.09 | 56.670% | No | 28 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 56.82 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9183131 | [Redact] |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $0.00 | $3548.36 |  | 7.176% | $3781.41 | $3781.41 | 7.125% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7219.73 | 1 | $7227.60 | $1613.52 | $602.30 | $134.46 |  |  |  |  |  | 42.723% | 42.723% | 42.723% | 04/04/2025 | 750 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2022 | [Borrower]; Tax Return Extension - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Arch |  |  | 6.620% | $0.00 |  |  |  |  | N/A | No | 7.125% | 3 |  | 2 | 0 | 2 | 2 |  |  | 1.90 | No |  |  |  |  |  | Not Stated |  |  |  | 05/01/2055 | $417934.98 | 48.400% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 22.68 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9183121 | [Redact] |  | N/A |  |  |  | No | No | $0.00 |  |  | 7.361% | $3381.55 | $3381.55 | 7.375% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $12947.57 | 1 | $7296.96 | $1828.20 | $608.08 | $152.35 |  |  |  |  |  | 48.168% | 48.168% | 48.168% | 04/01/2025 | 742 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arch |  |  | 6.650% | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | 7.375% | 1 | 2 | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 05/01/2055 | $290377.12 | 47.440% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 34.07 |  | No | No |  | $0.00 | $14530.01 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9183119 | [Redact] |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $8596.75 | $10884.13 |  | 6.975% | $6142.28 | $6142.28 | 6.875% | No | No | Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $10136.80 | 1 | $7013.40 | $5187.24 | $584.45 | $432.27 |  |  |  |  |  | 44.312% | 44.312% | 44.312% | 04/03/2025 | 746 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - No Results Returned - 2024<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Balance Sheet - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; Balance Sheet - 2025<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arch | $8596.75 |  | 6.620% | $0.00 |  | DU |  | ApproveIneligible | N/A | No | 6.875% | 0 | 0 | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 05/01/2055 | $408232.78 |  | No | 6 |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 25.63 |  | No | No |  | $1523.13 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9183136 | [Redact] |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $5723.53 | $6727.59 |  | 7.387% | $1735.50 | $1735.50 | 7.125% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $9608.51 | 1 | $1640.88 | $504.00 | $136.74 | $42.00 |  |  |  |  |  | 40.983% | 40.983% | 40.983% | 03/14/2025 | 756 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arch | $5723.53 |  | 6.700% | $4000.00 | 2.5 |  |  |  | N/A | No | 7.125% | 1 | 1 | 2 | 0 | 3 | 3 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 05/01/2055 | $558131.49 | 100.000% | No | 17 | 16 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 254.86 |  | No | No |  | $0.00 | $6250.01 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9183135 | [Redact] |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $25420.00 | $26859.52 |  | 7.382% | $13643.53 | $13643.53 | 7.250% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $25721.74 | 1 | $10494.48 | $3393.00 | $874.54 | $282.75 |  |  |  |  |  | 42.032% | 42.032% | 42.032% | 03/31/2025 | 728 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; Employer Letter - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arch | $25420.00 |  | 6.700% | $0.00 |  |  |  |  | N/A | No | 7.250% | 1 |  | 0 | 0 | 3 | 3 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 05/01/2055 | $1254502.08 | 50.050% | No | 6 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 50.34 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9183129 | [Redact] |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1577.00 | $2226.94 |  | 6.772% | $5837.38 | $5837.38 | 6.750% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $35823.56 | 1 | $14376.48 | $1966.08 | $1198.04 | $163.84 |  |  |  |  |  | 24.756% | 24.756% | 24.756% | 02/11/2025 | 817 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; Vesting Schedule - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; Restricted Stock Agreement - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arch | $1577.00 |  | 6.650% | $2000.00 |  |  |  |  | N/A | No | 6.750% | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 05/01/2055 | $713879.38 | 71.380% | No | 27 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 83.44 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9183132 | [Redact] |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $6018.00 | $7307.17 |  | 7.339% | $5525.63 | $5525.63 | 7.250% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $41835.05 | 1 | $10177.32 | $3420.96 | $848.11 | $285.08 |  |  |  |  |  | 16.337% | 16.337% | 16.337% | 03/26/2025 | 741 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 82.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 82.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 82.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 82.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 82.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arch | $6018.00 |  | 6.620% | $0.00 |  |  |  |  | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 05/01/2055 | $258010.06 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Trustee | Individual | Trustee |  |  |  |  |  |  |  |  |  |  | No | Trustee | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 38.75 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9183120 | [Redact] |  | N/A |  |  |  | No | No | $0.00 |  |  | 7.371% | $1787.12 | $1787.12 | 7.375% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $41069.16 | 2 | $1062.24 | $1571.04 | $88.52 | $130.92 |  |  |  |  |  | 13.594% | 13.594% | 13.594% | 03/27/2025 | 738 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 |  | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arch |  |  | 6.660% | $6900.00 |  |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 05/01/2055 | $150299.69 | 43.560% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 42.71 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9183125 | [Redact] |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $2483.94 | $5032.14 |  | 7.612% | $2058.31 | $2058.31 | 7.500% | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $29689.09 | 1 | $6290.04 | $1029.96 | $524.17 | $85.83 |  |  |  |  |  | 31.842% | 31.842% | 31.842% | 02/04/2025 | 808 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Non-Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Non-Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Trust Income]; Account Statements - 2024<br> [Borrower - \| Primary Income - Trust Income]; Account Statements - 2024<br> [Borrower - \| Primary Income - Trust Income]; Account Statements - 2024<br> [Borrower - \| Primary Income - Trust Income]; Trust Agreement - 1987<br> [Borrower - \| Primary Income - Trust Income]; Trust Agreement - 1975<br> [Borrower - \| Primary Income - Trust Income]; Trust Agreement - 1973 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arch | $2483.94 |  | 6.650% | $275.00 |  |  |  |  | N/A | No | 7.500% | 1 |  | 1 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 06/01/2055 | $1779115.70 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 566.88 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9183117 | [Redact] |  | Non QM |  |  |  | Yes | No | $20161.25 | $34464.39 |  | 6.956% | $14411.72 | $19314.35 | 6.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $165968.48 | 1 | $24034.08 | $6591.12 | $2002.84 | $549.26 |  |  |  |  |  | 14.294% | 11.763% | 14.294% | 03/20/2025 | 708 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  | Arch | $20161.25 |  | 6.650% | $0.00 |  |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 3 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  | 240 | 06/01/2055 | $620488.30 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 28.38 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| [Redact] | 9183133 | [Redact] |  | N/A |  |  |  | No | No | $0.00 |  |  | 7.450% | $1644.55 | $1644.55 | 7.500% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $29961.24 | 1 | $797.40 | $657.96 | $66.45 | $54.83 |  |  |  |  |  | 34.632% | 34.632% | 34.632% | 03/31/2025 | 780 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arch |  |  | 6.700% | $0.00 |  |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 06/01/2055 | $133654.10 | 45.460% | No | 27 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 36.77 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |

---

## Exhibit 99.3

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

**Exhibit 99.3**

![](ex993001.jpg)

**EXECUTIVE SUMMARY**

**MSRM 2025-NQM6**

**By Clarifii LLC on July 31, 2025**

MSRM 2025-NQM6 Due Diligence Narrative Report – PagE \| 1

![](ex993001.jpg)

**CLARIFII CONTACT INFORMATION** 

---

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

---

**OVERVIEW**

Clarifii LLC ("Clarifii") conducted an independent third-party pre-securitization due diligence review (the "Review") of 133 Loans (the "Loans") originated by a correspondent lender and acquired by Morgan Stanley Mortgage Capital Holdings LLC and/or its affiliates (the "Client") for the MSRM 2025-NQM6 transaction. The Loans referenced in this narrative report were reviewed between 09/2024 to 06/2025 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;21 | &nbsp;&nbsp;15.79% | &nbsp;&nbsp;$10793575.00 |
| &nbsp;&nbsp;Correspondent Flow with Delegated UW | &nbsp;&nbsp;41 | &nbsp;&nbsp;30.83% | &nbsp;&nbsp;$16687939.00 |
| &nbsp;&nbsp;Correspondent Flow without Delegated UW | &nbsp;&nbsp;4 | &nbsp;&nbsp;3.01% | &nbsp;&nbsp;$923000.00 |
| &nbsp;&nbsp;Wholesale | &nbsp;&nbsp;67 | &nbsp;&nbsp;50.38% | &nbsp;&nbsp;$35855038.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**133** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$64259552.00** |

---

The Review consisted of a population of 133 Loans, with an aggregate principal balance of $64,259,552.00.

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

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

**LOAN SAMPLING**

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

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

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Identity of NRSRO** | &nbsp;&nbsp;**Title and Date of Criteria** |
| &nbsp;&nbsp;Kroll Bond Rating Agency, LLC | &nbsp;&nbsp;U.S. RMBS Rating Methodology, December 7, 2023 |
| &nbsp;&nbsp;DBRS, Inc. | &nbsp;&nbsp;Third-Party Due Diligence Criteria for U.S. RMBS Transactions, September 30, 2024 |
| &nbsp;&nbsp;S&P Global Ratings | &nbsp;&nbsp; Global Methodology And Assumptions: Assessing Pools Of Residential Loans, January 25, 2019; <br> Global Methodology And Assumptions: Assessing Pools Of Residential Loans--U.S. And Canada Supplement, February 21, 2025  |

---

**DATA INTEGRITY**

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

---

| |
|:---|
| &nbsp;&nbsp;**Data Comparison Fields** |
| &nbsp;&nbsp;Amortization Term |
| &nbsp;&nbsp;Application Date |
| &nbsp;&nbsp;ARM Initial Fixed Rate Period |
| &nbsp;&nbsp;Balloon Flag |
| &nbsp;&nbsp;Borrower 1 Bankruptcy in past 7 years? |
| &nbsp;&nbsp;Borrower 1 Birthdate |
| &nbsp;&nbsp;Borrower 1 Credit Report Date |
| &nbsp;&nbsp;Borrower 1 Email or Internet |
| &nbsp;&nbsp;Borrower 1 First Name |
| &nbsp;&nbsp;Borrower 1 FTHB |
| &nbsp;&nbsp;Borrower 1 Last Name |
| &nbsp;&nbsp;Borrower 1 Originator Citizenship Designation |
| &nbsp;&nbsp;Borrower 1 Phone Number |
| &nbsp;&nbsp;Borrower 1 Qualifying Income |
| &nbsp;&nbsp;Borrower 1 SSN |
| &nbsp;&nbsp;Borrower 2 First Name |
| &nbsp;&nbsp;Borrower 2 Last Name |
| &nbsp;&nbsp;Calculated DSCR |
| &nbsp;&nbsp;Cash Disbursement Date |
| &nbsp;&nbsp;Cash out Include Debt Paid at Close |
| &nbsp;&nbsp;First Payment Date |
| &nbsp;&nbsp;HOA Flag |
| &nbsp;&nbsp;Initial Monthly P&I Or IO Payment |
| &nbsp;&nbsp;Interest Only Flag |
| &nbsp;&nbsp;Interest Only Term |
| &nbsp;&nbsp;Interest Rate |
| &nbsp;&nbsp;Investor Loan ID |

---

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---

| |
|:---|
| &nbsp;&nbsp;Lender Name |
| &nbsp;&nbsp;Lien Position |
| &nbsp;&nbsp;Loan Amount |
| &nbsp;&nbsp;Loan ID |
| &nbsp;&nbsp;Loan Program |
| &nbsp;&nbsp;Loan Purpose |
| &nbsp;&nbsp;Maturity Date |
| &nbsp;&nbsp;MIN No |
| &nbsp;&nbsp;Note Date |
| &nbsp;&nbsp;Note Type |
| &nbsp;&nbsp;Number of Units |
| &nbsp;&nbsp;Occupancy |
| &nbsp;&nbsp;Origination Foreclosure Flag |
| &nbsp;&nbsp;Originator Doc Type |
| &nbsp;&nbsp;Originator QM Status |
| &nbsp;&nbsp;Payment Frequency |
| &nbsp;&nbsp;Prepayment Penalty Flag |
| &nbsp;&nbsp;Prepayment Penalty Total Term |
| &nbsp;&nbsp;Primary Appraised Property Value |
| &nbsp;&nbsp;Property Address |
| &nbsp;&nbsp;Property City |
| &nbsp;&nbsp;Property County |
| &nbsp;&nbsp;Property State |
| &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;Property Value |
| &nbsp;&nbsp;Property Zip Code |
| &nbsp;&nbsp;Qualifying Amortization Term |
| &nbsp;&nbsp;Qualifying CLTV |
| &nbsp;&nbsp;Qualifying FICO |
| &nbsp;&nbsp;Qualifying Housing Debt Income Ratio |
| &nbsp;&nbsp;Qualifying LTV |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio |
| &nbsp;&nbsp;Qualifying Total Housing Expense PITIA |
| &nbsp;&nbsp;Qualifying Total Reserves Number of Months |
| &nbsp;&nbsp;Refinance Type |
| &nbsp;&nbsp;Sales Price |
| &nbsp;&nbsp;Seller Loan ID |
| &nbsp;&nbsp;Short Term Rent Source |
| &nbsp;&nbsp;Term |
| &nbsp;&nbsp;Total Qualified Assets Available For Reserves |
| &nbsp;&nbsp;Total Qualifying Income |
| &nbsp;&nbsp;ULI |
| &nbsp;&nbsp;Verified Doc Type |

---

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**CREDIT UNDERWRITING**

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

● **Loan Attributes** 

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

– Assets and Reserves

– Gross Income

– Lien Position

– Loan Purpose

– Housing History

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

– Monthly Debt

– Occupancy

– Property Type

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

– Debt to Income Ratio (DTI)

– Residual Income

– Debt Service Coverage Ratio (DSCR)

● **Credit Application** 

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

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

– Borrower(s) employment history

– Citizenship and eligibility

– First time home buyer status

– The application was signed by all borrowers

– The application was substantially complete

● **Credit History** 

Clarifii verified the following items:

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

– Bankruptcy and foreclosure seasoning

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

– Installment and revolving payment history

– Mortgage/Rental payment history

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

– Number of tradelines

– Credit Score(s) and Qualifying Score Methodology

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● **Employment and Income** 

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

– Tax returns

– Financial statements

Paystubs

– IRS Form W-2s

– IRS Form 1099

– IRS documents

– Bank statements

– Lease agreements

– Award letters

– Other documentation in Loan file

● **Fraud Review** 

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

– Borrower identity

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

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

– Occupancy

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

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

– Employment

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

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

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

OFAC

● **Asset Review** 

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

– Verification of deposits (VOD)

– Depository account statements

– Stock or security account statements

– Gift funds

– Settlements statements

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

– Other documentation in Loan file

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

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

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

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

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

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

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

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

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

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

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

– Calculated DSCR, as required by guidelines

– Confirmed documentation requirements have been met

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

**DOCUMENT REVIEW**

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

● **Initial and Final 1003 Application** 

● **Note** 

● **Mortgage/Deed of Trust** 

● **Appraisal** 

● **Sales Contract** 

● **Title Commitment/Policy** 

● **Junior Lien/Subordination Agreement** 

● **Mortgage Insurance** 

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

● **Flood Certification** 

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

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

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

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**COMPLIANCE REVIEW**

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

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

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

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

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

● **Compliance Documentation Requirements** 

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

– Initial and final application (1003)

– Note, including all addendums

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

– Mortgage / Deed of Trust, including all riders

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

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

– Notice of Right to Cancel (when applicable)

– Rate Lock Date

– HOEPA Disclosures (when applicable)

– Initial Escrow Account Disclosure

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

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

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

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

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

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

**Right of Rescission** 

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

**Qualified Mortgage and Ability to Repay**

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

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

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

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

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

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

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

**Miscellaneous Compliance Testing**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

● **Business Purpose Loan Compliance Review** 

– Non-Owner Occupied Declaration Disclosure

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

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

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

– Review Note accuracy and properly executed

– Review Mortgage and applicable riders for accuracy and properly executed

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

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

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

– Right to Receive Copy of Appraisal or Appraisal Waiver Disclosure

– Letter of Explanation detailing the use of proceeds.

– Borrower's statement of purpose for the Loan.

– State License requirements when applicable

– State Predatory lending and high cost when applicable

**QUALIFIED MORTGAGE (QM)**

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

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

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.

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**ABILITY TO REPAY (ATR)**

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

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

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

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

**VALUATION REVIEW**

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

● **Title XI of the Financial Institutions Reform, Recovery, and Enforcement Act (FIRREA)** <br> 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)** <br> Clarifii confirmed the appraiser's certification is present and executed within the original appraisal.

MSRM 2025-NQM6 Due Diligence Narrative Report – PagE \| 13

![](ex993001.jpg)

**INDEPENDENT THIRD-PARTY VALUES**

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

**Valuation Reconciliation Process:**

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

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

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

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

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

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

**VALUATION RESULTS SUMMARY**

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

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Valuation Product** | &nbsp;&nbsp;**# of Files – No Hit** | &nbsp;&nbsp;**# of Files > -10% <br> Variance to OA or <br> Confidence < 80%** | &nbsp;&nbsp;**Number of Files <br> within -10% of OA <br> or Acceptable UCDP <br> Risk Score \*** |
| &nbsp;&nbsp;No Secondary Product | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;AVM | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;BPO | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;LCA and/or CU Score <=2.5 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;52 |
| &nbsp;&nbsp;Desk Review | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;73 |
| &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;3 |

---

MSRM 2025-NQM6 Due Diligence Narrative Report – PagE \| 14

![](ex993001.jpg)

**DUE DILIGENCE GRADING CRITERIA** 

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

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

**Final Event Grade** 

---

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

---

**Credit Event Grade**

---

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

---

**Valuation Event Grade**

---

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

---

MSRM 2025-NQM6 Due Diligence Narrative Report – PagE \| 15

![](ex993001.jpg)

**Compliance Event Grade** 

---

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

---

**CLARIFII DUE DILIGENCE RESULTS**

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

**Final Overall Loan Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Overall Review Results** | &nbsp;&nbsp;**Overall Review Results** | &nbsp;&nbsp;**Overall Review Results** |
| &nbsp;&nbsp;**Overall Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;110 | &nbsp;&nbsp;82.71% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;23 | &nbsp;&nbsp;17.29% |
| &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;**133** | &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.

MSRM 2025-NQM6 Due Diligence Narrative Report – PagE \| 16

![](ex993001.jpg)

**Final Credit Component Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Credit Grade Summary** | &nbsp;&nbsp;**Credit Grade Summary** | &nbsp;&nbsp;**Credit Grade Summary** |
| &nbsp;&nbsp;**Credit Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;117 | &nbsp;&nbsp;87.97% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;16 | &nbsp;&nbsp;12.03% |
| &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;**133** | &nbsp;&nbsp;**100.00%** |

---

**Final Property Valuation Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Property Grade Summary** | &nbsp;&nbsp;**Property Grade Summary** | &nbsp;&nbsp;**Property Grade Summary** |
| &nbsp;&nbsp;**Property Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;132 | &nbsp;&nbsp;99.25% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.75% |
| &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;**133** | &nbsp;&nbsp;**100.00%** |

---

**Final Regulatory Compliance Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Compliance Grade Summary** | &nbsp;&nbsp;**Compliance Grade Summary** | &nbsp;&nbsp;**Compliance Grade Summary** |
| &nbsp;&nbsp;**Compliance Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;126 | &nbsp;&nbsp;94.74% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;7 | &nbsp;&nbsp;5.26% |
| &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;**133** | &nbsp;&nbsp;**100.00%** |

---

**ADDITIONAL LOAN SUMMARY DETAILS**

**Amortization Type**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;ARM | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.75% | &nbsp;&nbsp;$1500000.00 |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;132 | &nbsp;&nbsp;99.25% | &nbsp;&nbsp;$62759552.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**133** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$64259552.00** |

---

MSRM 2025-NQM6 Due Diligence Narrative Report – PagE \| 17

![](ex993001.jpg)

**Occupancy**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;28 | &nbsp;&nbsp;21.05% | &nbsp;&nbsp;$18579639.00 |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.75% | &nbsp;&nbsp;$680000.00 |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;104 | &nbsp;&nbsp;78.20% | &nbsp;&nbsp;$44999913.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**133** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$64259552.00** |

---

**Loan Purpose**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Refinance | &nbsp;&nbsp;80 | &nbsp;&nbsp;60.15% | &nbsp;&nbsp;$35440323.00 |
| &nbsp;&nbsp;Purchase | &nbsp;&nbsp;53 | &nbsp;&nbsp;39.85% | &nbsp;&nbsp;$28819229.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**133** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$64259552.00** |

---

**Lien Position**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;133 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$64259552.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**133** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$64259552.00** |

---

**Original Term**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;480 | &nbsp;&nbsp;2 | &nbsp;&nbsp;1.50% | &nbsp;&nbsp;$611800.00 |
| &nbsp;&nbsp;360 | &nbsp;&nbsp;131 | &nbsp;&nbsp;98.50% | &nbsp;&nbsp;$63647752.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**133** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$64259552.00** |

---

**DATA COMPARE RESULTS**

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

MSRM 2025-NQM6 Due Diligence Narrative Report – PagE \| 18

![](ex993001.jpg)

**Summary of Data Compare Results**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Data Comparison Fields** | &nbsp;&nbsp;**Loans With <br> Discrepancy** | &nbsp;&nbsp;**Total Times <br> Compared** | &nbsp;&nbsp;**Accuracy <br> %** |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;23 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Application Date | &nbsp;&nbsp;2 | &nbsp;&nbsp;17 | &nbsp;&nbsp;88.24% |
| &nbsp;&nbsp;ARM Initial Fixed Rate Period | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Balloon Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;17 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Bankruptcy in past 7 years? | &nbsp;&nbsp;0 | &nbsp;&nbsp;15 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Birthdate | &nbsp;&nbsp;0 | &nbsp;&nbsp;17 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Credit Report Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;15 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Email or Internet | &nbsp;&nbsp;0 | &nbsp;&nbsp;17 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;57 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 FTHB | &nbsp;&nbsp;0 | &nbsp;&nbsp;17 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Last Name | &nbsp;&nbsp;3 | &nbsp;&nbsp;133 | &nbsp;&nbsp;97.74% |
| &nbsp;&nbsp;Borrower 1 Originator Citizenship Designation | &nbsp;&nbsp;0 | &nbsp;&nbsp;19 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Phone Number | &nbsp;&nbsp;0 | &nbsp;&nbsp;16 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Qualifying Income | &nbsp;&nbsp;1 | &nbsp;&nbsp;8 | &nbsp;&nbsp;87.50% |
| &nbsp;&nbsp;Borrower 1 SSN | &nbsp;&nbsp;0 | &nbsp;&nbsp;28 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Calculated DSCR | &nbsp;&nbsp;20 | &nbsp;&nbsp;89 | &nbsp;&nbsp;77.53% |
| &nbsp;&nbsp;Cash Disbursement Date | &nbsp;&nbsp;7 | &nbsp;&nbsp;39 | &nbsp;&nbsp;82.05% |
| &nbsp;&nbsp;Cash out Include Debt Paid at Close | &nbsp;&nbsp;1 | &nbsp;&nbsp;3 | &nbsp;&nbsp;66.67% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;43 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;HOA Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;17 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Initial Monthly P&I Or IO Payment | &nbsp;&nbsp;0 | &nbsp;&nbsp;39 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Only Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;109 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Only Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Rate | &nbsp;&nbsp;2 | &nbsp;&nbsp;133 | &nbsp;&nbsp;98.50% |
| &nbsp;&nbsp;Investor Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;133 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Lender Name | &nbsp;&nbsp;5 | &nbsp;&nbsp;88 | &nbsp;&nbsp;94.32% |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;29 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Amount | &nbsp;&nbsp;4 | &nbsp;&nbsp;116 | &nbsp;&nbsp;96.55% |
| &nbsp;&nbsp;Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;132 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Program | &nbsp;&nbsp;0 | &nbsp;&nbsp;110 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;45 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;43 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;MIN No | &nbsp;&nbsp;0 | &nbsp;&nbsp;32 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;12 | &nbsp;&nbsp;36 | &nbsp;&nbsp;66.67% |
| &nbsp;&nbsp;Note Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Number of Units | &nbsp;&nbsp;1 | &nbsp;&nbsp;45 | &nbsp;&nbsp;97.78% |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;0 | &nbsp;&nbsp;133 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Origination Foreclosure Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;15 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Originator Doc Type | &nbsp;&nbsp;2 | &nbsp;&nbsp;93 | &nbsp;&nbsp;97.85% |
| &nbsp;&nbsp;Originator QM Status | &nbsp;&nbsp;2 | &nbsp;&nbsp;14 | &nbsp;&nbsp;85.71% |
| &nbsp;&nbsp;Payment Frequency | &nbsp;&nbsp;0 | &nbsp;&nbsp;15 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Prepayment Penalty Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;18 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Prepayment Penalty Total Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;38 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Primary Appraised Property Value | &nbsp;&nbsp;1 | &nbsp;&nbsp;45 | &nbsp;&nbsp;97.78% |
| &nbsp;&nbsp;Property Address | &nbsp;&nbsp;0 | &nbsp;&nbsp;133 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;2 | &nbsp;&nbsp;133 | &nbsp;&nbsp;98.50% |
| &nbsp;&nbsp;Property County | &nbsp;&nbsp;0 | &nbsp;&nbsp;32 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property State | &nbsp;&nbsp;0 | &nbsp;&nbsp;42 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;16 | &nbsp;&nbsp;133 | &nbsp;&nbsp;87.97% |
| &nbsp;&nbsp;Property Value | &nbsp;&nbsp;1 | &nbsp;&nbsp;12 | &nbsp;&nbsp;91.67% |
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;0 | &nbsp;&nbsp;133 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying Amortization Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;1 | &nbsp;&nbsp;44 | &nbsp;&nbsp;97.73% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;1 | &nbsp;&nbsp;124 | &nbsp;&nbsp;99.19% |
| &nbsp;&nbsp;Qualifying Housing Debt Income Ratio | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;5 | &nbsp;&nbsp;129 | &nbsp;&nbsp;96.12% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;27 | &nbsp;&nbsp;72 | &nbsp;&nbsp;62.50% |
| &nbsp;&nbsp;Qualifying Total Housing Expense PITIA | &nbsp;&nbsp;4 | &nbsp;&nbsp;7 | &nbsp;&nbsp;42.86% |
| &nbsp;&nbsp;Qualifying Total Reserves Number of Months | &nbsp;&nbsp;5 | &nbsp;&nbsp;21 | &nbsp;&nbsp;76.19% |
| &nbsp;&nbsp;Refinance Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;52 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;0 | &nbsp;&nbsp;20 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Seller Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;112 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Short Term Rent Source | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Term | &nbsp;&nbsp;3 | &nbsp;&nbsp;109 | &nbsp;&nbsp;97.25% |
| &nbsp;&nbsp;Total Qualified Assets Available For Reserves | &nbsp;&nbsp;2 | &nbsp;&nbsp;9 | &nbsp;&nbsp;77.78% |
| &nbsp;&nbsp;Total Qualifying Income | &nbsp;&nbsp;1 | &nbsp;&nbsp;8 | &nbsp;&nbsp;87.50% |
| &nbsp;&nbsp;ULI | &nbsp;&nbsp;0 | &nbsp;&nbsp;17 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Verified Doc Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |

---

MSRM 2025-NQM6 Due Diligence Narrative Report – PagE \| 19

![](ex993001.jpg)

**CLARIFII THIRD PARTY REPORTS DELIVERED**

Clarifii furnished the following reports on this transaction:

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

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

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

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

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

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

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

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

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

**Disclaimer**

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

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

MSRM 2025-NQM6 Due Diligence Narrative Report – PagE \| 20

![](ex993001.jpg)

*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.

MSRM 2025-NQM6 Due Diligence Narrative Report – PagE \| 21

## Exhibit 99.3

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

**Exhibit 99.3 – Schedule 1**

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| **Loan ID** | **Seller Loan ID** | **Redaction ID** | **Queue** | **Finding Code** | **Date Created** | **Date Modified** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Finding Comments** | **Seller Comments** | **Resolution Comments** | **Reviewer Comp Factor** | **Originator Comp Factors** | **Finding Documents** | **Originator QM Status** | **Final Reviewed QM Status** | **Loan Amount** | **Property State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Acknowledged / WaivedBy** | **Waiver in File?** | **Unique Finding ID** |
| XXXX | XXXX | 8058958 C B A | Closed | FVAL9739 | 2024-04-11 12:24 | 2024-12-14 15:44 | Waived | 2 - Non-Material B | Property | Appraisal | Property/Appraisal General | Waived-24 chain of title was provided. Although appraisal contains wrong prior transfer date, this is deemed non material. Originator waiver applied to non material finding - Due Diligence Vendor-05/31/2024 <br> Counter-Property detail reports reflects the borrower purchased the subject on XXXX and the Appraisal reflect last transfer was on XXXX and has not changed hands in the last three years. Please provide a corrected appraisal. - Due Diligence Vendor-04/16/2024 <br> Ready for Review-XXXX Please see the attached 24 month chain of title. Please clear the condition. See the chain of ttile and please clear the condition. - Seller-04/15/2024 <br> Open-Property was purchased XXXX by the Borrower. Appraisal subject transfer history needs updated to reflect the sale. - Due Diligence Vendor-04/11/2024 | Ready for Review-XXXX Please see the attached 24 month chain of title. Please clear the condition. See the chain of ttile and please clear the condition. - Seller-04/15/2024 | Waived-24 chain of title was provided. Although appraisal contains wrong prior transfer date, this is deemed non material. Originator waiver applied to non material finding - Due Diligence Vendor-05/31/2024<br>| On time mortgage history exceeds guideline requirement - 44 months timely history on primary home<br>LTV is less than guideline maximum - Max 80%- current 76.92%<br>DSCR =/> 1.00 and minimum is 0.85 or Less - 1.01 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 1571684 |
| XXXX | XXXX | 8058958 C B A | Closed | FCRE8201 | 2024-04-11 13:48 | 2024-08-09 16:22 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Received exception approval for . Finding is deemed non material. Originator waiver applied to non material findings. - Due Diligence Vendor-04/15/2024 <br> Ready for Review-Document Uploaded. Please see the attached Credit Exception for minimum equity is only XXXX. Please clear the condition. - Seller-04/12/2024 <br> Open-Provide approved exception for minimum equity is only XXXX. Exception provided in file was not approved. - Due Diligence Vendor-04/11/2024 | Ready for Review-Document Uploaded. Please see the attached Credit Exception for minimum equity is only XXXX. Please clear the condition. - Seller-04/12/2024 | Waived-Received exception approval for Equity. Finding is deemed non material. Originator waiver applied to non material findings. - Due Diligence Vendor-04/15/2024<br>| On time mortgage history exceeds guideline requirement - 44 months timely history on primary home<br>LTV is less than guideline maximum - Max 80%- current 76.92%<br>DSCR =/> 1.00 and minimum is 0.85 or Less - 1.01 | 95.53 months reserves > 6 months minimum required<br> 0x30x36 mortgage history. | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 1572194 |
| XXXX | XXXX | 8058958 C B A | Closed | FCRE1151 | 2024-04-11 11:45 | 2024-04-15 12:01 | Resolved | 1 - Information C A | Credit | Title | Satisfactory Chain of Title not Provided | Resolved-Satisfactory Chain of Title has been provided - Due Diligence Vendor-04/15/2024 <br>Ready for Review-Document Uploaded. Please see the attached 24 month chain of title. Please clear the condition. - Seller-04/12/2024 <br>Open-Unsatisfactory Chain of Title provided. Provide Chain of Title for 24 months. Property report provided only shows last transfer to borrower. - Due Diligence Vendor-04/11/2024 | Ready for Review-Document Uploaded. Please see the attached 24 month chain of title. Please clear the condition. - Seller-04/12/2024<br>| Resolved-Satisfactory Chain of Title has been provided - Due Diligence Vendor-04/15/2024<br>| On time mortgage history exceeds guideline requirement - 44 months timely history on primary home<br>LTV is less than guideline maximum - Max 80%- current 76.92%<br>DSCR =/> 1.00 and minimum is 0.85 or Less - 1.01 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 1571391 |
| XXXX | XXXX | 8442244 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 9036250 D A | Closed | FCRE7497 | 2025-01-08 08:21 | 2025-01-13 17:14 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received PITI - Due Diligence Vendor-01/13/2025 <br> Ready for Review-Document Uploaded. property was just purch in august of XXXX with XXXX as lender. attached. docs. - Seller-01/09/2025 <br> Open-Missing verification of the PITI payment on property 3d on the 1003. - Due Diligence Vendor-01/08/2025 | Ready for Review-Document Uploaded. property was just purch in august of XXXX with XXXX as lender. attached. docs. - Seller-01/09/2025 | Resolved-Received PITI - Due Diligence Vendor-01/13/2025<br>| Qualifying DTI below maximum allowed - 29.44% DTI with 50% max<br>Qualifying FICO score is at least 20 points above minimum for program - 766 FICO with 620 min<br>Months Reserves exceed minimum required - 262.75 months reserves with 3 months min |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3161315 |
| XXXX | XXXX | 9067362 D B A | Closed | FCRE7347 | 2025-04-01 16:59 | 2025-05-27 12:04 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Missing Lease Agreement | Waived-Originator exception granted, waiver applied with comp factors - Due Diligence Vendor-05/27/2025 <br> Open-Lease agreement in the file expires in XXXX and must be valid for 6 months to use actual rents. - Due Diligence Vendor-04/01/2025 |  | Waived-Originator exception granted, waiver applied with comp factors - Due Diligence Vendor-05/27/2025<br>| Months Reserves exceed minimum required - Required 6 mos reserves client has over 11 mos reserves<br>Qualifying FICO score is at least 20 points above minimum for program - min 700 client qualified with an 814 credit score | Months Reserves exceed minimum required - Required 6 mos reserves client has over 11 mos reserves<br> Qualifying FICO score is at least 20 points above minimum for program - min 700 client qualified with an 814 credit score | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | Yes | 3746281 |
| XXXX | XXXX | 9067362 D B A | Closed | FCRE0068 | 2025-02-13 14:33 | 2025-02-21 14:47 | Waived | 2 - Non-Material C B | Credit | Closing | Remaining Equity is less than $40,000 which does not meet guideline requirement | Waived-Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-05/27/2025 <br> Ready for Review-Document Uploaded. Credit exception for the minimum equity not being met has been uploaded, please clear condition. - Seller-02/19/2025 <br> Open-Remaining equity is less than XXXX which does not meet guideline requirement. Verified no exception request in file for equity XXXX - Due Diligence Vendor-02/13/2025 | Ready for Review-Document Uploaded. Credit exception for the minimum equity not being met has been uploaded, please clear condition. - Seller-02/19/2025<br>| Waived-Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-05/27/2025<br>| Months Reserves exceed minimum required - Required 6 mos reserves client has over 11 mos reserves<br>Qualifying FICO score is at least 20 points above minimum for program - min 700 client qualified with an 814 credit score | -Required 6 mos reserves client has over 11 mos reserves.<br> - min 700 client qualified with an 814 credit score | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | Yes | 3419157 |
| XXXX | XXXX | 9064736 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 9101452 D A | Closed | FCRE7497 | 2025-03-13 11:43 | 2025-03-20 15:38 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received property tax calculation worksheet. - Due Diligence Vendor-03/20/2025 <br> Ready for Review-Document Uploaded. please find the 1008 for review. - Seller-03/18/2025 <br> Counter-Please provide worksheet or 1008 reflecting the lower property taxes considered. - Due Diligence Vendor-03/17/2025 <br> Ready for Review-property tax = / 12 mos. = XXXX mo. used smartasset to calculate, please clear findings. - Seller-03/14/2025 <br> Open-Provide the Taxes to support the CD and Initial Escrow statment. Tax Bill that was provided was higher and Auditor used the CD payment for Taxes. - Due Diligence Vendor-03/13/2025 | Ready for Review-Document Uploaded. please find the 1008 for review. - Seller-03/18/2025 <br> Ready for Review-property tax = XXXX mo. used smartasset to calculate, please clear findings. - Seller-03/14/2025 | Resolved-Received property tax calculation worksheet. - Due Diligence Vendor-03/20/2025<br>| LTV is less than guideline maximum - LTV 75% is lower than maximum 80%<br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 783 is higher than the required 680 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3603586 |
| XXXX | XXXX | 9101452 D A | Closed | FPRO1255 | 2025-03-13 11:55 | 2025-03-17 16:13 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | HOA Questionnaire Document is Missing | Resolved-Received Condo Questionnaire. - Due Diligence Vendor-03/17/2025 <br>Ready for Review-Document Uploaded. Please find the HOA Questionnaire. - Seller-03/14/2025 <br>Open-Subject Property is part of an HOA but the HOA Questionnaire Document is Missing. Provide the required OA Questionnaire Document - Due Diligence Vendor-03/13/2025 | Ready for Review-Document Uploaded. Please find the HOA Questionnaire. - Seller-03/14/2025<br>| Resolved-Received Condo Questionnaire. - Due Diligence Vendor-03/17/2025<br>| LTV is less than guideline maximum - LTV 75% is lower than maximum 80%<br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 783 is higher than the required 680 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3603768 |
| XXXX | XXXX | 9081723 D B A | Closed | FCRE1198 | 2025-03-13 21:11 | 2025-04-01 17:45 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received all required asset documentation. Audited Reserves of XXXX month(s) are greater than or equal to Guideline Required Reserves of 3 month(s) - Due Diligence Vendor-03/28/2025 <br> Ready for Review-Document Uploaded. Supporting docs - Seller-03/27/2025 <br> Counter-Letter from Title company stating they are holding XXXX of XXXX / his entities for over a year provided. Please provide a list of the borrower entities and documentation to support ownership %. - Due Diligence Vendor-03/19/2025 <br> Ready for Review-Document Uploaded. Supporting Doc Uploaded - Buyer-03/17/2025 <br> Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 3 month(s) Missing evidence of sufficient assets to meet minimum reserve requirements. - Due Diligence Vendor-03/14/2025 | Ready for Review-Document Uploaded. Supporting docs - Seller-03/27/2025<br>| Resolved-Received all required asset documentation. Audited Reserves of 209.94 month(s) are greater than or equal to Guideline Required Reserves of 3 month(s) - Due Diligence Vendor-03/28/2025<br>| LTV is less than guideline maximum - 75% LTV; max 80% LTV<br>Qualifying FICO score is at least 20 points above minimum for program - FICO: 728 Min 700 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 3609187 |
| XXXX | XXXX | 9081723 D B A | Closed | FCRE0070 | 2025-03-13 21:11 | 2025-04-01 17:45 | Resolved | 1 - Information D A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided (3) | Resolved-Received 1008 - Due Diligence Vendor-03/28/2025 <br>Ready for Review-Document Uploaded. Supporting Doc Uploaded - Buyer-03/17/2025 <br>Open-Missing Approval/Underwriting Summary Missing Underwriting Transmittal Summary form 1008 - Due Diligence Vendor-03/14/2025 |  | Resolved-Received 1008 - Due Diligence Vendor-03/28/2025<br>| LTV is less than guideline maximum - 75% LTV; max 80% LTV<br>Qualifying FICO score is at least 20 points above minimum for program - FICO: 728 Min 700 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 3609188 |
| XXXX | XXXX | 9081723 D B A | Closed | FCRE9501 | 2025-03-13 21:08 | 2025-03-28 13:13 | Resolved | 1 - Information C A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved-Received all required asset documentation. - Due Diligence Vendor-03/28/2025 <br> Ready for Review-Document Uploaded. Supporting docs - Buyer-03/27/2025 <br> Counter-Letter from Title company stating they are holding XXXX dollars of XXXX / his entities for over a year provided. Please provide a list of the borrower entities and documentation to support ownership %. - Due Diligence Vendor-03/19/2025 <br> Ready for Review-Document Uploaded. Supporting Doc Uploaded - Seller-03/17/2025 <br> Open-Total Qualified Assets Post-Close amount is XXXX'. Assets are Insufficient. Missing evidence of sufficient assets to meet minimum closing cost requirements - Due Diligence Vendor-03/14/2025 | Ready for Review-Document Uploaded. Supporting Doc Uploaded - Seller-03/17/2025<br>| Resolved-Received all required asset documentation. - Due Diligence Vendor-03/28/2025<br>| LTV is less than guideline maximum - 75% LTV; max 80% LTV<br>Qualifying FICO score is at least 20 points above minimum for program - FICO: 728 Min 700 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 3609185 |
| XXXX | XXXX | 9081723 D B A | Closed | FCRE8201 | 2025-03-14 11:05 | 2025-03-19 13:09 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Client provided a waiver allow more than 6 loans or XXXX aggregate, applied to non material finding with comp factors and reviewed comp factors. 75% LTV < 80%. 728 FICO > 700 minimum required - Due Diligence Vendor-03/19/2025 <br> Ready for Review-Document Uploaded. Exception approval. Meets XXXX guides - Seller-03/18/2025 <br> Open-Loan does not conform to program guidelines due to - Exception request to allow more than 6 loans or XXXX aggregate. <br> Eresi exception approval not provided - Due Diligence Vendor-03/14/2025 | Ready for Review-Document Uploaded. Exception approval. Meets eRESI guides - Seller-03/18/2025<br>| Waived-Client provided a waiver allow more than 6 loans or $3.5 aggregate, applied to non material finding with comp factors and reviewed comp factors. 75% LTV < 80%. 728 FICO > 700 minimum required - Due Diligence Vendor-03/19/2025<br>| LTV is less than guideline maximum - 75% LTV; max 80% LTV<br>Qualifying FICO score is at least 20 points above minimum for program - FICO: 728 Min 700 | 6 months reserves greater than the program requirement | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | 3613497 |
| XXXX | XXXX | 9101403 D A | Closed | FCRE1157 | 2025-03-17 13:49 | 2025-03-20 15:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Received acceptable HOI. - Due Diligence Vendor-03/20/2025 <br>Ready for Review-Document Uploaded. please find the haz ins for review. - Seller-03/19/2025 <br>Open-Missing Hazard Insurance Policy No Hazard Insurance was provided. - Due Diligence Vendor-03/17/2025 | Ready for Review-Document Uploaded. please find the haz ins for review. - Seller-03/19/2025<br>| Resolved-Received acceptable HOI. - Due Diligence Vendor-03/20/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 766 is higher than the required 720<br>Months Reserves exceed minimum required - 9.18 months reserves exceed required 6 by 3.18 months. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3628084 |
| XXXX | XXXX | 9101375 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | XXXX | 9081724 C B A | Closed | FCRE8201 | 2025-03-19 09:29 | 2025-04-18 13:23 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Client exception granted 6 loans or XXXX aggregate to one borrower waiver applied with compactors - Due Diligence Vendor-04/18/2025 <br> Ready for Review-Document Uploaded. Supporting docs - Buyer-03/20/2025 <br> Open-lenders exposure > 6 loans or XXXX Aggregate. Exception in the file. Missing Approval email. - Due Diligence Vendor-03/19/2025 |  | Waived-Client exception granted 6 loans or XXXX aggregate to one borrower waiver applied with compactors - Due Diligence Vendor-04/18/2025 | LTV is less than guideline maximum - LTV: 75 Max 80<br>Qualifying FICO score is at least 20 points above minimum for program - FICO: 728 Min 700 | Fico: 728>700; LTV 75%<80% max | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | 3645396 |
| XXXX | XXXX | 9081724 C B A | Closed | FCRE1491 | 2025-03-18 14:54 | 2025-03-28 12:57 | Resolved | 1 - Information C A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Received documentation to support the borrower is 100% owner of the property sold to source the borrowers assets. - Due Diligence Vendor-03/28/2025 <br> Ready for Review-Document Uploaded. XXXX is owner of XXXX - Buyer-03/27/2025 <br> Open-Asset Qualification Does Not Meet Guideline Requirements Lender provided an letter from a title agency stating they have funds in escrow; however, documents provided do not meet lender requirements. - Due Diligence Vendor-03/18/2025 |  | Resolved-Received documentation to support the borrower is 100% owner of the property sold to source the borrowers assets. - Due Diligence Vendor-03/28/2025<br>| LTV is less than guideline maximum - LTV: 75 Max 80<br>Qualifying FICO score is at least 20 points above minimum for program - FICO: 728 Min 700 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 3639772 |
| XXXX | XXXX | 9081738 D A | Closed | FCRE7497 | 2025-03-24 10:48 | 2025-05-07 09:52 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-The fraud report confirms XXXX are owned by the borrower's business. Operating agreement provided for XXXX. - Due Diligence Vendor-05/07/2025 <br> Ready for Review-Document Uploaded. - Seller-05/06/2025 <br> Counter-Taxes provided. XXXX and XXXX, insurance document does not disclose the premium. Please provided documentation to support free/clear for XXXX - Due Diligence Vendor-04/28/2025 <br> Ready for Review-Document Uploaded. - Seller-04/24/2025 <br> Counter-We are missing Evidence Free/Clear tax and Insurance for XXXX. Missing taxes for XXXX. XXXX and XXXX 1003 states loan in process. - Due Diligence Vendor-03/31/2025 <br> Ready for Review-We have no record or loans in process pertaining to any of the loan listed below. - Seller-03/28/2025 <br> Open-for REO's XXXX and XXXX- missing note and CD loan in process. - Due Diligence Vendor-03/24/2025 | Ready for Review-Document Uploaded. - Seller-05/06/2025 <br>Ready for Review-Document Uploaded. - Seller-04/24/2025 <br>Ready for Review-We have no record or loans in process pertaining to any of the loan listed below. - Seller-03/28/2025<br>| Resolved-The fraud report confirms XXXX are owned by the borrower's business. Operating agreement provided for XXXX. - Due Diligence Vendor-05/07/2025 | Months Reserves exceed minimum required - 7.58 months PITIA reserves; 3 months reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 725 ; minimum score 700. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3679197 |
| XXXX | XXXX | 9081710 D A | Closed | FCRE7009 | 2025-04-03 09:41 | 2025-05-14 16:27 | Resolved | 1 - Information C A | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved-Received confirmation of 100% replacement cost coverage. - Due Diligence Vendor-05/14/2025 <br>Ready for Review-Document Uploaded. - Seller-05/12/2025 <br>Open-Insufficient Coverage Amount for Insured Subject Property. Cover does not support coverage for the loan amount or 80% of the cost to rebuild on appraisal. Per appraisal the total of the dwelling, outdoor amenities, and garage = a higher amount, Lender only used the rebuild of the dwelling. - Due Diligence Vendor-04/04/2025 | Ready for Review-Document Uploaded. - Seller-05/12/2025<br>| Resolved-Received confirmation of 100% replacement cost coverage. - Due Diligence Vendor-05/14/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 725; minimum score 700.<br>Months Reserves exceed minimum required - 4.17 months PITIA reserves; 3 months reserves required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3771721 |
| XXXX | XXXX | 9081710 D A | Closed | FCRE1440 | 2025-04-03 11:37 | 2025-05-07 10:05 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Housing histories provided. - Due Diligence Vendor-05/07/2025 <br> Ready for Review-Document Uploaded. - Seller-05/06/2025 <br> Open-Housing History Does Not Meet Guideline Requirements- Missing mortgage Pay history for Primary residence. and REO's XXXX not reported on credit report requires VOMS and mortgage pay histories. - Due Diligence Vendor-04/03/2025 | Ready for Review-Document Uploaded. - Seller-05/06/2025<br>| Resolved-Housing histories provided. - Due Diligence Vendor-05/07/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 725; minimum score 700.<br>Months Reserves exceed minimum required - 4.17 months PITIA reserves; 3 months reserves required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3773783 |
| XXXX | XXXX | 9081710 D A | Closed | FCRE7000 | 2025-04-10 12:34 | 2025-05-07 10:05 | Resolved | 1 - Information D A | Credit | Missing Doc | Required forms/disclosures missing | Resolved-The fraud report confirms XXXX are owned by the borrower's business. Operating agreement provided for XXXX. - Due Diligence Vendor-05/07/2025 <br> Ready for Review-Document Uploaded. - Seller-05/05/2025 <br> Open-Missing copy of NOTE for REO's XXXX missing proof of taxes and insurance and HOA for REO's XXXX missing NOTE and CD, XXXX missing copy of NOTE and CD, XXXX missing copy of NOTE, taxes ; insurance pay history or if free & clear need evidence, 3DD missing copy of NOTE, CD and Insurance. - Due Diligence Vendor-04/10/2025 | Ready for Review-Document Uploaded. - Seller-05/05/2025<br>| Resolved-The fraud report confirms XXXX are owned by the borrower's business. Operating agreement provided for XXXX. - Due Diligence Vendor-05/07/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 725; minimum score 700.<br>Months Reserves exceed minimum required - 4.17 months PITIA reserves; 3 months reserves required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3829359 |
| XXXX | XXXX | 9081710 D A | Closed | FCRE1298 | 2025-04-04 15:42 | 2025-05-07 10:04 | Resolved | 1 - Information C A | Credit | Income/Employment | Income 7 Months Income Verified is Missing | Resolved-see missing taxes/insurance for REO breach. - Due Diligence Vendor-05/07/2025 <br>Ready for Review-Document Uploaded. - Seller-05/05/2025 <br>Open-Income 7 Months Income Verified is Missing missigng copy of NOTE , CD . Under business name Heyder investments - Due Diligence Vendor-04/04/2025 | Ready for Review-Document Uploaded. - Seller-05/05/2025<br>| Resolved-see missing taxes/insurance for REO breach. - Due Diligence Vendor-05/07/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 725; minimum score 700.<br>Months Reserves exceed minimum required - 4.17 months PITIA reserves; 3 months reserves required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3788497 |
| XXXX | XXXX | 9081710 D A | Closed | FCRE1302 | 2025-04-04 15:42 | 2025-05-07 10:04 | Resolved | 1 - Information C A | Credit | Income/Employment | Income 11 Months Income Verified is Missing | Resolved-see missing taxes/insurance for REO breach. - Due Diligence Vendor-05/07/2025 <br>Ready for Review-Document Uploaded. - Seller-05/05/2025 <br>Open-Income 11 Months Income Verified is Missing missing tax and insurance if free & clear<br> - Due Diligence Vendor-04/04/2025 | Ready for Review-Document Uploaded. - Seller-05/05/2025<br>| Resolved-see missing taxes/insurance for REO breach. - Due Diligence Vendor-05/07/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 725; minimum score 700.<br>Months Reserves exceed minimum required - 4.17 months PITIA reserves; 3 months reserves required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3788496 |
| XXXX | XXXX | 9081710 D A | Closed | FCRE4963 | 2025-04-03 11:44 | 2025-05-07 10:03 | Resolved | 1 - Information C A | Credit | Debt | No evidence of required debt payoff | Resolved-payoff provided. - Due Diligence Vendor-05/07/2025 <br>Ready for Review-Document Uploaded. - Seller-05/05/2025 <br>Open-missing Payoff for subject property. - Due Diligence Vendor-04/03/2025 | Ready for Review-Document Uploaded. - Seller-05/05/2025<br>| Resolved-payoff provided. - Due Diligence Vendor-05/07/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 725; minimum score 700.<br>Months Reserves exceed minimum required - 4.17 months PITIA reserves; 3 months reserves required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3773875 |
| XXXX | XXXX | 9081710 D A | Closed | FCRE7497 | 2025-04-03 11:43 | 2025-05-07 10:02 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-The fraud report confirms XXXX are owned by the borrower's business. Operating agreement provided for XXXX. - Due Diligence Vendor-05/07/2025 <br> Ready for Review-Document Uploaded. - Seller-05/06/2025 <br> Open-missing proof of taxes and insurance and HOA for REO's XXXX missing NOTE and CD, XXXX missing copy of NOTE and CD, XXXX missing copy of NOTE, taxes ; insurance pay history or if free & clear need evidence, XXXX missing copy of NOTE, CD and Insurance. - Due Diligence Vendor-04/03/2025 | Ready for Review-Document Uploaded. - Seller-05/06/2025<br>| Resolved-The fraud report confirms XXXX are owned by the borrower's business. Operating agreement provided for XXXX. - Due Diligence Vendor-05/07/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 725; minimum score 700.<br>Months Reserves exceed minimum required - 4.17 months PITIA reserves; 3 months reserves required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3773870 |
| XXXX | XXXX | 9091820 D B A | Closed | FCRE4104 | 2025-03-26 13:40 | 2025-03-27 10:14 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Missing explanation and supporting documentation for large deposit(s) | Waived-Client exception granted in file, waiver applied with comp factors. - Due Diligence Vendor-03/27/2025 <br> Open-Bwr received a large deposit of XXXX. This was received for work that was completed; invoice has been provided - Due Diligence Vendor-03/26/2025 |  | Waived-Client exception granted in file, waiver applied with comp factors. - Due Diligence Vendor-03/27/2025<br>| Months Reserves exceed minimum required - 30 months PITIA reserves; 3 months reserves required.<br>Credit history exceeds minimum required - 0 Lates since 1/2021 | Reserves 24 months above the minimum / Credit History: 0 lates since 1/2021 |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Investor Post-Close | No | 3701166 |
| XXXX | XXXX | 9081748 C A | Closed | FCRE1440 | 2025-03-28 12:38 | 2025-04-14 17:10 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received Rent Free Letter. - Due Diligence Vendor-04/14/2025 <br>Ready for Review-Document Uploaded. - Seller-04/11/2025 <br>Open-Housing History Does Not Meet Guideline Requirements Requirements Missing a rent-free letter of explanation from the homeowner required by guidelines. the LOX provided was from borrower only. - Due Diligence Vendor-03/28/2025 | Ready for Review-Document Uploaded. - Seller-04/11/2025<br>| Resolved-Received Rent Free Letter. - Due Diligence Vendor-04/14/2025<br>| On time mortgage history exceeds guideline requirement - On time mortgage history for subject.<br>Months Reserves exceed minimum required - 24.61 months PITIA reserves; 3 months reserves required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3720707 |
| XXXX | XXXX | 9081748 C A | Closed | FCRE3333 | 2025-03-28 12:30 | 2025-04-01 16:02 | Resolved | 1 - Information C A | Credit | Eligibility | Subject property was listed for sale within a time period not allowed by guidelines | Resolved-Received documentation to support the subjects listing was withdrawn prior to the Note date. - Due Diligence Vendor-04/01/2025 <br> Ready for Review-Document Uploaded. - Seller-03/31/2025 <br> Open-Subject property was listed for sale within a time period not allowed per guidelines Appraisal notes subject was listed for sale on XXXX (more than appraised value). Missing evidence that listing is cancelled prior to note date as required by guidelines - Due Diligence Vendor-03/28/2025 | Ready for Review-Document Uploaded. - Seller-03/31/2025<br>| Resolved-Received documentation to support the subjects listing was withdrawn prior to the Note date. - Due Diligence Vendor-04/01/2025<br>| On time mortgage history exceeds guideline requirement - On time mortgage history for subject.<br>Months Reserves exceed minimum required - 24.61 months PITIA reserves; 3 months reserves required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3720636 |
| XXXX | XXXX | 9111448 C B A | Closed | FCRE0969 | 2025-04-09 15:15 | 2025-05-07 14:12 | Waived | 2 - Non-Material C B | Credit | Closing | Prepayment Penalty Issue | Waived-Document Uploaded. Client waiver applied to non-material finding with compensating factors. The Note contains the 'Governing Law' paragraph. - Due Diligence Vendor-05/07/2025 <br> Counter-Prepayment Rider to Note does not meet state specific requirements as noted in guidelines Exhibit A Investor Prepayment Penalty Reference Guide pg 91 - Due Diligence Vendor-04/14/2025 <br> Ready for Review-Document Uploaded. there shouldnt be any payment terms in a security instrument and thereby there is nothing to reference. all the payment terms and references would be in the Promissory Note - Buyer-04/11/2025 <br> Open-The loan agreement (i.e. Note, Note Addendum or prepayment penalty rider) did not contain the following language prepayment penalty language as required for the state of OR: The disclaimer must be in at least 10-point font and either bold or underlined (see example below) NOTICE TO THE BORROWER: Do not sign this loan agreement before you read it. This loan agreement provides for the payment of a penalty if you wish to repay the loan prior to the date provided for repayment in the loan agreement. - Due Diligence Vendor-04/09/2025 |  | Waived-Document Uploaded. Client waiver applied to non-material finding with compensating factors. The Note contains the 'Governing Law' paragraph. - Due Diligence Vendor-05/07/2025 | Months Reserves exceed minimum required - 102 months reserves; 3 months reserves required.<br>LTV is less than guideline maximum - LTV 36% LTV. Allowed 75% | 36 LTV<br> 102 months of reserves. | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | 3820983 |
| XXXX | XXXX | 9111432 D A | Closed | FCRE0070 | 2025-04-09 16:48 | 2025-05-02 15:00 | Resolved | 1 - Information D A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided (3) | Resolved-Approval provided. - Due Diligence Vendor-04/14/2025 <br>Ready for Review-Document Uploaded. supporting docs - Seller-04/11/2025 <br>Open-Missing Approval/Underwriting Summary Missing Underwriting Transmittal Summary form 1008 - Due Diligence Vendor-04/09/2025 | Ready for Review-Document Uploaded. supporting docs - Seller-04/11/2025<br>| Resolved-Approval provided. - Due Diligence Vendor-04/14/2025<br>| Months Reserves exceed minimum required - Reserves: 20 Min 6<br>Qualifying FICO score is at least 20 points above minimum for program - FICO: 751 Min 720 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3822284 |
| XXXX | XXXX | 9111432 D A | Closed | FCRE1440 | 2025-04-09 16:30 | 2025-05-02 14:59 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received statements. - Due Diligence Vendor-04/30/2025 <br> Ready for Review-Document Uploaded. Please see XXXX and XXXX statement as per your request, thank you. - Seller-04/29/2025 <br> Counter-Received Statement and LOE for the primary residence. Please provide the XXXX and XXXX payment for the primary residence. - Due Diligence Vendor-04/28/2025 <br> Ready for Review-Document Uploaded. Please see mortgage statement as well as Letter of Explanation. Thank you.<br> - Seller-04/24/2025 <br> Counter-Please provide the payment history for the Primary Residence. - Due Diligence Vendor-04/23/2025 <br> Ready for Review-Document Uploaded. As requested, please refer to first page of Credit Report for full listing of Borrower's address. I've attached a snippet as well. Thank you.<br> - Seller-04/21/2025 <br> Counter-Revised Application provided. Please provide the payment history for the Primary Residence as required by the guidelines. - Due Diligence Vendor-04/16/2025 <br> Ready for Review-Document Uploaded. Please see attached application with the correct address of our guarantor, matching the general authorization as well as his Driver License. There was a system error with the initial application uploaded. - Seller-04/14/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Missing evidence of most recent 12 months primary housing payment history. Although loan application reflects a primary residence, the Real Estate Owned/with associated creditors is not present. - Due Diligence Vendor-04/09/2025 | Ready for Review-Document Uploaded. Please see XXXX and XXXX statement as per your request, thank you. - Seller-04/29/2025 <br> Ready for Review-Document Uploaded. Please see mortgage statement as well as Letter of Explanation. Thank you.<br> - Seller-04/24/2025 <br> Ready for Review-Document Uploaded. As requested, please refer to first page of Credit Report for full listing of Borrower's address. I've attached a snippet as well. Thank you.<br> - Seller-04/21/2025 <br> Ready for Review-Document Uploaded. Please see attached application with the correct address of our guarantor, matching the general authorization as well as his Driver License. There was a system error with the initial application uploaded. - Seller-04/14/2025 | Resolved-Received statements. - Due Diligence Vendor-04/30/2025<br>| Months Reserves exceed minimum required - Reserves: 20 Min 6<br>Qualifying FICO score is at least 20 points above minimum for program - FICO: 751 Min 720 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3822087 |
| XXXX | XXXX | 9111432 D A | Closed | FCRE1152 | 2025-04-09 16:13 | 2025-05-02 14:59 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Received property tax cert - Due Diligence Vendor-04/11/2025 <br>Ready for Review-Document Uploaded. proof of property taxes - Seller-04/10/2025 <br>Open-Missing Evidence of Property Tax Missing lender calculation worksheet used to formulate the qualifying property taxes. - Due Diligence Vendor-04/09/2025 | Ready for Review-Document Uploaded. proof of property taxes - Seller-04/10/2025<br>| Resolved-Received property tax cert - Due Diligence Vendor-04/11/2025<br>| Months Reserves exceed minimum required - Reserves: 20 Min 6<br>Qualifying FICO score is at least 20 points above minimum for program - FICO: 751 Min 720 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3821867 |
| XXXX | XXXX | 9111432 D A | Closed | FCRE0043 | 2025-04-09 16:44 | 2025-04-11 12:29 | Resolved | 1 - Information D A | Credit | Missing Doc | DSCR Calculation Missing | Resolved-Received DSCR Calc - Due Diligence Vendor-04/11/2025 <br>Ready for Review-Document Uploaded. Please see DSCR Calculation - Buyer-04/10/2025 <br>Open-The DSCR Calculation from lender is Missing. Missing lender's DSCR Calculation Worksheet or 1008 showing calculation - Due Diligence Vendor-04/09/2025 |  | Resolved-Received DSCR Calc - Due Diligence Vendor-04/11/2025<br>| Months Reserves exceed minimum required - Reserves: 20 Min 6<br>Qualifying FICO score is at least 20 points above minimum for program - FICO: 751 Min 720 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3822237 |
| XXXX | XXXX | 9111432 D A | Closed | FCRE0700 | 2025-04-09 16:28 | 2025-04-11 12:26 | Resolved | 1 - Information D A | Credit | Missing Doc | Closing Detail Statement Document is Missing | Resolved-Received final settlement statement - Due Diligence Vendor-04/11/2025 <br>Ready for Review-Document Uploaded. Final HUD - Seller-04/10/2025 <br>Open-Closing Detail Statement Document is Missing and subject property is an Investment property. Missing Final Settlement Statement and/or Closing Disclosure; document in loan file states "Estimated" - Due Diligence Vendor-04/09/2025 | Ready for Review-Document Uploaded. Final HUD - Seller-04/10/2025<br>| Resolved-Received final settlement statement - Due Diligence Vendor-04/11/2025<br>| Months Reserves exceed minimum required - Reserves: 20 Min 6<br>Qualifying FICO score is at least 20 points above minimum for program - FICO: 751 Min 720 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3822050 |
| XXXX | XXXX | 9100923 D B A | Closed | FCRE1219 | 2025-04-21 12:59 | 2025-04-22 17:05 | Resolved | 1 - Information C A | Credit | Borrower | Borrower signed as a Type of Party Not Allowed by the Loan Program | Resolved-Resolution provided confirming the borrower is 100% owner of XXXX - Due Diligence Vendor-04/22/2025 <br> Ready for Review-Document Uploaded. XXXX REI Resolution - Buyer-04/22/2025 <br> Open-Ineligible borrower, LLC's whose members are other LLC's are not eligible per guidelines. The Borrower is XXXX and the member is XXXX. - Due Diligence Vendor-04/21/2025 |  | Resolved-Resolution provided confirming the borrower is 100% owner of XXXX - Due Diligence Vendor-04/22/2025 | Months Reserves exceed minimum required - Months reserves required is 3; qualifying reserves is 141 months.<br>LTV is less than guideline maximum - Max LTV is 80%; qualifying LTV is 73.19%. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 3916235 |
| XXXX | XXXX | 9100923 D B A | Closed | FCRE0043 | 2025-04-10 17:49 | 2025-04-15 12:59 | Resolved | 1 - Information D A | Credit | Missing Doc | DSCR Calculation Missing | Resolved-DSCR calculation received. - Due Diligence Vendor-04/15/2025 <br>Ready for Review-Document Uploaded. 1008 w DSCR score - Buyer-04/14/2025 <br>Open-The DSCR Calculation from lender is Missing. - Due Diligence Vendor-04/10/2025 |  | Resolved-DSCR calculation received. - Due Diligence Vendor-04/15/2025<br>| Months Reserves exceed minimum required - Months reserves required is 3; qualifying reserves is 141 months.<br>LTV is less than guideline maximum - Max LTV is 80%; qualifying LTV is 73.19%. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 3833978 |
| XXXX | XXXX | 9100923 D B A | Closed | FCRE0070 | 2025-04-10 16:50 | 2025-04-15 12:57 | Resolved | 1 - Information D A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided (3) | Resolved-Received 1008 - Due Diligence Vendor-04/15/2025 <br>Ready for Review-Document Uploaded. 1008 - Buyer-04/14/2025 <br>Open-Missing Approval/Underwriting Summary - Due Diligence Vendor-04/10/2025 |  | Resolved-Received 1008 - Due Diligence Vendor-04/15/2025<br>| Months Reserves exceed minimum required - Months reserves required is 3; qualifying reserves is 141 months.<br>LTV is less than guideline maximum - Max LTV is 80%; qualifying LTV is 73.19%. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 3833364 |
| XXXX | XXXX | 9100923 D B A | Closed | FCRE8201 | 2025-04-10 17:00 | 2025-04-10 17:51 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Client exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-04/10/2025 <br>Open-Approved Lender Exception in file for allowance of refinance on vacant/unleased property. - Due Diligence Vendor-04/10/2025 |  | Waived-Client exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-04/10/2025<br>| Months Reserves exceed minimum required - Months reserves required is 3; qualifying reserves is 141 months.<br>LTV is less than guideline maximum - Max LTV is 80%; qualifying LTV is 73.19%. | 6 months reserves greater than the program requirement.<br> DTI >10% below program requirement OR DSCR > 1.15. |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | 3833469 |
| XXXX | XXXX | 9091802 C A | Closed | FCRE9996 | 2025-04-11 11:48 | 2025-05-01 11:40 | Resolved | 1 - Information C A | Credit | Eligibility | Condo does not meet requirements | Resolved-Received updated Appraisal with Appraisal Commentary. - Due Diligence Vendor-04/16/2025 <br>Ready for Review-Document Uploaded. The appraiser has provided commentary: 4/14/2025 Revise the number of units in the project to 10 with 3 units owned by 1 individual per CPM and questionnaire. - Per agent, the commercial units (the 4 that want to be added) are owned and managed separately from the residential units. - Buyer-04/15/2025 <br>Open-Appraisal shows total of 6 total units, per questionnaire 3 units are owned by one entity equates to 50%, exceeds 30% guide max. - Due Diligence Vendor-04/11/2025 |  | Resolved-Received updated Appraisal with Appraisal Commentary. - Due Diligence Vendor-04/16/2025<br>| Months Reserves exceed minimum required - Min 3 months, actual 7.03 months<br>LTV is less than guideline maximum - Max 80%, actual 75%<br>Qualifying FICO score is at least 20 points above minimum for program - Min 680, actual 811 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3840901 |
| XXXX | XXXX | 9091802 C A | Closed | FCRE0099 | 2025-04-11 11:49 | 2025-04-16 15:55 | Resolved | 1 - Information C A | Credit | Eligibility | Discrepancy between Condo Questionnaire and Appraisal | Resolved-Received updated appraisal w/appraiser commentary. - Due Diligence Vendor-04/16/2025 <br>Ready for Review-Document Uploaded. The appraiser has provided commentary: 4/14/2025 Revise the number of units in the project to 10 with 3 units owned by 1 individual per CPM and questionnaire. - Per agent, the commercial units (the 4 that want to be added) are owned and managed separately from the residential units. - Buyer-04/15/2025 <br>Open-Condo Questionnaire shows 10 units in project, appraisal shows 6. If correct number of units is 6 then does not meet guides, see other finding for single entity ownership. - Due Diligence Vendor-04/11/2025 |  | Resolved-Received updated appraisal w/appraiser commentary. - Due Diligence Vendor-04/16/2025<br>| Months Reserves exceed minimum required - Min 3 months, actual 7.03 months<br>LTV is less than guideline maximum - Max 80%, actual 75%<br>Qualifying FICO score is at least 20 points above minimum for program - Min 680, actual 811 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3840930 |
| XXXX | XXXX | 9133942 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 9111452 D A | Closed | FCRE1198 | 2025-04-14 09:30 | 2025-04-30 10:22 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received Assets. Audited Reserves of 125.84 month(s) are greater than or equal to Guideline Required Reserves of 3 month(s) - Due Diligence Vendor-04/23/2025 <br>Ready for Review-Document Uploaded. supporting docs - Buyer-04/22/2025 <br>Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 3 month(s) Missing asset documentation - Due Diligence Vendor-04/14/2025 |  | Resolved-Received Assets. Audited Reserves of 125.84 month(s) are greater than or equal to Guideline Required Reserves of 3 month(s) - Due Diligence Vendor-04/23/2025<br>| On time mortgage history exceeds guideline requirement - 0x30 mortgage to 7/2020<br>Qualifying FICO score is at least 20 points above minimum for program - 776 FICO, 720 required |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3854015 |
| XXXX | XXXX | 9111452 D A | Closed | FCRE1201 | 2025-04-14 09:12 | 2025-04-25 15:59 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-fraud report provided. - Due Diligence Vendor-04/25/2025 <br> Ready for Review-Document Uploaded. supporting docs - Seller-04/23/2025 <br> Counter-Fraud report does not list all interested parties and appears to be incomplete. - Due Diligence Vendor-04/23/2025 <br> Ready for Review-Document Uploaded. Fraud Guard - Seller-04/22/2025 <br> Open-Missing Third Party Fraud Report All loans must be submitted to an automated fraud and data check tool (i.e. XXXX, etc.). - Due Diligence Vendor-04/14/2025 | Ready for Review-Document Uploaded. supporting docs - Seller-04/23/2025 <br> Ready for Review-Document Uploaded. XXXX - Seller-04/22/2025 | Resolved-fraud report provided. - Due Diligence Vendor-04/25/2025<br>| On time mortgage history exceeds guideline requirement - 0x30 mortgage to 7/2020<br>Qualifying FICO score is at least 20 points above minimum for program - 776 FICO, 720 required |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3853773 |
| XXXX | XXXX | 9111452 D A | Closed | FCRE9996 | 2025-04-14 09:37 | 2025-04-23 14:07 | Resolved | 1 - Information C A | Credit | Eligibility | Condo does not meet requirements | Resolved-Received UW attestation. - Due Diligence Vendor-04/23/2025 <br>Ready for Review-Received UW attestation. - Due Diligence Vendor-04/23/2025 <br>Open-Missing UW attestation of Condo Warrantability. - Due Diligence Vendor-04/14/2025 |  | Resolved-Received UW attestation. - Due Diligence Vendor-04/23/2025<br>| On time mortgage history exceeds guideline requirement - 0x30 mortgage to 7/2020<br>Qualifying FICO score is at least 20 points above minimum for program - 776 FICO, 720 required |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3854129 |
| XXXX | XXXX | 9111452 D A | Closed | FCRE0043 | 2025-04-14 09:23 | 2025-04-23 14:06 | Resolved | 1 - Information D A | Credit | Missing Doc | DSCR Calculation Missing | Resolved-Received DSCR Calculation - Due Diligence Vendor-04/23/2025 <br>Ready for Review-Document Uploaded. DSCR - Buyer-04/22/2025 <br>Open-The DSCR Calculation from lender is Missing. UW DSCR calculation is required to be delivered with the review file - Due Diligence Vendor-04/14/2025 |  | Resolved-Received DSCR Calculation - Due Diligence Vendor-04/23/2025<br>| On time mortgage history exceeds guideline requirement - 0x30 mortgage to 7/2020<br>Qualifying FICO score is at least 20 points above minimum for program - 776 FICO, 720 required |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3853929 |
| XXXX | XXXX | 9111452 D A | Closed | FCRE0109 | 2025-04-14 09:23 | 2025-04-23 14:06 | Resolved | 1 - Information C A | Credit | Eligibility | Missing Disclosure - Patriot Act Borrower Identification Form | Resolved-Received Patriot Act Form - Due Diligence Vendor-04/23/2025 <br>Ready for Review-Document Uploaded. supporting docs - Seller-04/22/2025 <br>Open-Missing Disclosure - Patriot Act Borrower Identification Form. Must be completed with docs used and signed. - Due Diligence Vendor-04/14/2025 | Ready for Review-Document Uploaded. supporting docs - Seller-04/22/2025<br>| Resolved-Received Patriot Act Form - Due Diligence Vendor-04/23/2025<br>| On time mortgage history exceeds guideline requirement - 0x30 mortgage to 7/2020<br>Qualifying FICO score is at least 20 points above minimum for program - 776 FICO, 720 required |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3853931 |
| XXXX | XXXX | 9111452 D A | Closed | FCRE1479 | 2025-04-14 09:17 | 2025-04-23 14:03 | Resolved | 1 - Information C A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-Excluded Asset. Was not required. - Due Diligence Vendor-04/23/2025 <br> Ready for Review-Document Uploaded. supporting docs - Seller-04/22/2025 <br> Open-Asset Record 1 Does Not Meet G/L Requirements Account history for XXXX does not name the owner of the account - Due Diligence Vendor-04/14/2025 | Ready for Review-Document Uploaded. supporting docs - Seller-04/22/2025<br>| Resolved-Excluded Asset. Was not required. - Due Diligence Vendor-04/23/2025<br>| On time mortgage history exceeds guideline requirement - 0x30 mortgage to 7/2020<br>Qualifying FICO score is at least 20 points above minimum for program - 776 FICO, 720 required |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3853844 |
| XXXX | XXXX | 9111452 D A | Closed | FCRE9501 | 2025-04-14 09:17 | 2025-04-23 14:03 | Resolved | 1 - Information C A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved-Received Assets. - Due Diligence Vendor-04/23/2025 <br> Ready for Review-Document Uploaded. supporting docs - Seller-04/22/2025 <br> Open-Total Qualified Assets Post-Close amount is XXXX'. Assets are Insufficient. Missing asset verification - Due Diligence Vendor-04/14/2025 | Ready for Review-Document Uploaded. supporting docs - Seller-04/22/2025<br>| Resolved-Received Assets. - Due Diligence Vendor-04/23/2025<br>| On time mortgage history exceeds guideline requirement - 0x30 mortgage to 7/2020<br>Qualifying FICO score is at least 20 points above minimum for program - 776 FICO, 720 required |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3853846 |
| XXXX | XXXX | 9111452 D A | Closed | FCRE1181 | 2025-04-14 09:06 | 2025-04-23 13:44 | Resolved | 1 - Information C A | Credit | Insurance | Subject loan is in Flood Zone and Notice of Special Flood Hazard Disclosure Not Completed | Resolved-Received Notice - Due Diligence Vendor-04/23/2025 <br>Ready for Review-Document Uploaded. Supporting docs - Buyer-04/22/2025 <br>Open-Subject Property is in Flood Zone AE but Notice of Special Flood Hazard Disclosure was not provided Notice in file is not executed by borrower. - Due Diligence Vendor-04/14/2025 |  | Resolved-Received Notice - Due Diligence Vendor-04/23/2025<br>| On time mortgage history exceeds guideline requirement - 0x30 mortgage to 7/2020<br>Qualifying FICO score is at least 20 points above minimum for program - 776 FICO, 720 required |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3853691 |
| XXXX | XXXX | 9111452 D A | Closed | FCRE1241 | 2025-04-14 08:54 | 2025-04-22 13:58 | Resolved | 1 - Information D A | Credit | Missing Doc | Purchase Contract is Missing | Resolved-Received Purchase contract with the correct purchase price. - Due Diligence Vendor-04/22/2025 <br>Ready for Review-Document Uploaded. Doc Uploaded - Buyer-04/18/2025 <br>Counter-Received purchase contract. However, sales price on contract does not match HUD Settlement statement. Provide purchase contract with sales price matching closing docs. - Due Diligence Vendor-04/17/2025 <br>Ready for Review-Document Uploaded. Supporting Doc Uploaded - Buyer-04/15/2025 <br>Open-Loan Purpose is Purchase but Purchase Contract is Missing. Missing purchase contract - Due Diligence Vendor-04/14/2025 |  | Resolved-Received Purchase contract with the correct purchase price. - Due Diligence Vendor-04/22/2025<br>| On time mortgage history exceeds guideline requirement - 0x30 mortgage to 7/2020<br>Qualifying FICO score is at least 20 points above minimum for program - 776 FICO, 720 required |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3853537 |
| XXXX | XXXX | 9111441 D A | Closed | FCOM1352 | 2025-04-14 17:38 | 2025-05-15 12:29 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received business purpose affidavit. - Due Diligence Vendor-05/15/2025 <br>Ready for Review-Document Uploaded. Supporting Doc Uploaded - Buyer-05/13/2025 <br>Open-The Business Purpose Affidavit Disclosure is Missing The business purpose certificate is not in file - Due Diligence Vendor-04/14/2025 |  | Resolved-Received business purpose affidavit. - Due Diligence Vendor-05/15/2025<br>| DSCR % greater than 1.20 - Qualifying DSCR is 1.395%<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 700, qualifying score is 751 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3861187 |
| XXXX | XXXX | 9133900 C B A | Closed | FCRE1492 | 2025-04-16 17:22 | 2025-04-17 08:35 | Waived | 2 - Non-Material C B | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Waived-Originator exception granted and in file, waiver applied with comp factors. Deemed non-material cash back - Due Diligence Vendor-04/17/2025 <br>Open-Cash Out Does Not Meet Guideline Requirements Exception in fie for amount of cash out - Due Diligence Vendor-04/16/2025 |  | Waived-Originator exception granted and in file, waiver applied with comp factors. Deemed non-material cash back - Due Diligence Vendor-04/17/2025<br>| On time mortgage history exceeds guideline requirement - Mortgage History 0x30x12.<br>Qualifying FICO score is at least 20 points above minimum for program - Fico is 748. 720 required. | 1. -24 + Month on time mortgage history. 2. FICO 748 (over 20 points of max) |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 3884103 |
| XXXX | XXXX | 9133852 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | XXXX | 9091825 C B A | Closed | FCRE0104 | 2025-04-15 12:39 | 2025-05-07 13:47 | Resolved | 1 - Information C A | Credit | Eligibility | Prepayment Penalty is not allowed | Resolved-Received corrected Note removing prepayment penalty. - Due Diligence Vendor-05/07/2025 <br> Counter-Received corrected security instrument removing prepayment penalty. Note reflects prepay addendum - please address. - Due Diligence Vendor-04/24/2025 <br> Ready for Review-Document Uploaded. Cert. corrected Deed of Trust removing PPP rider - Buyer-04/23/2025 <br> Open-Prepayment Penalty is not allowed. Ohio prepayment penalty for 1-2 Units with loan amount equal to or greater than XXXX allow for a prepayment penalty of only 1% of the original principal balance, up to 5 years. This loan has prepayment penalty of 5% for 36 months. - Due Diligence Vendor-04/15/2025 |  | Resolved-Received corrected Note removing prepayment penalty. - Due Diligence Vendor-05/07/2025<br>| Months Reserves exceed minimum required - Months reserves required is 3; qualifying reserves is 48.43 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 700; qualifying FICO is 752. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3868688 |
| XXXX | XXXX | 9091825 C B A | Closed | FCRE1509 | 2025-04-15 11:53 | 2025-05-07 13:45 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Note Document | Resolved-Received amended Note and confirmation of rerecording of security instrument removing prepayment penalty. - Due Diligence Vendor-05/07/2025 <br> Ready for Review-Document Uploaded. Corrected Note and LOE - Buyer-05/06/2025 <br> Open-There are Issues Present on the Note that must be addressed. Ohio prepayment penalty for 1-2 Units with loan amount equal to or greater than XXXX allow for a prepayment penalty of only 1% of the original principal balance, up to 5 years. This loan has prepayment penalty of 5% for 36 months. - Due Diligence Vendor-04/15/2025 |  | Resolved-Received amended Note and confirmation of rerecording of security instrument removing prepayment penalty. - Due Diligence Vendor-05/07/2025<br>| Months Reserves exceed minimum required - Months reserves required is 3; qualifying reserves is 48.43 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 700; qualifying FICO is 752. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3868015 |
| XXXX | XXXX | 9091825 C B A | Closed | FCRE8201 | 2025-04-15 12:45 | 2025-04-15 15:14 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Client exception granted, waiver applied with comp factors. Deemed non-material as eResi allows loan amounts as low as XXXX - Due Diligence Vendor-04/15/2025 <br> Open-Lender Exception Request for allowance of loan amount below XXXX. - Due Diligence Vendor-04/15/2025 |  | Waived-Client exception granted, waiver applied with comp factors. Deemed non-material as eResi allows loan amounts as low as XXXX - Due Diligence Vendor-04/15/2025 | Months Reserves exceed minimum required - Months reserves required is 3; qualifying reserves is 48.43 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 700; qualifying FICO is 752. | Conservative Revolving<br> Reserves @ 103<br> Property Management Experience<br> LTV @ 75% |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | 3868742 |
| XXXX | XXXX | 9119037 D A | Closed | FCRE0070 | 2025-04-15 16:24 | 2025-04-22 13:50 | Resolved | 1 - Information D A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided (3) | Resolved-Received approval. - Due Diligence Vendor-04/22/2025 <br>Ready for Review-Document Uploaded. Supporting Doc Uploaded - Buyer-04/18/2025 <br>Open-Missing Approval/Underwriting Summary Missing Loan Approval/Underwriting Summary. - Due Diligence Vendor-04/15/2025 |  | Resolved-Received approval. - Due Diligence Vendor-04/22/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - The Borrowers credit score is 755; guideline minimum is 700.<br>Months Reserves exceed minimum required - 8.88 mths reserves; 3 mths required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3872284 |
| XXXX | XXXX | 9119067 D A | Closed | FCRE0070 | 2025-04-16 09:54 | 2025-04-25 11:29 | Resolved | 1 - Information D A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided (3) | Resolved-Received 1008 - Due Diligence Vendor-04/23/2025 <br>Ready for Review-Document Uploaded. supporting docs - Buyer-04/22/2025 <br>Open-Missing Approval/Underwriting Summary. - Due Diligence Vendor-04/16/2025 |  | Resolved-Received 1008 - Due Diligence Vendor-04/23/2025<br>| Credit history exceeds minimum required - History exceeds minimum required.<br>LTV is less than guideline maximum - The LTV is 64.89; guideline maximum is 75%. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3877452 |
| XXXX | XXXX | 9119067 D A | Closed | FCRE0109 | 2025-04-16 09:42 | 2025-04-23 12:51 | Resolved | 1 - Information C A | Credit | Eligibility | Missing Disclosure - Patriot Act Borrower Identification Form | Resolved-Upon further review, the loan file contained all required photo id documentation. - Due Diligence Vendor-04/23/2025 <br>Ready for Review-Document Uploaded. DL page 323 of file delivered, form not required - Buyer-04/22/2025 <br>Open-Missing Disclosure - Patriot Act Borrower Identification Form. - Due Diligence Vendor-04/16/2025 |  | Resolved-Upon further review, the loan file contained all required photo id documentation. - Due Diligence Vendor-04/23/2025<br>| Credit history exceeds minimum required - History exceeds minimum required.<br>LTV is less than guideline maximum - The LTV is 64.89; guideline maximum is 75%. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3877268 |
| XXXX | XXXX | 9119067 D A | Closed | FCRE1440 | 2025-04-16 09:29 | 2025-04-23 12:48 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received vom - Due Diligence Vendor-04/23/2025 <br>Ready for Review-Document Uploaded. supporting docs - Buyer-04/22/2025 <br>Open-Housing History Does Not Meet Guideline Requirements Missing VOM on the Subject Property. - Due Diligence Vendor-04/16/2025 |  | Resolved-Received vom - Due Diligence Vendor-04/23/2025<br>| Credit history exceeds minimum required - History exceeds minimum required.<br>LTV is less than guideline maximum - The LTV is 64.89; guideline maximum is 75%. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3877058 |
| XXXX | XXXX | 9064758 D A | Closed | FCRE1510 | 2025-04-15 09:01 | 2025-04-21 12:38 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Legal Description. - Due Diligence Vendor-04/21/2025 <br>Ready for Review-Document Uploaded. Legal Description - Buyer-04/18/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Legal Description referenced as attached to Security Instrument is not included within the document or riders. - Due Diligence Vendor-04/15/2025 |  | Resolved-Received Legal Description. - Due Diligence Vendor-04/21/2025<br>| Credit history exceeds minimum required - Low credit usage, 20+ months reporting on O/O Mortgage 0x30<br>Months Reserves exceed minimum required - Reserves: 16 Min 3 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3865355 |
| XXXX | XXXX | 9064758 D A | Closed | FCRE0043 | 2025-04-16 12:06 | 2025-04-21 12:36 | Resolved | 1 - Information D A | Credit | Missing Doc | DSCR Calculation Missing | Resolved-Received DSCR Calculation - Due Diligence Vendor-04/21/2025 <br>Ready for Review-Document Uploaded. DSCR Calculation Worksheet - Buyer-04/18/2025 <br>Open-The DSCR Calculation from lender is Missing. Missing lender's DSCR Calculation Worksheet or 1008 showing calculation - Due Diligence Vendor-04/16/2025 |  | Resolved-Received DSCR Calculation - Due Diligence Vendor-04/21/2025<br>| Credit history exceeds minimum required - Low credit usage, 20+ months reporting on O/O Mortgage 0x30<br>Months Reserves exceed minimum required - Reserves: 16 Min 3 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3879690 |
| XXXX | XXXX | 9064758 D A | Closed | FCRE0109 | 2025-04-16 12:06 | 2025-04-21 12:36 | Resolved | 1 - Information C A | Credit | Eligibility | Missing Disclosure - Patriot Act Borrower Identification Form | Resolved-Upon further review, the DL was in the loan file. - Due Diligence Vendor-04/21/2025 <br>Open-Missing Disclosure - Patriot Act Borrower Identification Form. Missing completed and signed US Patriot Act Disclosure - Due Diligence Vendor-04/16/2025 |  | Resolved-Upon further review, the DL was in the loan file. - Due Diligence Vendor-04/21/2025<br>| Credit history exceeds minimum required - Low credit usage, 20+ months reporting on O/O Mortgage 0x30<br>Months Reserves exceed minimum required - Reserves: 16 Min 3 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3879692 |
| XXXX | XXXX | 9133845 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | XXXX | 9064763 D A | Closed | FCOM1280 | 2025-04-15 13:02 | 2025-05-12 10:26 | Resolved | 1 - Information D A | Compliance | Missing Doc | Collateral Protection Notice is Missing | Resolved-Rec'd Collateral Protection Notice. Finding Resolved. - Due Diligence Vendor-05/12/2025 <br>Ready for Review-Document Uploaded. supporting docs - Buyer-05/09/2025 <br>Open-Collateral Protection Notice is Missing -----Missing Hazard Insurance Authorization and Requirements disclosure - Due Diligence Vendor-04/15/2025 |  | Resolved-Rec'd Collateral Protection Notice. Finding Resolved. - Due Diligence Vendor-05/12/2025<br>| Months Reserves exceed minimum required - The Borrower has 36.62 months in reserves.<br>Qualifying FICO score is at least 20 points above minimum for program - 787 score exceeds 660 minimum. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3869088 |
| XXXX | XXXX | 9064763 D A | Closed | FCRE1201 | 2025-04-17 12:09 | 2025-05-07 12:41 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received supporting documentation for fraud report. - Due Diligence Vendor-05/07/2025 <br> Ready for Review-Document Uploaded. Supporting doc - Seller-05/06/2025 <br> Counter-Received fraud alert with XXXX Fail-provide corrected report or XXXX clearance. (XXXX) - Due Diligence Vendor-04/30/2025 <br> Ready for Review-Document Uploaded. Fraud report AND title - Buyer-04/29/2025 <br> Open-Missing Third Party Fraud Report Missing Fraud Report - Due Diligence Vendor-04/17/2025 | Ready for Review-Document Uploaded. Supporting doc - Seller-05/06/2025<br>| Resolved-Received supporting documentation for fraud report. - Due Diligence Vendor-05/07/2025<br>| Months Reserves exceed minimum required - The Borrower has 36.62 months in reserves.<br>Qualifying FICO score is at least 20 points above minimum for program - 787 score exceeds 660 minimum. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3891314 |
| XXXX | XXXX | 9064763 D A | Closed | FCRE1151 | 2025-04-17 10:53 | 2025-04-30 13:35 | Resolved | 1 - Information C A | Credit | Title | Satisfactory Chain of Title not Provided | Resolved-Received chain of title. - Due Diligence Vendor-04/30/2025 <br>Ready for Review-Document Uploaded. supporting docs - Buyer-04/29/2025 <br>Open-Unsatisfactory Chain of Title provided. Missing Chain of Title - Due Diligence Vendor-04/17/2025 |  | Resolved-Received chain of title. - Due Diligence Vendor-04/30/2025<br>| Months Reserves exceed minimum required - The Borrower has 36.62 months in reserves.<br>Qualifying FICO score is at least 20 points above minimum for program - 787 score exceeds 660 minimum. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3890063 |
| XXXX | XXXX | 9064763 D A | Closed | FCRE0109 | 2025-04-17 12:19 | 2025-04-30 13:27 | Resolved | 1 - Information C A | Credit | Eligibility | Missing Disclosure - Patriot Act Borrower Identification Form | Resolved-Upon further review, the loan file contained all required identification documentation. - Due Diligence Vendor-04/30/2025 <br>Ready for Review-Document Uploaded. supporting docs - Buyer-04/29/2025 <br>Open-Missing Disclosure - Patriot Act Borrower Identification Form. Disclosure on page 1756; 1758 not signed. - Due Diligence Vendor-04/17/2025 |  | Resolved-Upon further review, the loan file contained all required identification documentation. - Due Diligence Vendor-04/30/2025<br>| Months Reserves exceed minimum required - The Borrower has 36.62 months in reserves.<br>Qualifying FICO score is at least 20 points above minimum for program - 787 score exceeds 660 minimum. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3891443 |
| XXXX | XXXX | 9133880 D A | Closed | FCRE7497 | 2025-04-21 18:00 | 2025-04-25 12:03 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Confirmed no HOA. - Due Diligence Vendor-04/25/2025 <br> Ready for Review-Document Uploaded. Reviewed with Underwriter and the property XXXX was left on the 1003 erroneously. Borrower is an investor and 3e was added as a place holder incase additional properties were found and failed to remove it when finalizing. A corrected 1003 and 1008 has been provided. Also attached is a XXXX Printout supporting that property XXXX does not have any HOA Dues. We ask that this item please be cleared.<br> - Seller-04/25/2025 <br> Open-Missing verification of taxes, insurance, and/or HOA fees for non-subject property for 3e.<br> Missing verification of HOA fees for non-subject property for XXXX. - Due Diligence Vendor-04/21/2025 | Ready for Review-Document Uploaded. Reviewed with Underwriter and the property 3e was left on the 1003 erroneously. Borrower is an investor and XXXX was added as a place holder incase additional properties were found and failed to remove it when finalizing. A corrected 1003 and 1008 has been provided. Also attached is a XXXX Printout supporting that property XXXX does not have any HOA Dues. We ask that this item please be cleared.<br> - Seller-04/25/2025 | Resolved-Confirmed no HOA. - Due Diligence Vendor-04/25/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 731 and minimum allowed is 660<br>Months Reserves exceed minimum required - 17.28 mths reserves; 6 mths required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3920746 |
| XXXX | XXXX | 9133880 D A | Closed | FCRE1118 | 2025-04-17 12:23 | 2025-04-25 12:03 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Deed of Trust Signature does not match Note | Resolved-loan closed in an LLC. - Due Diligence Vendor-04/25/2025 <br>Ready for Review-That would be accurate. Our loan programs allow for the borrower to Vest in an LLC; however, we only lend to individuals and not the businesses. As such, the Note would be endorsed by the borrower as an individual; however, since vesting in an LLC, the Mortgage/Deed would be signed as the Member of the LLC being vested in. Can this please be cleared? - Seller-04/25/2025 <br>Open-Borrower 1 Signature does not match Note -----Note has borrower singing as individual and DOT shows borrower signing as Sole Member and Manager. - Due Diligence Vendor-04/17/2025 | Ready for Review-That would be accurate. Our loan programs allow for the borrower to Vest in an LLC; however, we only lend to individuals and not the businesses. As such, the Note would be endorsed by the borrower as an individual; however, since vesting in an LLC, the Mortgage/Deed would be signed as the XXXX of the LLC being vested in. Can this please be cleared? - Seller-04/25/2025 | Resolved-loan closed in an LLC. - Due Diligence Vendor-04/25/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 731 and minimum allowed is 660<br>Months Reserves exceed minimum required - 17.28 mths reserves; 6 mths required. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3891490 |
| XXXX | XXXX | 9133880 D A | Closed | FCOM1351 | 2025-04-21 16:31 | 2025-04-25 12:02 | Resolved | 1 - Information D A | Credit | Missing Doc | Guaranty Agreement Missing | Resolved-Note signed as an individual, guaranty agreement is not required. - Due Diligence Vendor-04/25/2025 <br>Counter-Loan Agreement provided. Please provide the Guarantee agreement. - Due Diligence Vendor-04/24/2025 <br>Ready for Review-Document Uploaded. Please see attached. GoDocs only provide the Loan Agreement instead of the Guaranty Agreement. - Seller-04/22/2025 <br>Open-The Subject Loan is a Business Purpose Loan but the Guaranty Agreement Doc is 'Missing'. Missing the Guaranty Agreement . - Due Diligence Vendor-04/21/2025 | Ready for Review-Document Uploaded. Please see attached. GoDocs only provide the Loan Agreement instead of the Guaranty Agreement. - Seller-04/22/2025<br>| Resolved-Note signed as an individual, guaranty agreement is not required. - Due Diligence Vendor-04/25/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 731 and minimum allowed is 660<br>Months Reserves exceed minimum required - 17.28 mths reserves; 6 mths required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3919553 |
| XXXX | XXXX | 9133880 D A | Closed | FCRE5116 | 2025-04-21 18:55 | 2025-04-24 15:28 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Upon further review, the VOM was located in the loan file. - Due Diligence Vendor-04/24/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-04/22/2025 <br>Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Missing VOM for 3b . - Due Diligence Vendor-04/21/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-04/22/2025<br>| Resolved-Upon further review, the VOM was located in the loan file. - Due Diligence Vendor-04/24/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 731 and minimum allowed is 660<br>Months Reserves exceed minimum required - 17.28 mths reserves; 6 mths required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3921060 |
| XXXX | XXXX | 9133880 D A | Closed | FCRE8701 | 2025-04-22 07:49 | 2025-04-24 15:11 | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Missing | Resolved-Received EIN - Due Diligence Vendor-04/24/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-04/23/2025 <br>Open-The Business Entity Formation Document is Missing .Missing EIN Doc - Due Diligence Vendor-04/22/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-04/23/2025<br>| Resolved-Received EIN - Due Diligence Vendor-04/24/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 731 and minimum allowed is 660<br>Months Reserves exceed minimum required - 17.28 mths reserves; 6 mths required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3923390 |
| XXXX | XXXX | 9133921 D A | Closed | FCRE0044 | 2025-05-07 14:47 | 2025-05-19 15:02 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Received credit inquiry letter. - Due Diligence Vendor-05/19/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-05/16/2025 <br> Open-\*New\* Please provide an LOE for the inquiry on XXXX with XXXX. This is reporting on the UDN. - Due Diligence Vendor-05/07/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-05/16/2025<br>| Resolved-Received credit inquiry letter. - Due Diligence Vendor-05/19/2025<br>| Months Reserves exceed minimum required - 9 months reserves required- Borrower's reserves 25.37 mths<br>Qualifying DTI below maximum allowed - Max DTI 50%- Borrower's DTI 18.69% |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 4073282 |
| XXXX | XXXX | 9133921 D A | Closed | FPRO1253 | 2025-04-23 11:39 | 2025-05-09 16:26 | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Received SSR's with a CU score of 1 and a LCA score of 1. - Due Diligence Vendor-05/09/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-05/07/2025 <br>Open-Additional valuation product has not been provided. CU/LCA provided show wrong appraised value, cannot use. - Due Diligence Vendor-04/23/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-05/07/2025<br>| Resolved-Received SSR's with a CU score of 1 and a LCA score of 1. - Due Diligence Vendor-05/09/2025<br>| Months Reserves exceed minimum required - 9 months reserves required- Borrower's reserves 25.37 mths<br>Qualifying DTI below maximum allowed - Max DTI 50%- Borrower's DTI 18.69% |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3938967 |
| XXXX | XXXX | 9133921 D A | Closed | FCRE5782 | 2025-04-23 10:41 | 2025-05-07 14:46 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap Report. - Due Diligence Vendor-05/07/2025 <br>Ready for Review-Document Uploaded. Please see attached, we note that there were not any significant changes to the borrower's credit that would impact the credit decision. - Seller-05/06/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Provide the Gap Credit Report. - Due Diligence Vendor-04/23/2025 | Ready for Review-Document Uploaded. Please see attached, we note that there were not any significant changes to the borrower's credit that would impact the credit decision. - Seller-05/06/2025<br>| Resolved-Received Gap Report. - Due Diligence Vendor-05/07/2025<br>| Months Reserves exceed minimum required - 9 months reserves required- Borrower's reserves 25.37 mths<br>Qualifying DTI below maximum allowed - Max DTI 50%- Borrower's DTI 18.69% |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3937540 |
| XXXX | XXXX | 9133850 C B A | Closed | FCRE1198 | 2025-04-23 10:02 | 2025-04-23 11:24 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Originator exception granted and in file, waiver applied with comp factors. Deemed immaterial B1 residual income covers the reserve requirements. - Due Diligence Vendor-04/23/2025 <br>Open-Audited Reserves of 3 month(s) are less than Guideline Required Reserves of 12 month(s) Lender exception in file for reserves not meet. Lender requires 12 months borrower has 3 months. - Due Diligence Vendor-04/23/2025 |  | Waived-Originator exception granted and in file, waiver applied with comp factors. Deemed immaterial B1 residual income covers the reserve requirements. - Due Diligence Vendor-04/23/2025<br>| Verified employment history exceeds guidelines - Self employed for over 5 years<br>Qualifying DTI below maximum allowed - Max DTI is 50%, borrowers DTI is 6.61% | Credit history exceeds minimum required<br> 5 years self employed <br> DTI is 45 points below max allowed |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | Yes | 3936957 |
| XXXX | XXXX | 9133982 D B A | Closed | FCRE7347 | 2025-04-23 14:05 | 2025-04-23 14:08 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Missing Lease Agreement | Waived-Originator exception granted and in file, waiver applied with comp factors. Deemed in material market rent untiled, Low LTV and excess reserves. - Due Diligence Vendor-04/23/2025 <br> Open-Lender exception provided 1007 does not reflect current lease amount only market rents provided. Per guides lease is not required if the appraiser lists the rent amount for the subject on Form 1007/1025. Otherwise, a copy of the lease is required - Due Diligence Vendor-04/23/2025 |  | Waived-Originator exception granted and in file, waiver applied with comp factors. Deemed in material market rent untiled, Low LTV and excess reserves. - Due Diligence Vendor-04/23/2025<br>| Months Reserves exceed minimum required - Min reserves required 3 mths- Borrower has 113.6 mths in reserves <br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 720 - Borrower's FICO 812 | FICO 60 + points above min.<br> 12 + months reserves. |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 3941149 |
| XXXX | XXXX | 9133846 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | XXXX | 9133847 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | XXXX | 9133844 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 9119049 D A | Closed | FCRE0043 | 2025-05-13 20:26 | 2025-05-15 11:04 | Resolved | 1 - Information D A | Credit | Missing Doc | DSCR Calculation Missing | Resolved-Received DSCR calculation. - Due Diligence Vendor-05/15/2025 <br>Ready for Review-Document Uploaded. Supporting docs - Buyer-05/14/2025 <br>Open-The DSCR Calculation from lender is Missing. Loan file is missing the lender's DSCR calculation. - Due Diligence Vendor-05/14/2025 |  | Resolved-Received DSCR calculation. - Due Diligence Vendor-05/15/2025<br>| DSCR % greater than 1.20 - DSCR = 1.311<br>Qualifying FICO score is at least 20 points above minimum for program - 754 qualifying FICO score, 700 minimum score required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4133860 |
| XXXX | XXXX | 9119075 D A | Closed | FCOM1351 | 2025-05-16 11:34 | 2025-05-20 12:55 | Resolved | 1 - Information D A | Credit | Missing Doc | Guaranty Agreement Missing | Resolved-Received personal guaranty agreement. - Due Diligence Vendor-05/20/2025 <br>Ready for Review-Document Uploaded. supporting docs - Buyer-05/19/2025 <br>Open-The Subject Loan is a Business Purpose Loan but the Guaranty Agreement Doc is 'Partial'. The Guaranty agreement is signed for the borrower's LLC. LLC needs to be removed from above the signature line. - Due Diligence Vendor-05/16/2025 |  | Resolved-Received personal guaranty agreement. - Due Diligence Vendor-05/20/2025<br>| On time mortgage history exceeds guideline requirement - Borrower's mortgage history is 0x30 x24+ months and up to 1x30 x12 months mortgage history allowed.<br>Qualifying FICO score is at least 20 points above minimum for program - 754 qualifying FICO score, 720 minimum score required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4164280 |
| XXXX | XXXX | 9133936 C A | Closed | FCRE6843 | 2025-04-24 11:40 | 2025-05-13 14:54 | Resolved | 1 - Information C A | Credit | Assets | Asset General | Resolved-Received all pages - Due Diligence Vendor-05/13/2025 <br> Ready for Review-Document Uploaded. Please see attached XXXX statement. Please note the loan funded on XXXX; therefore, an XXXX complete statement is not required and would not have been available at the time the loan funded. - Seller-05/12/2025 <br> Open-Missing all pages for XXXX and XXXX asset account XXXX - Due Diligence Vendor-04/24/2025 | Ready for Review-Document Uploaded. Please see attached XXXX statement. Please note the loan funded on XXXX; therefore, an XXXX complete statement is not required and would not have been available at the time the loan funded. - Seller-05/12/2025 | Resolved-Received all pages - Due Diligence Vendor-05/13/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 720, borrowers mid score 774<br>Months Reserves exceed minimum required - 6 months minimum reserve requirement, borrower has 13.72 documented<br>Qualifying DTI below maximum allowed - Guidelines allow DTI to 45%. Qualifying DTI is 34.65%. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3951842 |
| XXXX | XXXX | 9133936 C A | Closed | finding-3542 | 2025-04-19 17:51 | 2025-04-29 08:25 | Resolved | 1 - Information C A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (Waiting Period Required) Test | Resolved-Upon further review, finding resolved. - Due Diligence Vendor-04/29/2025 <br> Ready for Review-Reviewed with our compliance team, and due to the fact this was a betterment to the borrower, a 3-day waiting period was not required. - Seller-04/25/2025 <br> Open-This loan failed the revised closing disclosure delivery date test (waiting period required).(12 CFR §1026.19(f)(2)(ii))The revised closing disclosure delivery requires a new waiting period andThe revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either:"XXXX " or "Electronic Delivery" or blank, and the revised closing disclosure delivery date is less than 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 revised closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation requiring a new waiting period. If one of the following disclosures provided under §1026.19(f)(1)(i) becomes inaccurate in the following manner before consummation, the creditor shall ensure that the consumer receives corrected disclosures containing all changed terms in accordance with the requirements of §1026.19(f)(1)(ii)(A):(A) The annual percentage rate disclosed under §1026.38(o)(4) becomes inaccurate, as defined in §1026.22.(B) The loan product is changed, causing the information disclosed under §1026.38(a)(5)(iii) to become inaccurate.(C) A prepayment penalty is added, causing the statement regarding a prepayment penalty required under §1026.38(b) to become inaccurate.The creditor shall ensure that the consumer receives the disclosures required under §1026.19(f)(1)(i) no later than three business days before consummation. The APR of 7.313% on CD XXXX changed to 7.212% on final CD XXXX without a new three day waiting period. - Due Diligence Vendor-04/19/2025 | Ready for Review-Reviewed with our compliance team, and due to the fact this was a betterment to the borrower, a 3-day waiting period was not required. - Seller-04/25/2025<br>| Resolved-Upon further review, finding resolved. - Due Diligence Vendor-04/29/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 720, borrowers mid score 774<br>Months Reserves exceed minimum required - 6 months minimum reserve requirement, borrower has 13.72 documented<br>Qualifying DTI below maximum allowed - Guidelines allow DTI to 45%. Qualifying DTI is 34.65%. |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3909363 |
| XXXX | XXXX | 9125126 C A | Closed | FCRE1510 | 2025-04-25 10:26 | 2025-05-07 13:13 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Notary Correction Certificate. - Due Diligence Vendor-05/07/2025 <br>Ready for Review-Document Uploaded. Escrow correction to date and getting recorded - Buyer-05/06/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Borrower signed a future date of 04/15/2025 and the Notary date is 04/14/2025 - Due Diligence Vendor-04/25/2025 |  | Resolved-Received Notary Correction Certificate. - Due Diligence Vendor-05/07/2025<br>| Months Reserves exceed minimum required - Months reserves required is 3; qualifying reserves is 8.56 months.<br>Qualifying DTI below maximum allowed - Maximum DTI is 45%; qualifying DTI is 21.30%. |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3962691 |
| XXXX | XXXX | 9125126 C A | Closed | FCOM1301 | 2025-04-21 08:28 | 2025-04-23 12:41 | Resolved | 1 - Information B A | Compliance | Missing Doc | Home Loan Toolkit is Missing | Resolved-he Home Loan Toolkit disclosure provided. - Due Diligence Vendor-04/23/2025 <br>Open-The Home Loan Toolkit disclosure is missing. - Due Diligence Vendor-04/21/2025 |  | Resolved-he Home Loan Toolkit disclosure provided. - Due Diligence Vendor-04/23/2025<br>| Months Reserves exceed minimum required - Months reserves required is 3; qualifying reserves is 8.56 months.<br>Qualifying DTI below maximum allowed - Maximum DTI is 45%; qualifying DTI is 21.30%. |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3912544 |
| XXXX | XXXX | 9125126 C A | Closed | finding-3652 | 2025-04-21 09:08 | 2025-04-22 11:12 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Upon further review, no further documentation is needed or required. Valid COC for decrease in lender credits is in file. - Due Diligence Vendor-04/22/2025 <br> Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits (XXXX) does not exceed or equal the comparable sum of specific and non-specific lender credits (XXXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Lender credit decreased from XXXX to XXXX without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of XXXX, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Statute of Limitations 3 years- Expiration date is XXXX.<br> - Due Diligence Vendor-04/21/2025 |  | Resolved-Upon further review, no further documentation is needed or required. Valid COC for decrease in lender credits is in file. - Due Diligence Vendor-04/22/2025<br>| Months Reserves exceed minimum required - Months reserves required is 3; qualifying reserves is 8.56 months.<br>Qualifying DTI below maximum allowed - Maximum DTI is 45%; qualifying DTI is 21.30%. |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3912899 |
| XXXX | XXXX | 9133935 C A | Closed | FCRE8702 | 2025-04-25 08:13 | 2025-05-15 14:29 | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Incomplete | Resolved-Received EIN - Due Diligence Vendor-05/15/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-05/13/2025 <br>Open-The Business Entity Formation Document is incomplete Missing Business Entity EIN - Due Diligence Vendor-04/25/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-05/13/2025<br>| Resolved-Received EIN - Due Diligence Vendor-05/15/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 774; guidelines require 680.<br>DSCR % greater than 1.20 - DSCR = 1.362. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3961145 |
| XXXX | XXXX | 9111456 D B A | Closed | FCRE0108 | 2025-04-23 05:22 | 2025-05-29 16:09 | Waived | 2 - Non-Material C B | Credit | Insurance | Fidelity Coverage not met | Waived-Client exception granted to allow HOA without Fidelity Coverage . Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-05/16/2025 <br> Ready for Review-Document Uploaded. Exception request and approval uploaded - Buyer-05/14/2025 <br> Counter-Documentation received is insufficient-missing evidence of Fidelity coverage. Original finding remains. - Due Diligence Vendor-05/09/2025 <br> Ready for Review-Document Uploaded. Replacement cost and Fidelity Coverage. - Buyer-05/09/2025 <br> Counter-Master policy provided does not disclose the Fidelity Coverage. - Due Diligence Vendor-04/28/2025 <br> Ready for Review-Document Uploaded. MASTER INSURANCE DEC PAGE - Buyer-04/25/2025 <br> Open-Fidelity Coverage not met. Cannot determine without Condo Master Policy. - Due Diligence Vendor-04/23/2025 |  | Waived-Client exception granted to allow HOA without Fidelity Coverage . Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-05/16/2025<br>| Months Reserves exceed minimum required - Months reserves required is 3; qualifying reserves is 106.87 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 660; qualifying FICO is 793. | There will be an Exception LLPA hit of .25 that will apply for this specific exception | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | 3934831 |
| XXXX | XXXX | 9111456 D B A | Closed | FCRE8887 | 2025-04-23 05:48 | 2025-05-13 14:10 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing or Incomplete 1003 | Resolved-Received amended 1003 - Due Diligence Vendor-05/13/2025 <br> Ready for Review-Document Uploaded. The 1003 shows that we disclosed XXXX as a payment. The mortgage P&I is XXXX, the taxes are XXXX and the insurance is XXXX for a total of XXXX. WE OVERDISCLOSED on the 1003 – that is a worst-case scenario. It is actually less than we disclosed. - Seller-05/12/2025 <br> Counter-Received 1003-documentation is insufficient-original finding remains-Missing evidence of XXXX monthly TIA for Primary Residence, as reflected on Final 1003. Per Mortgage Statement, property is escrowed, and HOI provided for primary residence does not equal monthly TIA reflected. Additional conditions may apply. - Due Diligence Vendor-05/09/2025 <br> Ready for Review-Document Uploaded. supporting docs - Seller-05/08/2025 <br> Counter-1003 provided is not signed and does not appear to be the final 1003. - Due Diligence Vendor-04/28/2025 <br> Ready for Review-Document Uploaded. FINAL SIGNED 1003 - Seller-04/25/2025 <br> Open-Missing evidence of XXXX monthly TIA for Primary Residence, as reflected on Final 1003. Per Mortgage Statement, property is escrowed, and HOI provided for primary residence does not equal monthly TIA reflected. Additional conditions may apply. - Due Diligence Vendor-04/23/2025 | Ready for Review-Document Uploaded. The 1003 shows that we disclosed XXXX as a payment. The mortgage P&I is XXXX, the taxes are XXXX and the insurance is XXXX for a total of XXXX. WE OVERDISCLOSED on the 1003 – that is a worst-case scenario. It is actually less than we disclosed. - Seller-05/12/2025 <br> Ready for Review-Document Uploaded. supporting docs - Seller-05/08/2025 <br> Ready for Review-Document Uploaded. FINAL SIGNED 1003 - Seller-04/25/2025 | Resolved-Received amended 1003 - Due Diligence Vendor-05/13/2025<br>| Months Reserves exceed minimum required - Months reserves required is 3; qualifying reserves is 106.87 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 660; qualifying FICO is 793. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 3934914 |
| XXXX | XXXX | 9111456 D B A | Closed | FCRE1173 | 2025-04-23 05:22 | 2025-05-09 13:20 | Resolved | 1 - Information D A | Credit | Missing Doc | Condo Master Insurance Policy is Missing | Resolved-Received condo master insurance. - Due Diligence Vendor-05/09/2025 <br>Ready for Review-Document Uploaded. Replacement cost and Fidelity Coverage. - Seller-05/09/2025 <br>Counter-Master policy provided does not disclose the replacement cost. - Due Diligence Vendor-04/28/2025 <br>Ready for Review-Document Uploaded. MASTER INSURANCE DEC PAGE - Seller-04/25/2025 <br>Open-Missing Condo Master Insurance Policy - Due Diligence Vendor-04/23/2025 | Ready for Review-Document Uploaded. Replacement cost and XXXX Coverage. - Seller-05/09/2025 <br> Ready for Review-Document Uploaded. MASTER INSURANCE DEC PAGE - Seller-04/25/2025 | Resolved-Received condo master insurance. - Due Diligence Vendor-05/09/2025<br>| Months Reserves exceed minimum required - Months reserves required is 3; qualifying reserves is 106.87 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 660; qualifying FICO is 793. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 3934833 |
| XXXX | XXXX | 9111456 D B A | Closed | FCRE5770 | 2025-04-23 05:37 | 2025-04-30 12:43 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Received VOM for subject property. - Due Diligence Vendor-04/28/2025 <br>Ready for Review-Document Uploaded. VOM - Buyer-04/28/2025 <br>Counter-Received credit report-missing VOM for subject property mortgage. Provide acceptable VOM reflecting 0x30 for 12 months. - Due Diligence Vendor-04/24/2025 <br>Ready for Review-Document Uploaded. supporting docs - Seller-04/23/2025 <br>Open-Borrower 1 Credit Report is Missing. Primary Credit Report missing from file. - Due Diligence Vendor-04/23/2025 | Ready for Review-Document Uploaded. supporting docs - Seller-04/23/2025<br>| Resolved-Received VOM for subject property. - Due Diligence Vendor-04/28/2025<br>| Months Reserves exceed minimum required - Months reserves required is 3; qualifying reserves is 106.87 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 660; qualifying FICO is 793. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 3934872 |
| XXXX | XXXX | 9111456 D B A | Closed | FCRE5782 | 2025-04-23 05:37 | 2025-04-30 12:43 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received gap report. - Due Diligence Vendor-04/30/2025 <br>Ready for Review-Document Uploaded. CREDIT REFRESH - Seller-04/28/2025 <br>Counter-VOM provided, however we are missing the Gap Report. - Due Diligence Vendor-04/28/2025 <br>Ready for Review-Document Uploaded. VOM - Seller-04/25/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Gap Credit Report within 10 days of Note date is missing. - Due Diligence Vendor-04/23/2025 | Ready for Review-Document Uploaded. CREDIT REFRESH - Seller-04/28/2025 <br>Ready for Review-Document Uploaded. VOM - Seller-04/25/2025<br>| Resolved-Received gap report. - Due Diligence Vendor-04/30/2025<br>| Months Reserves exceed minimum required - Months reserves required is 3; qualifying reserves is 106.87 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 660; qualifying FICO is 793. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 3934873 |
| XXXX | XXXX | 9111456 D B A | Closed | FCRE1201 | 2025-04-23 05:38 | 2025-04-30 12:41 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received SAM and fraud report. - Due Diligence Vendor-04/30/2025 <br> Ready for Review-Document Uploaded. LDP_XXXX - Seller-04/29/2025 <br> Counter-Received fraud report-missing XXXX clearance for appraiser-appears only first name entered. - Due Diligence Vendor-04/28/2025 <br> Ready for Review-Document Uploaded. XXXX - Buyer-04/28/2025 <br> Open-Missing Third Party Fraud Report Fraud Report is missing. - Due Diligence Vendor-04/23/2025 | Ready for Review-Document Uploaded. LDP_XXXX - Seller-04/29/2025 | Resolved-Received SAM and fraud report. - Due Diligence Vendor-04/30/2025<br>| Months Reserves exceed minimum required - Months reserves required is 3; qualifying reserves is 106.87 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 660; qualifying FICO is 793. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 3934877 |
| XXXX | XXXX | 9111456 D B A | Closed | FPRO1255 | 2025-04-23 05:19 | 2025-04-28 09:55 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | HOA Questionnaire Document is Missing | Resolved-The HOA Questionnaire Document is not missing or Not Applicable. - Due Diligence Vendor-04/28/2025 <br>Ready for Review-Document Uploaded. CONDO CERT - Buyer-04/25/2025 <br>Open-Subject Property is part of an HOA but the HOA Questionnaire Document is Missing. Condo questionnaire is missing. - Due Diligence Vendor-04/23/2025 |  | Resolved-The HOA Questionnaire Document is not missing or Not Applicable. - Due Diligence Vendor-04/28/2025<br>| Months Reserves exceed minimum required - Months reserves required is 3; qualifying reserves is 106.87 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 660; qualifying FICO is 793. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 3934819 |
| XXXX | XXXX | 9111456 D B A | Closed | FCRE1180 | 2025-04-23 05:22 | 2025-04-28 09:52 | Resolved | 1 - Information D A | Credit | Missing Doc | HO-6 Insurance Policy is Missing | Resolved-Received HO-6 Insurance Policy - Due Diligence Vendor-04/28/2025 <br>Ready for Review-Document Uploaded. Existing H06 insurance - Buyer-04/25/2025 <br>Counter-Received HO6 policy-subject property addresses differs from Note and appraisal on insurance. - Due Diligence Vendor-04/24/2025 <br>Ready for Review-Document Uploaded. supporting docs - Seller-04/23/2025 <br>Open-HO-6 Insurance Policy is Missing HO6 Policy is missing. - Due Diligence Vendor-04/23/2025 | Ready for Review-Document Uploaded. supporting docs - Seller-04/23/2025<br>| Resolved-Received HO-6 Insurance Policy - Due Diligence Vendor-04/28/2025<br>| Months Reserves exceed minimum required - Months reserves required is 3; qualifying reserves is 106.87 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 660; qualifying FICO is 793. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 3934832 |
| XXXX | XXXX | 9111456 D B A | Closed | FCRE1316 | 2025-04-23 05:32 | 2025-04-28 09:45 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Received VVOE. - Due Diligence Vendor-04/28/2025 <br>Ready for Review-Document Uploaded. FINAL VERBAL VOE - Seller-04/25/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing VVOE dated within 10 days of Note Date is missing from loan file. - Due Diligence Vendor-04/23/2025 | Ready for Review-Document Uploaded. FINAL VERBAL VOE - Seller-04/25/2025<br>| Resolved-Received VVOE. - Due Diligence Vendor-04/28/2025<br>| Months Reserves exceed minimum required - Months reserves required is 3; qualifying reserves is 106.87 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 660; qualifying FICO is 793. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 3934856 |
| XXXX | XXXX | 9119042 D A | Closed | FCRE0043 | 2025-04-23 14:09 | 2025-05-08 13:16 | Resolved | 1 - Information D A | Credit | Missing Doc | DSCR Calculation Missing | Resolved-Received DSCR calculation. - Due Diligence Vendor-05/08/2025 <br>Ready for Review-Document Uploaded. DSCR Calc - Buyer-05/07/2025 <br>Counter-DSCR provided has an incorrect P&I payment. - Due Diligence Vendor-05/05/2025 <br>Ready for Review-Document Uploaded. DSCR Calculation Uploaded - Seller-05/01/2025 <br>Open-The DSCR Calculation from lender is Missing. - Due Diligence Vendor-04/23/2025 | Ready for Review-Document Uploaded. DSCR Calculation Uploaded - Seller-05/01/2025<br>| Resolved-Received DSCR calculation. - Due Diligence Vendor-05/08/2025<br>| LTV is less than guideline maximum - 65% LTV; 75% max allowed<br>Months Reserves exceed minimum required - The Borrower has 8.62 months in reserves; 3 mos required |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3941226 |
| XXXX | XXXX | 9119042 D A | Closed | FCRE0109 | 2025-04-23 14:09 | 2025-05-08 13:16 | Resolved | 1 - Information C A | Credit | Eligibility | Missing Disclosure - Patriot Act Borrower Identification Form | Resolved-Received photo id. - Due Diligence Vendor-05/08/2025 <br>Ready for Review-Document Uploaded. DL - Seller-05/07/2025 <br>Counter-ID for B1 was located in the loan file, however we are missing the ID for B2. - Due Diligence Vendor-05/05/2025 <br>Ready for Review-Document Uploaded. supporting docs - Seller-05/01/2025 <br>Open-Missing Disclosure - Patriot Act Borrower Identification Form. Missing Patriot Act Borrower Identification Form. - Due Diligence Vendor-04/23/2025 | Ready for Review-Document Uploaded. DL - Seller-05/07/2025 <br>Ready for Review-Document Uploaded. supporting docs - Seller-05/01/2025<br>| Resolved-Received photo id. - Due Diligence Vendor-05/08/2025<br>| LTV is less than guideline maximum - 65% LTV; 75% max allowed<br>Months Reserves exceed minimum required - The Borrower has 8.62 months in reserves; 3 mos required |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3941227 |
| XXXX | XXXX | 9119042 D A | Closed | FCRE0112 | 2025-04-23 14:09 | 2025-05-08 13:16 | Resolved | 1 - Information C A | Credit | Eligibility | Approval/Underwriting Summary Not Provided_3 | Resolved-Received approval. - Due Diligence Vendor-05/05/2025 <br>Ready for Review-Document Uploaded. supporting docs - Buyer-05/01/2025 <br>Open-Approval/Underwriting Summary Not Provided. Missing 1008 - Due Diligence Vendor-04/23/2025 |  | Resolved-Received approval. - Due Diligence Vendor-05/05/2025<br>| LTV is less than guideline maximum - 65% LTV; 75% max allowed<br>Months Reserves exceed minimum required - The Borrower has 8.62 months in reserves; 3 mos required |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3941228 |
| XXXX | XXXX | 9119042 D A | Closed | FCRE0044 | 2025-04-23 15:42 | 2025-05-08 13:16 | 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 documentation. - Due Diligence Vendor-05/08/2025 <br>Ready for Review-Document Uploaded. LOE - Buyer-05/07/2025 <br>Ready for Review-Document Uploaded. supporting docs - Buyer-05/01/2025 <br>Open-LOX for credit inquiries is missing. - Due Diligence Vendor-04/23/2025 |  | Resolved-Upon further review, the loan file contained all required credit documentation. - Due Diligence Vendor-05/08/2025<br>| LTV is less than guideline maximum - 65% LTV; 75% max allowed<br>Months Reserves exceed minimum required - The Borrower has 8.62 months in reserves; 3 mos required |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3943007 |
| XXXX | XXXX | 9119042 D A | Closed | FCRE8223 | 2025-04-23 16:04 | 2025-05-05 12:49 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Articles of Origination | Resolved-Received Articles of Organization. - Due Diligence Vendor-05/05/2025 <br> Ready for Review-Document Uploaded. supporting docs - Buyer-05/01/2025 <br> Open-Missing Articles of Origination for XXXX - Due Diligence Vendor-04/23/2025 |  | Resolved-Received Articles of Organization. - Due Diligence Vendor-05/05/2025<br>| LTV is less than guideline maximum - 65% LTV; 75% max allowed<br>Months Reserves exceed minimum required - The Borrower has 8.62 months in reserves; 3 mos required |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3943471 |
| XXXX | XXXX | 9130237 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| XXXX | XXXX | 9133857 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 9133915 C A | Closed | FCRE1440 | 2025-04-28 10:30 | 2025-05-01 15:54 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Housing History was provided. VOM provided for subject property, 0 lates reported since XXXX. - Due Diligence Vendor-05/01/2025 <br> Ready for Review-Please see attached. - Seller-04/29/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Missing housing payment history for the subject - Due Diligence Vendor-04/28/2025 | Ready for Review-Please see attached. - Seller-04/29/2025<br>| Resolved-Housing History was provided. VOM provided for subject property, 0 lates reported since XXXX. - Due Diligence Vendor-05/01/2025 | LTV is less than guideline maximum - 48.28% LTV; max 70% LTV<br>Qualifying FICO score is at least 20 points above minimum for program - FICO 756: minimum FICO 660 required<br>Long term residence - 11 years at current residence<br>DSCR % greater than 1.20 - DSCR 2.253<br>Months Reserves exceed minimum required - 62.72 months reserves; 6 months reserves required |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3978866 |
| XXXX | XXXX | 9125122 D A | Closed | FCRE7497 | 2025-04-25 15:57 | 2025-05-20 12:09 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received final settlement statement confirming property sold. - Due Diligence Vendor-05/20/2025 <br> Ready for Review-Document Uploaded. Supporting docs - Buyer-05/19/2025 <br> Counter-PITIA for 3b provided, Please provided PITIA for XXXX (XXXX) - Due Diligence Vendor-05/12/2025 <br> Ready for Review-Document Uploaded. Supporting Docs Uploaded - Buyer-05/08/2025 <br> Open-Missing verification that REO XXXX is an escrowed payment (used credit report payment) - Due Diligence Vendor-04/25/2025 |  | Resolved-Received final settlement statement confirming property sold. - Due Diligence Vendor-05/20/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 789 FICO, 660 required<br>LTV is less than guideline maximum - 51% LTV, program allows 80% |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3967820 |
| XXXX | XXXX | 9125122 D A | Closed | FCRE1152 | 2025-04-25 16:13 | 2025-04-30 15:01 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Calculation of taxes provided. - Due Diligence Vendor-04/30/2025 <br>Ready for Review-Document Uploaded. Property Tax - Buyer-04/30/2025 <br>Open-Missing Evidence of Property Tax Missing lender's calculation for property tax figure-tax cert and tax info sheet are lower than what was used to qualify. - Due Diligence Vendor-04/25/2025 |  | Resolved-Calculation of taxes provided. - Due Diligence Vendor-04/30/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 789 FICO, 660 required<br>LTV is less than guideline maximum - 51% LTV, program allows 80% |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3968120 |
| XXXX | XXXX | 9133898 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | XXXX | 9130224 C B A | Closed | FCRE5790 | 2025-04-28 10:05 | 2025-05-05 14:53 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-UDN provided dated XXXX - Due Diligence Vendor-05/05/2025 <br> Ready for Review-Document Uploaded. supporting docs - Buyer-05/05/2025 <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). - Due Diligence Vendor-04/28/2025 |  | Resolved-UDN provided dated XXXX - Due Diligence Vendor-05/05/2025 | Months Reserves exceed minimum required - Months reserves required is 12; qualifying reserves is 22.86 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 680; qualifying FICO is 785. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3978464 |
| XXXX | XXXX | 9130224 C B A | Closed | FCRE1193 | 2025-04-29 09:48 | 2025-05-05 12:04 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Client provided a waiver STR without lookback applied to non material finding with comp factors - Due Diligence Vendor-05/05/2025 <br>Ready for Review-Document Uploaded. EXCEPTION GRANTED - Buyer-05/02/2025 <br>Open-Audited DTI of 59.47% exceeds Guideline DTI of 50% - Short-term rental income for the subject property in a purchase transaction is not allowed and Form 1007 or 1025 cannot derive market rent based on short-term rental income. A two-year history is required and proof of current receipt of rental income being received is required....5.1.3 - Due Diligence Vendor-04/29/2025 |  | Waived-Client provided a waiver STR without lookback applied to non material finding with comp factors - Due Diligence Vendor-05/05/2025<br>| Months Reserves exceed minimum required - Months reserves required is 12; qualifying reserves is 22.86 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 680; qualifying FICO is 785. | Credit Score: 66 points above required 785>720; employment stability: 8 years verified; Reserves: 16 months verified. | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Investor Post-Close | No | 3991378 |
| XXXX | XXXX | 9134597 D A | Closed | FCRE1492 | 2025-04-29 12:46 | 2025-05-09 09:42 | Resolved | 1 - Information C A | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Resolved-Cash Out Meets Guideline Requirements - Due Diligence Vendor-05/09/2025 <br> Ready for Review-Document Uploaded. Supporting Doc Uploaded - Buyer-05/07/2025 <br> Counter-Received explanation borrower moved property from LLC to LLC-missing Warranty Deed and confirmation of borrowers ownership in XXXX-provide operating agreement reflecting borrowers ownership. - Due Diligence Vendor-05/06/2025 <br> Ready for Review-Document Uploaded. LOE - Buyer-05/05/2025 <br> Open-Cash Out Does Not Meet Guideline Requirements Delayed financing - lender to provide evidence of the final CD and evidence of assets used to purchase the home. - Due Diligence Vendor-04/29/2025 |  | Resolved-Cash Out Meets Guideline Requirements - Due Diligence Vendor-05/09/2025<br>| Months Reserves exceed minimum required - Minimum reserves are 3 months, borrower has 85.4 months<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 700, qualifying score is 728 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3994199 |
| XXXX | XXXX | 9134597 D A | Closed | FCRE0043 | 2025-04-28 20:18 | 2025-05-01 14:03 | Resolved | 1 - Information D A | Credit | Missing Doc | DSCR Calculation Missing | Resolved-DSCR Calculation received. - Due Diligence Vendor-05/01/2025 <br>Ready for Review-Document Uploaded. DSCR calc - Buyer-04/30/2025 <br>Open-The DSCR Calculation from lender is Missing. The DSCR Calculation worksheet is missing from the file. - Due Diligence Vendor-04/29/2025 |  | Resolved-DSCR Calculation received. - Due Diligence Vendor-05/01/2025<br>| Months Reserves exceed minimum required - Minimum reserves are 3 months, borrower has 85.4 months<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 700, qualifying score is 728 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3986921 |
| XXXX | XXXX | 9119078 D A | Closed | FCRE1342 | 2025-04-29 16:36 | 2025-05-14 12:50 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Business Bank Statements Missing | Resolved-Received missing business bank statements. - Due Diligence Vendor-05/14/2025 <br> Ready for Review-Document Uploaded. Please see attached, thank you - Buyer-05/13/2025 <br> Open----Missing statements for XXXX XXXX for XXXX and XXXX in order to calculate accurate income. - Due Diligence Vendor-04/29/2025 |  | Resolved-Received missing business bank statements. - Due Diligence Vendor-05/14/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 660; qualifying FICO is 758.<br>Months Reserves exceed minimum required - Months reserves required is 3; qualifying reserves is 38.26 months. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 3998087 |
| XXXX | XXXX | 9125159 C A | Closed | FCRE1483 | 2025-04-30 12:04 | 2025-05-12 13:45 | Resolved | 1 - Information C A | Credit | Assets | Asset 5 Does Not Meet Guideline Requirements | Resolved-Received final CD for cash out proceeds. - Due Diligence Vendor-05/12/2025 <br>Ready for Review-Document Uploaded. assets/CD - Buyer-05/09/2025 <br>Counter-Please provide document for the borrowed funds. - Due Diligence Vendor-05/02/2025 <br>Ready for Review-Document Uploaded. Supporting Docs Uploaded - Buyer-04/30/2025 <br>Open-Asset 5 Does Not Meet Guideline Requirements Proceeds form Secured loan - lender to provide evidence of the assets. None provided. - Due Diligence Vendor-04/30/2025 |  | Resolved-Received final CD for cash out proceeds. - Due Diligence Vendor-05/12/2025<br>| DSCR % greater than 1.20 - DSCR: 1.300 Min 1<br>Months Reserves exceed minimum required - Reserves: 19 Min 3 <br>Qualifying FICO score is at least 20 points above minimum for program - FICO: 757 Min 700 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 4005490 |
| XXXX | XXXX | 9125159 C A | Closed | FCRE6843 | 2025-04-30 11:03 | 2025-05-02 13:15 | Resolved | 1 - Information C A | Credit | Assets | Asset General | Resolved-Received additional assets. - Due Diligence Vendor-05/02/2025 <br>Ready for Review-Document Uploaded. Supporting Docs Uploaded - Buyer-04/30/2025 <br>Open-Missing documentation which evidences sufficient liquid funds to meet minimum closing cost requirements. - Due Diligence Vendor-04/30/2025 |  | Resolved-Received additional assets. - Due Diligence Vendor-05/02/2025<br>| DSCR % greater than 1.20 - DSCR: 1.300 Min 1<br>Months Reserves exceed minimum required - Reserves: 19 Min 3 <br>Qualifying FICO score is at least 20 points above minimum for program - FICO: 757 Min 700 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 4004021 |
| XXXX | XXXX | 9119053 C A | Closed | FCRE1492 | 2025-04-30 13:16 | 2025-05-20 15:20 | Resolved | 1 - Information C A | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Resolved-Deed transfer in XXXX was not a sale/purchase. Per deeds provided Borrower 2 was a guarantor/member of the entity that purchased the home in XXXX. Deed transfer from entity name to Borrower 1, borrower 2 and one other person occurred in XXXX. Fraud report reflects no purchase price and a property profile to show the transfer in XXXX had no sale price. Borrower 2 has owned the subject since XXXX. - Due Diligence Vendor-05/20/2025 <br> Ready for Review-Document Uploaded. Fraud report reflects no purchase price and I've attached a property profile to show the transfer in XXXX had no sale price, so there is no purchase/HUD or assets to document. Please advise - Buyer-05/20/2025 <br> Counter-Documentation is insufficient-original finding remains. Cash Out Does Not Meet Guideline Requirements Delayed financing. Home purchased XXXX < six months from funding. Evidence of the assets used to purchase the home and Final CD/HUD required. - Due Diligence Vendor-05/14/2025 <br> Ready for Review-Document Uploaded. Supporting docs - Buyer-05/13/2025 <br> Open-Cash Out Does Not Meet Guideline Requirements Delayed financing. Home purchased XXXX < six months from funding. Evidence of the assets used to purchase the home and Final CD/HUD required. - Due Diligence Vendor-04/30/2025 |  | Resolved-Deed transfer in XXXX was not a sale/purchase. Per deeds provided Borrower 2 was a guarantor/member of the entity that purchased the home in XXXX. Deed transfer from entity name to Borrower 1, borrower 2 and one other person occurred in XXXX. Fraud report reflects no purchase price and a property profile to show the transfer in XXXX had no sale price. Borrower 2 has owned the subject since XXXX. - Due Diligence Vendor-05/20/2025 | Qualifying DTI below maximum allowed - Qualifying DTI 32%; max permitted 50%.<br>LTV is less than guideline maximum - LTV 29%; max 80%. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4006546 |
| XXXX | XXXX | 9119053 C A | Closed | FCOM1265 | 2025-04-29 12:01 | 2025-05-12 11:21 | Resolved | 1 - Information C A | Compliance | Right to Rescind | Non-Borrower Title Holder Did Not Receive Right of Rescission Form | Resolved-Non-Borrower Title Holder Received Right of Rescission Form - Due Diligence Vendor-05/12/2025 <br>Ready for Review-Document Uploaded. Supporting Doc Uploaded - Buyer-05/09/2025 <br>Open-Non-Borrower Title Holder Did Not Receive Right of Rescission Form -----Non-Borrower Title Holder Did Not Receive Right of Rescission Form - Due Diligence Vendor-04/29/2025 |  | Resolved-Non-Borrower Title Holder Received Right of Rescission Form - Due Diligence Vendor-05/12/2025<br>| Qualifying DTI below maximum allowed - Qualifying DTI 32%; max permitted 50%.<br>LTV is less than guideline maximum - LTV 29%; max 80%. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3993628 |
| XXXX | XXXX | 9119061 C A | Closed | FCRE1254 | 2025-04-30 16:42 | 2025-05-12 12:37 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Grant deed provided. - Due Diligence Vendor-05/12/2025 <br> Ready for Review-Document Uploaded. Grant Deed Uploaded - Seller-05/09/2025 <br> Counter-Received sufficient business entity documentation. Please provide the Deed Transferring from the business to the borrower as an individual. (Please note, borrower is 50% owner of the business). - Due Diligence Vendor-05/09/2025 <br> Ready for Review-Document Uploaded. Supporting Doc Uploaded - Seller-05/07/2025 <br> Open-Property Title Issue Title currently held in XXXX need evidence the borrower owns the company and deed putting it in the borrower's name per supplement. - Due Diligence Vendor-04/30/2025 | Ready for Review-Document Uploaded. Grant Deed Uploaded - Seller-05/09/2025 <br>Ready for Review-Document Uploaded. Supporting Doc Uploaded - Seller-05/07/2025<br>| Resolved-Grant deed provided. - Due Diligence Vendor-05/12/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 70, qualifying score is 756<br>Months Reserves exceed minimum required - Minimum reserves are 6 months, Borrower has 60.84 months |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4009593 |
| XXXX | XXXX | 9119061 C A | Closed | FCRE0082 | 2025-04-30 16:42 | 2025-05-12 12:37 | Resolved | 1 - Information C A | Credit | Title | Vested Owner Signature Requirement Not met | Resolved-Grant deed provided. - Due Diligence Vendor-05/12/2025 <br>Ready for Review-Document Uploaded. Grant Deed Uploaded - Seller-05/09/2025 <br>Counter-Received sufficient business entity documentation. Please provide the Deed Transferring from the business to the borrower as an individual. (Please note, borrower is 50% owner of the business). - Due Diligence Vendor-05/09/2025 <br>Ready for Review-Document Uploaded. Supporting Doc Uploaded - Buyer-05/07/2025 <br>Counter-Documentation is insufficient-provide operating agreement reflecting borrowers percentage of ownership and copy of deed moving into borrowers name. finding remains. - Due Diligence Vendor-05/02/2025 <br>Ready for Review-Document Uploaded. supporting docs - Buyer-05/01/2025 <br>Open-Vested Owner Signature Requirement Not met. Title currently held in Joen Group Corp need evidence the borrower owns the company and deed putting it in the borrower's name per supplement. - Due Diligence Vendor-04/30/2025 | Ready for Review-Document Uploaded. Grant Deed Uploaded - Seller-05/09/2025<br>| Resolved-Grant deed provided. - Due Diligence Vendor-05/12/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 70, qualifying score is 756<br>Months Reserves exceed minimum required - Minimum reserves are 6 months, Borrower has 60.84 months |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4009594 |
| XXXX | XXXX | 9119061 C A | Closed | FCRE1510 | 2025-04-30 16:37 | 2025-05-02 14:18 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received security instrument inclusive of legal description. - Due Diligence Vendor-05/02/2025 <br>Ready for Review-Document Uploaded. dot - Buyer-05/01/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing legal - Due Diligence Vendor-04/30/2025 |  | Resolved-Received security instrument inclusive of legal description. - Due Diligence Vendor-05/02/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 70, qualifying score is 756<br>Months Reserves exceed minimum required - Minimum reserves are 6 months, Borrower has 60.84 months |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4009546 |
| XXXX | XXXX | 9130234 C A | Closed | FCRE6763 | 2025-05-01 17:05 | 2025-05-12 12:07 | Resolved | 1 - Information C A | Credit | Income/Employment | Income documentation does not meet guidelines | Resolved-Received New Jersey Division of Consumer Affairs. 100% owner. - Due Diligence Vendor-05/12/2025 <br>Ready for Review-Document Uploaded. see attached showing borrower is owner of business - Buyer-05/08/2025 <br>Counter-Documentation received insufficient-must verify percentage of ownership meeting guidelines 5.2.3. Finding remains. - Due Diligence Vendor-05/05/2025 <br>Ready for Review-Document Uploaded. verified business through state - Buyer-05/02/2025 <br>Open-PTIN tax preparer verified B1 business. Per guidelines PTIN preparers that work for a 3rd party firm may be permitted by exception only - Due Diligence Vendor-05/01/2025 |  | Resolved-Received New Jersey Division of Consumer Affairs. 100% owner. - Due Diligence Vendor-05/12/2025<br>| Months Reserves exceed minimum required - Min 3 months, actual 80.67 months<br>LTV is less than guideline maximum - Max 80%, actual 75%<br>Qualifying DTI below maximum allowed - Max 50%, actual 25.68% |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 4021465 |
| XXXX | XXXX | 9125134 C B A | Closed | FPRO1249 | 2025-05-01 10:41 | 2025-05-01 17:50 | Waived | 2 - Non-Material C B | Credit | Eligibility | Neighborhood Location Not Allowed for Program | Waived-Client exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-05/01/2025 <br>Open-Primary Value Valuation Neighborhood Location Not Allowed for Program Exception in file to allow an LTV not to exceed 80.000% for the subject mortgage secured by a second home in a rural setting. - Due Diligence Vendor-05/01/2025 |  | Waived-Client exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-05/01/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 772 FICO, 680 required<br>Months Reserves exceed minimum required - 28 months reserves documented, 3 months required | Outstanding Credit<br> Income <br> DTI less than 3%<br> Assets |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Second Home | Purchase | NA | Investor Post-Close | No | 4015014 |
| XXXX | XXXX | 9130230 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| XXXX | XXXX | 9146957 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 9146959 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 9081718 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | XXXX | 9146972 D A | Closed | FCOM1351 | 2025-05-08 15:43 | 2025-05-13 13:23 | Resolved | 1 - Information D A | Credit | Missing Doc | Guaranty Agreement Missing | Resolved-Received Guaranty from B2. - Due Diligence Vendor-05/13/2025 <br>Ready for Review-Document Uploaded. PERSONAL GUARANTY - Seller-05/12/2025 <br>Open-The Guaranty agreement provided by the co-borrower is signed as a member. Provided personal guaranty signed as an individual. - Due Diligence Vendor-05/08/2025 | Ready for Review-Document Uploaded. PERSONAL GUARANTY - Seller-05/12/2025<br>| Resolved-Received Guaranty from B2. - Due Diligence Vendor-05/13/2025<br>| Months Reserves exceed minimum required - Months reserves required is 3; qualifying reserves is 32.88 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 680; qualifying FICO is 775. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 4086245 |
| XXXX | XXXX | 9146972 D A | Closed | FCRE5782 | 2025-05-02 12:39 | 2025-05-06 14:04 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received UDM - Due Diligence Vendor-05/06/2025 <br>Ready for Review-Document Uploaded. supporting docs - Seller-05/05/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Gap Credit is missing and Fraud Report reflects monitoring not started. - Due Diligence Vendor-05/02/2025 | Ready for Review-Document Uploaded. supporting docs - Seller-05/05/2025<br>| Resolved-Received UDM - Due Diligence Vendor-05/06/2025<br>| Months Reserves exceed minimum required - Months reserves required is 3; qualifying reserves is 32.88 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 680; qualifying FICO is 775. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 4029295 |
| XXXX | XXXX | 9146972 D A | Closed | FCRE5783 | 2025-05-02 12:39 | 2025-05-06 14:04 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Received UDM - Due Diligence Vendor-05/06/2025 <br> Ready for Review-Document Uploaded. Refresh XXXX - Buyer-05/05/2025 <br> Open-Borrower 2 Gap Credit Report is Missing Gap Credit is missing and Fraud Report reflects monitoring not started. - Due Diligence Vendor-05/02/2025 |  | Resolved-Received UDM - Due Diligence Vendor-05/06/2025<br>| Months Reserves exceed minimum required - Months reserves required is 3; qualifying reserves is 32.88 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 680; qualifying FICO is 775. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 4029296 |
| XXXX | XXXX | 9146972 D A | Closed | FCRE1334 | 2025-05-02 16:27 | 2025-05-06 14:02 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Executed 4506-T/4506-C is Missing | Resolved-Received 4506C - Due Diligence Vendor-05/06/2025 <br>Ready for Review-Document Uploaded. supporting docs - Buyer-05/05/2025 <br>Open-Borrower 1 Executed 4506-T/4506-C is Missing missing 4506 - Due Diligence Vendor-05/02/2025 |  | Resolved-Received 4506C - Due Diligence Vendor-05/06/2025<br>| Months Reserves exceed minimum required - Months reserves required is 3; qualifying reserves is 32.88 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 680; qualifying FICO is 775. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 4032786 |
| XXXX | XXXX | 9111431 C A | Closed | FCRE8525 | 2025-05-02 19:18 | 2025-05-13 10:52 | Resolved | 1 - Information C A | Property | Appraisal | Two or more full valuation products not provided for loan amounts > $2 million | Resolved-Received 2nd appraisal - Due Diligence Vendor-05/09/2025 <br> Ready for Review-Document Uploaded. full appraisal by Erick - Buyer-05/08/2025 <br> Counter-Appraisal received is missing pages-provide complete appraisal completed by XXXX. - Due Diligence Vendor-05/07/2025 <br> Ready for Review-Document Uploaded. See attached, I am sending BOTH appraisals to ensure you do in fact have both. - Buyer-05/06/2025 <br> Open-Two or more full valuation products were not provided.' Only 1 full appraisal is in file. Missing a second full appraisal - Due Diligence Vendor-05/02/2025 |  | Resolved-Received 2nd appraisal - Due Diligence Vendor-05/09/2025<br>| Months Reserves exceed minimum required - 249 mths reserves; 9 mths required.<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 660, qualifying score is 737 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 4034302 |
| XXXX | XXXX | 9125116 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | XXXX | 9134590 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | XXXX | 9146943 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 9119060 D B A | Closed | finding-3634 | 2025-05-02 14:14 | 2025-05-13 09:42 | Cured | 2 - Non-Material C B | Compliance | TRID | Charges That Cannot Increase Test | Cured-Received LOE, proof of delivery, refund of XXXX, and XXXX. - Due Diligence Vendor-05/13/2025 <br> Ready for Review-Document Uploaded. Trid cure - Buyer-05/12/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is XXXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Zero (0%) tolerance fees increased by XXXX (Appraisal Fee) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $500, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 1 year- Expiration date is XXXX.<br> ----- Flood Certificate ($0.35) Rounding Issue - Due Diligence Vendor-05/02/2025 |  | Cured-Received LOE, proof of delivery, refund of XXXX, and PCCD XXXX. - Due Diligence Vendor-05/13/2025 | Months Reserves exceed minimum required - 42 months reserves documented, 9 months required<br>Qualifying FICO score is at least 20 points above minimum for program - 739 FICO, 660 required |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4030680 |
| XXXX | XXXX | 9119060 D B A | Closed | FCOM5135 | 2025-05-02 16:59 | 2025-05-12 10:30 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-Received attestation that lender did not use affiliates for transaction. - Due Diligence Vendor-05/12/2025 <br>Ready for Review-Document Uploaded. supporting docs - Buyer-05/09/2025 <br>Open-Required Affiliated Business Disclosure Missing Missing Affiliated Business disclosure, unable to test fee tolerance properly. Additional Findings may apply upon receipt. - Due Diligence Vendor-05/02/2025 |  | Resolved-Received attestation that lender did not use affiliates for transaction. - Due Diligence Vendor-05/12/2025<br>| Months Reserves exceed minimum required - 42 months reserves documented, 9 months required<br>Qualifying FICO score is at least 20 points above minimum for program - 739 FICO, 660 required |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4033188 |
| XXXX | XXXX | 9134578 D A | Closed | FCRE8257 | 2025-05-06 11:44 | 2025-05-12 13:07 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Prepayment Rider-Credit | Resolved-Received PPP addendum to the Note and PPP rider to the mortgage. - Due Diligence Vendor-05/12/2025 <br>Ready for Review-Document Uploaded. Supporting Doc Uploaded - Buyer-05/08/2025 <br>Open-Missing Prepayment Addendum to Note. Terms to be reviewed and confirmed upon receipt/review of missing document. - Due Diligence Vendor-05/06/2025 |  | Resolved-Received PPP addendum to the Note and PPP rider to the mortgage. - Due Diligence Vendor-05/12/2025<br>| LTV is less than guideline maximum - LTV: 75 Max 80<br>DSCR % greater than 1.20 - DSCR: 1.235 Min 1<br>Months Reserves exceed minimum required - Reserves: 153 Min 3 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 4057287 |
| XXXX | XXXX | 9146958 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 9081741 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 9134579 D A | Closed | FCOM1351 | 2025-05-06 17:47 | 2025-05-20 12:01 | Resolved | 1 - Information D A | Credit | Missing Doc | Guaranty Agreement Missing | Resolved-Received Guaranty Agreement signed as an individual. - Due Diligence Vendor-05/20/2025 <br>Ready for Review-Document Uploaded. supporting docs - Buyer-05/16/2025 <br>Open-The Subject Loan is a Business Purpose Loan but the Guaranty Agreement Doc is 'Partial'. Personal Guaranty is signed by LLC - Due Diligence Vendor-05/06/2025 |  | Resolved-Received Guaranty Agreement signed as an individual. - Due Diligence Vendor-05/20/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 796 FICO, 720 required<br>Months Reserves exceed minimum required - 26 months reserves documented, 3 months required |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 4063441 |
| XXXX | XXXX | 9134579 D A | Closed | FCRE0116 | 2025-05-06 14:07 | 2025-05-13 12:57 | Resolved | 1 - Information C A | Credit | Eligibility | Missing Warrantability Documentation | Resolved-Received verification of condo warranty type. - Due Diligence Vendor-05/13/2025 <br>Ready for Review-Document Uploaded. Supporting doc - Buyer-05/12/2025 <br>Open-Missing Warrantability Documentation. UW Attestation and/or documentation clearly stating whether the property is a warrantable or non-warrantable condo must be delivered with the file. - Due Diligence Vendor-05/06/2025 |  | Resolved-Received verification of condo warranty type. - Due Diligence Vendor-05/13/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 796 FICO, 720 required<br>Months Reserves exceed minimum required - 26 months reserves documented, 3 months required |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 4059822 |
| XXXX | XXXX | 9156973 D A | Closed | FCRE8702 | 2025-05-06 14:37 | 2025-05-19 12:34 | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Incomplete | Resolved-Received certificate of formation. - Due Diligence Vendor-05/19/2025 <br> Ready for Review-Document Uploaded. Certificate of Formation filing attached - Seller-05/16/2025 <br> Counter-Entity documents and good standing provided. Please provide the Articles of Incorporation - Due Diligence Vendor-05/14/2025 <br> Ready for Review-Document Uploaded. Cert of Good Standing (For XXXX Cert of Fact) attached.<br> - Buyer-05/09/2025 <br> Counter-Received Op Agreements and Member Cert-missing Articles of Incorp, Good Standing and EIN. - Due Diligence Vendor-05/08/2025 <br> Ready for Review-Document Uploaded. Entity docs - Seller-05/07/2025 <br> Open-The Business Entity Formation Document is incomplete When vesting in an entity, specifically an LLC, the guides require the following documentation, which is missing from the loan file:<br> - Certificate of Good Standing<br> - LLC Borrowing Certificate required when all members are not on the loan - Due Diligence Vendor-05/06/2025 | Ready for Review-Document Uploaded. Certificate of Formation filing attached - Seller-05/16/2025 <br>Ready for Review-Document Uploaded. Entity docs - Seller-05/07/2025<br>| Resolved-Received certificate of formation. - Due Diligence Vendor-05/19/2025<br>| Months Reserves exceed minimum required - Minimum reserves are 3 months, Borrower has 12.03 months<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 700, qualifying score is 751 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4060370 |
| XXXX | XXXX | 9156973 D A | Closed | FCRE8700 | 2025-05-07 07:21 | 2025-05-19 12:34 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Missing EIN Number for Business Entity | Resolved-Received EIN - Due Diligence Vendor-05/13/2025 <br>Ready for Review-Document Uploaded. IRS EIN letter attached<br> - Buyer-05/09/2025 <br>Open- - Due Diligence Vendor-05/07/2025 |  | Resolved-Received EIN - Due Diligence Vendor-05/13/2025<br>| Months Reserves exceed minimum required - Minimum reserves are 3 months, Borrower has 12.03 months<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 700, qualifying score is 751 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4066567 |
| XXXX | XXXX | 9156973 D A | Closed | FCRE0043 | 2025-05-06 15:35 | 2025-05-08 12:27 | Resolved | 1 - Information D A | Credit | Missing Doc | DSCR Calculation Missing | Resolved-Received DSCR calculation. - Due Diligence Vendor-05/08/2025 <br>Ready for Review-Document Uploaded. supporting docs - Buyer-05/07/2025 <br>Open-The DSCR Calculation from lender is Missing. The DSCR Calculation worksheet is missing from the file - Due Diligence Vendor-05/06/2025 |  | Resolved-Received DSCR calculation. - Due Diligence Vendor-05/08/2025<br>| Months Reserves exceed minimum required - Minimum reserves are 3 months, Borrower has 12.03 months<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 700, qualifying score is 751 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4061444 |
| XXXX | XXXX | 9133895 D A | Closed | FCRE1510 | 2025-05-07 08:35 | 2025-05-15 15:32 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Mortgage dated XXXX. Signed and Notarized XXXX - Due Diligence Vendor-05/15/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-05/13/2025 <br> Counter-Please provide the Mortgage dated XXXX signed and notarized. - Due Diligence Vendor-05/09/2025 <br> Ready for Review-That is correct; the loan was initially signed on XXXX; however, there were issues with the file and the loan was re-drawn and signed on XXXX. The first set of Docs were not finalized or recorded. - Seller-05/08/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Mortgage in the file dated XXXX - Two notes in the file signed and dated XXXX and XXXX - Due Diligence Vendor-05/07/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-05/13/2025 <br> Ready for Review-That is correct; the loan was initially signed on XXXX; however, there were issues with the file and the loan was re-drawn and signed on XXXX. The first set of Docs were not finalized or recorded. - Seller-05/08/2025 | Resolved-Received Mortgage dated XXXX. Signed and Notarized XXXX - Due Diligence Vendor-05/15/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680- Borrower's FICO 744<br>Months Reserves exceed minimum required - 0 mths reserves required- Borrower's reserves 94.81 months |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4067239 |
| XXXX | XXXX | 9133895 D A | Closed | FCRE8611 | 2025-05-07 08:42 | 2025-05-15 15:30 | Resolved | 1 - Information C A | Credit | Income/Employment | Income/Employment General | Resolved-Upon further review, Cheese Cake Overlays do not apply to the XXXX Program. Two months rent receipt is not required. - Due Diligence Vendor-05/15/2025 <br> Ready for Review-We respectfully disagree. XXXX DSCR guidelines section 3.3 does not reference the guidelines being stated below. - Seller-05/13/2025 <br> Counter-Per the guidelines Actual Rents can be used in place of Market Rents with lease agreement showing ≥6 months remaining on lease and evidence of receipt of 3 most recent months' rent - Due Diligence Vendor-05/09/2025 <br> Ready for Review-We respectfully disagree. Pursuant to DSCR guidelines, evidence of receipt of rental income is only required in the event the lease is greater than 20% of the market rents. According to the appraisal, the marker rents are listed at XXXX and the subject rent is XXXX, which is not greater than 20%. - Seller-05/07/2025 <br> Open-Missing evidence of receipt of the rental income. Lease is higher than the market rent, two months receipt required. - Due Diligence Vendor-05/07/2025 | Ready for Review-We respectfully disagree. XXXX DSCR guidelines section 3.3 does not reference the guidelines being stated below. - Seller-05/13/2025 <br> Ready for Review-We respectfully disagree. Pursuant to DSCR guidelines, evidence of receipt of rental income is only required in the event the lease is greater than 20% of the market rents. According to the appraisal, the marker rents are listed at XXXX and the subject rent is XXXX, which is not greater than 20%. - Seller-05/07/2025 | Resolved-Upon further review, Cheese Cake Overlays do not apply to the XXXX Program. Two months rent receipt is not required. - Due Diligence Vendor-05/15/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680- Borrower's FICO 744<br>Months Reserves exceed minimum required - 0 mths reserves required- Borrower's reserves 94.81 months |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4067335 |
| XXXX | XXXX | 9133895 D A | Closed | FCRE1509 | 2025-05-07 08:51 | 2025-05-09 15:59 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Note Document | Resolved-Received confirmation document were re-drawn. XXXX document were not recorded. - Due Diligence Vendor-05/09/2025 <br> Ready for Review-That is correct; the loan was initially signed on XXXX; however, there were issues with the file and the loan was re-drawn and signed on XXXX. The first set of Docs were not finalized or recorded. - Seller-05/08/2025 <br> Open-Mortgage in the file dated XXXX - Two notes in the file signed and dated XXXX and XXXX - Due Diligence Vendor-05/07/2025 | Ready for Review-That is correct; the loan was initially signed on XXXX; however, there were issues with the file and the loan was re-drawn and signed on XXXX. The first set of Docs were not finalized or recorded. - Seller-05/08/2025 | Resolved-Received confirmation document were re-drawn. XXXX document were not recorded. - Due Diligence Vendor-05/09/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680- Borrower's FICO 744<br>Months Reserves exceed minimum required - 0 mths reserves required- Borrower's reserves 94.81 months |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4067433 |
| XXXX | XXXX | 9133895 D A | Closed | FCRE8887 | 2025-05-07 08:52 | 2025-05-09 15:59 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing or Incomplete 1003 | Resolved-Received confirmation document were re-drawn. XXXX document were not recorded. - Due Diligence Vendor-05/09/2025 <br> Ready for Review-That is correct; the loan was initially signed on XXXX; however, there were issues with the file and the loan was re-drawn and signed on XXXX. The first set of Docs were not finalized or recorded. - Seller-05/08/2025 <br> Open-Mortgage in the file dated XXXX - Two notes in the file signed and dated XXXX and XXXX - Due Diligence Vendor-05/07/2025 | Ready for Review-That is correct; the loan was initially signed on XXXX; however, there were issues with the file and the loan was re-drawn and signed on XXXX. The first set of Docs were not finalized or recorded. - Seller-05/08/2025 | Resolved-Received confirmation document were re-drawn. XXXX document were not recorded. - Due Diligence Vendor-05/09/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680- Borrower's FICO 744<br>Months Reserves exceed minimum required - 0 mths reserves required- Borrower's reserves 94.81 months |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4067439 |
| XXXX | XXXX | 9100932 D A | Closed | FCRE1201 | 2025-05-06 19:57 | 2025-05-09 13:27 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received fraud report. - Due Diligence Vendor-05/09/2025 <br>Ready for Review-Document Uploaded. supporting docs - Buyer-05/08/2025 <br>Open-Missing Third Party Fraud Report The Fraud report is missing from the file - Due Diligence Vendor-05/06/2025 |  | Resolved-Received fraud report. - Due Diligence Vendor-05/09/2025<br>| Months Reserves exceed minimum required - 19.77 mths reserves; 3 mths required.<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 700, qualifying score is 735 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4064139 |
| XXXX | XXXX | 9130207 C A | Closed | FCRE0082 | 2025-05-06 22:31 | 2025-05-12 12:50 | Resolved | 1 - Information C A | Credit | Title | Vested Owner Signature Requirement Not met | Resolved-Received business documentation. 100% owner. - Due Diligence Vendor-05/12/2025 <br>Ready for Review-Document Uploaded. Supporting Doc Uploaded - Buyer-05/08/2025 <br>Open-Vested Owner Signature Requirement Not met. The loan file is missing LLC documentation for the vested entity on title as well as a copy the deed. Audit is unable to verify that all owners of the LLC met the signature requirements for the refinance. - Due Diligence Vendor-05/07/2025 |  | Resolved-Received business documentation. 100% owner. - Due Diligence Vendor-05/12/2025<br>| LTV is less than guideline maximum - 65% LTV ratio, 75% maximum LTV allowed.<br>DSCR % greater than 1.20 - DSCR % is 1.254 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4064793 |
| XXXX | XXXX | 9130207 C A | Closed | FCRE0112 | 2025-05-06 22:56 | 2025-05-12 12:49 | Resolved | 1 - Information C A | Credit | Eligibility | Approval/Underwriting Summary Not Provided_3 | Resolved-Received 1008 - Due Diligence Vendor-05/12/2025 <br> Ready for Review-Document Uploaded. Supporting Doc Uploaded - Buyer-05/08/2025 <br> Open-Approval/Underwriting Summary Not Provided. Loan file is missing a 1008 and/or loan approval. It should be noted the lock confirmation, dated XXXX provided loan information how the loan closed. However, the lock confirmation is not a an underwriting summary (1008) or a loan approval. - Due Diligence Vendor-05/07/2025 |  | Resolved-Received 1008 - Due Diligence Vendor-05/12/2025<br>| LTV is less than guideline maximum - 65% LTV ratio, 75% maximum LTV allowed.<br>DSCR % greater than 1.20 - DSCR % is 1.254 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4064819 |
| XXXX | XXXX | 9130207 C A | Closed | FCRE8701 | 2025-05-06 22:23 | 2025-05-12 12:47 | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Missing | Resolved-Received Business Entity Documentation. - Due Diligence Vendor-05/12/2025 <br> Ready for Review-Document Uploaded. Supporting Doc Uploaded - Buyer-05/08/2025 <br> Open-The Business Entity Formation Document is Missing When vesting in an entity, specifically an LLC, the guides require the following documentation:<br> o Entity Articles of Organization, Partnership, and Operating Agreements as required.<br> o Tax Identification Number (Employer Identification Number – EIN). In any case where a sole<br> proprietor is using SSN in lieu of EIN, provide UW cert or supporting documentation to confirm.<br> o Certificate of Good Standing<br> o Certificate of Authorization for the person executing all documents on behalf of the Entity<br> o LLC Borrowing Certificate required when all members are not on the loan.<br> The loan file contains a print screen of business filing details for the borrower's LLC vested on title, showing the LLC was "Active/In Good Standing." However, all the other required documentation above was missing. Additional conditions may apply. - Due Diligence Vendor-05/07/2025 |  | Resolved-Received Business Entity Documentation. - Due Diligence Vendor-05/12/2025<br>| LTV is less than guideline maximum - 65% LTV ratio, 75% maximum LTV allowed.<br>DSCR % greater than 1.20 - DSCR % is 1.254 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4064785 |
| XXXX | XXXX | 9146929 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 9134568 C B A | Closed | FCRE8201 | 2025-05-07 11:05 | 2025-05-14 10:01 | Resolved | 1 - Information C A | Credit | Eligibility | Loan does not conform to program guidelines | Resolved-Full payoff with close out letter provided. - Due Diligence Vendor-05/14/2025 <br> Ready for Review-Document Uploaded. close out letter with signature page - Buyer-05/13/2025 <br> Counter-Payoff statement provided. Please provide documentation to support the account has been closed. - Due Diligence Vendor-05/12/2025 <br> Ready for Review-Document Uploaded. cenlar close out - Buyer-05/09/2025 <br> Open-Missing Close Letter for the HELOC for XXXX. - Due Diligence Vendor-05/07/2025 |  | Resolved-Full payoff with close out letter provided. - Due Diligence Vendor-05/14/2025<br>| Months Reserves exceed minimum required - The Borrower has 55.17 months in reserves.<br>Qualifying FICO score is at least 20 points above minimum for program - The Borrowers FICO score is 715; guideline minimum is 660. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4069373 |
| XXXX | XXXX | 9134568 C B A | Closed | FCRE1324 | 2025-05-07 09:57 | 2025-05-12 13:59 | Resolved | 1 - Information C A | Credit | Income/Employment | Borrower 1 Tax Returns Not Signed | Resolved-Upon further review, transcripts were located in the loan file. - Due Diligence Vendor-05/12/2025 <br> Ready for Review-Per XXXX guidelines: Each tax return must be signed by the borrower unless one of the following signature alternatives has been obtained:<br> o documentation confirming that the tax returns were filed electronically,<br> o a completed IRS Form 4506–C (signed by the borrower) for the year in question, or<br> o IRS transcripts that validate the tax return. - Buyer-05/09/2025 <br> Open-Borrower 1 Tax Returns Not Signed 1040 2023 and 2022 not signed; TS in file. - Due Diligence Vendor-05/07/2025 |  | Resolved-Upon further review, transcripts were located in the loan file. - Due Diligence Vendor-05/12/2025<br>| Months Reserves exceed minimum required - The Borrower has 55.17 months in reserves.<br>Qualifying FICO score is at least 20 points above minimum for program - The Borrowers FICO score is 715; guideline minimum is 660. |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4068369 |
| XXXX | XXXX | 9134568 C B A | Closed | FCOM5135 | 2025-05-06 12:43 | 2025-05-06 12:43 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-05/06/2025 |  | Waived-Required Affiliated Business Disclosure Missing -----Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-05/06/2025<br>| Months Reserves exceed minimum required - The Borrower has 55.17 months in reserves.<br>Qualifying FICO score is at least 20 points above minimum for program - The Borrowers FICO score is 715; guideline minimum is 660. |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | 4058254 |
| XXXX | XXXX | 9125155 C A | Closed | FCRE1304 | 2025-05-07 13:57 | 2025-05-13 10:54 | Resolved | 1 - Information C A | Credit | Income/Employment | Income 1 Income Trend is Decreasing | Resolved-LOX provided for the declining income. Averaged over 24 months to be conservative. - Due Diligence Vendor-05/13/2025 <br> Open-Income 1 Income Trend is Decreasing The loan file is missing an underwriter certification/attestation of why the decrease was deemed acceptable. Additional conditions may apply. - Due Diligence Vendor-05/13/2025 <br> Ready for Review-Document Uploaded. XXXX UW LOE - Buyer-05/13/2025 |  | Resolved-LOX provided for the declining income. Averaged over 24 months to be conservative. - Due Diligence Vendor-05/13/2025<br>| Residual Income =/> 1.5 times $3,500 monthly residual income - Borrower has $12,624.46 in monthly residual income, the minimum residual income required is $1,500.<br>Qualifying DTI below maximum allowed - 42.89% DTI ratio, 50% maximum allowed. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 4072274 |
| XXXX | XXXX | 9130222 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 9130236 D A | Closed | FPRO1253 | 2025-05-08 07:41 | 2025-05-13 14:07 | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Received secondary valuation. - Due Diligence Vendor-05/13/2025 <br> Ready for Review-Document Uploaded. SSR is 2.5 - Buyer-05/12/2025 <br> Open-Additional valuation product has not been provided. Missing acceptable secondary valuation product (the XXXX SSR on file is not acceptable) - Due Diligence Vendor-05/08/2025 |  | Resolved-Received secondary valuation. - Due Diligence Vendor-05/13/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min 700, actual 793<br>Months Reserves exceed minimum required - Min 3 months, actual 106.25 months<br>LTV is less than guideline maximum - Max 75%, actual 68.75% |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4079332 |
| XXXX | XXXX | 9125177 C A | Closed | FCRE8701 | 2025-05-07 14:42 | 2025-05-09 11:59 | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Missing | Resolved-Received all business entity documentation. - Due Diligence Vendor-05/09/2025 <br>Ready for Review-Document Uploaded. Supporting docs - Buyer-05/08/2025 <br>Open-The Business Entity Formation Document is Missing - Due Diligence Vendor-05/07/2025 |  | Resolved-Received all business entity documentation. - Due Diligence Vendor-05/09/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying credit score 723; minimum required 700.<br>Months Reserves exceed minimum required - 14 months PITIA reserves; 3 months reserves required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4073144 |
| XXXX | XXXX | 9130229 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 9130218 D A | Closed | FCRE0043 | 2025-05-08 09:22 | 2025-05-12 11:44 | Resolved | 1 - Information D A | Credit | Missing Doc | DSCR Calculation Missing | Resolved-DSCR calc provided. - Due Diligence Vendor-05/12/2025 <br>Ready for Review-Document Uploaded. UW CTC'd this loan with the same PITIA as the DSCR worksheet provided, which is much lower than clarifi calculated DSCR ratio --can this condition be waived - Buyer-05/12/2025 <br>Counter-Provide corrected DSCR-re taxes and HOI monthly figures differ on DSCR worksheet received. - Due Diligence Vendor-05/09/2025 <br>Ready for Review-Document Uploaded. Supporting docs - Buyer-05/08/2025 <br>Open-The DSCR Calculation from lender is Missing. Missing DSCR Calculation Sheet. - Due Diligence Vendor-05/08/2025 |  | Resolved-DSCR calc provided. - Due Diligence Vendor-05/12/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - The Borrowers FICO score is 723; guideline minimum is 700.<br>Months Reserves exceed minimum required - The Borrower has 24.37 months in reserves. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 4080146 |
| XXXX | XXXX | 9130218 D A | Closed | FCOM1221 | 2025-05-08 09:34 | 2025-05-09 12:02 | Resolved | 1 - Information C A | Credit | Closing | The Deed of Trust is Incomplete | Resolved-Received complete security instrument inclusive of legal description.<br> - Due Diligence Vendor-05/09/2025 <br>Ready for Review-Document Uploaded. MORTGAGE WITH LEGAL - Buyer-05/08/2025 <br>Open-The Deed of Trust is Incomplete Missing Legal Description for the Subject Property. - Due Diligence Vendor-05/08/2025 |  | Resolved-Received complete security instrument inclusive of legal description.<br> - Due Diligence Vendor-05/09/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - The Borrowers FICO score is 723; guideline minimum is 700.<br>Months Reserves exceed minimum required - The Borrower has 24.37 months in reserves. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 4080311 |
| XXXX | XXXX | 9146941 D A | Closed | FCRE8702 | 2025-05-08 10:29 | 2025-05-28 09:27 | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Incomplete | Resolved-Confirmed borrower is sole owner and uses his social security number. - Due Diligence Vendor-05/23/2025 <br> Ready for Review-Document Uploaded. Sole member if no EIN and using social security. UW note Social Security Number on 1008- see 1008 attached - Seller-05/23/2025 <br> Counter-Received UW Memo-document does not confirm no EIN. Please provide amended confirming no EIN and use of Social for business entity. - Due Diligence Vendor-05/19/2025 <br> Ready for Review-Document Uploaded. UW Memo - Buyer-05/16/2025 <br> Counter-Documentation is insufficient-provide copy of EIN from IRS-as sole member if no EIN and using social security UW note required. Acceptable on 1008 or pdf. - Due Diligence Vendor-05/15/2025 <br> Ready for Review-Document Uploaded. See CPA letter in which CPA has verified the borrower's LLC XXXX - Buyer-05/14/2025 <br> Open-The Business Entity Formation Document is incomplete Missing EIN - Due Diligence Vendor-05/08/2025 | Ready for Review-Document Uploaded. Sole member if no EIN and using social security. UW note Social Security Number on 1008- see 1008 attached - Seller-05/23/2025<br>| Resolved-Confirmed borrower is sole owner and uses his social security number. - Due Diligence Vendor-05/23/2025<br>| Qualifying DTI below maximum allowed - Qualifying DTI 12.53% below maximum allowed 50%<br>Qualifying FICO score is at least 20 points above minimum for program - 797 qualifying FICO score, 700 minimum score required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4081091 |
| XXXX | XXXX | 9146941 D A | Closed | FCRE6737 | 2025-05-07 19:19 | 2025-05-23 16:16 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Letter of Explanation (Income) | Resolved-After further review, the wires are all consistent and in line with the Clients home builder business & are not documented from other accounts within the client's portfolio. - Due Diligence Vendor-05/23/2025 <br>Ready for Review-Document Uploaded. REBUTTAL: Guideline 5.1.2 Business bank accounts - Wire transfers from<br> other accounts must be either documented or excluded from the<br> income/deposit calculation. Cash is not an acceptable deposit source.<br> We do not need to source wire transfers when they are in line for the<br> borrower's business. Wire transfers from other accounts must be either<br> documented or excluded from the income/deposit calculations, which<br> these are not since wire transfers do not identify another account, it just<br> says incoming wire and nothing else, including does not identify another<br> account number being referenced.<br> - Buyer-05/20/2025 <br>Open-Per guides, deposits in the form of transfers from other accounts are generally excluded as qualifying deposits unless it is a wire transfer from another company for services rendered. The loan file is missing evidence that the incoming wire transfers used to qualify on all 12 business bank statements are business related. None of the transfers indicate a business name. - Due Diligence Vendor-05/07/2025 |  | Resolved-After further review, the wires are all consistent and in line with the Clients home builder business & are not documented from other accounts within the client's portfolio. - Due Diligence Vendor-05/23/2025<br>| Qualifying DTI below maximum allowed - Qualifying DTI 12.53% below maximum allowed 50%<br>Qualifying FICO score is at least 20 points above minimum for program - 797 qualifying FICO score, 700 minimum score required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4076790 |
| XXXX | XXXX | 9146941 D A | Closed | FCRE1492 | 2025-05-07 18:48 | 2025-05-15 12:08 | Resolved | 1 - Information C A | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Resolved-Upon further review, the loan file contained all required title vesting documentation. - Due Diligence Vendor-05/15/2025 <br> Ready for Review-Document Uploaded. Rebuttal: Borrower was on title XXXX before application date. <br> Borrower put in his company name at COE for title purposes - Vested in: XXXX and XXXX received title by quit claim XXXX, Prior XXXX on title XXXX, then Sched B Requirements: XXXX, then XXXX. Note XXXX signed XXXX- CEO - Buyer-05/14/2025 <br> Open-Cash Out Does Not Meet Guideline Requirements For cash-out refinances, at least one borrower on the new loan must be an owner (on title) of the subject property at the time of loan application. Preliminary title report and quit claim deed in file reflect the borrower took ownership of the subject property on XXXX two days after the application date of XXXX , via a quit claim deed, does not meet guidelines for cash out. No evidence of inheritance or divorce. - Due Diligence Vendor-05/07/2025 |  | Resolved-Upon further review, the loan file contained all required title vesting documentation. - Due Diligence Vendor-05/15/2025<br>| Qualifying DTI below maximum allowed - Qualifying DTI 12.53% below maximum allowed 50%<br>Qualifying FICO score is at least 20 points above minimum for program - 797 qualifying FICO score, 700 minimum score required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4076586 |
| XXXX | XXXX | 9134586 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | XXXX | 9134592 D A | Closed | FCRE0043 | 2025-05-07 22:31 | 2025-05-12 14:53 | Resolved | 1 - Information D A | Credit | Missing Doc | DSCR Calculation Missing | Resolved-Received DSCR calculation. - Due Diligence Vendor-05/12/2025 <br>Ready for Review-Document Uploaded. DSCR calculator - Buyer-05/09/2025 <br>Open-The DSCR Calculation from lender is Missing. The DSCR Calculation worksheet is missing - Due Diligence Vendor-05/08/2025 |  | Resolved-Received DSCR calculation. - Due Diligence Vendor-05/12/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 700, qualifying score is 766<br>DSCR % greater than 1.20 - qualifying DSCR is 1.587 |  | XXXX | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4077371 |
| XXXX | XXXX | 9134591 D A | Closed | FCRE7497 | 2025-05-08 15:14 | 2025-05-13 13:46 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received Statement and HOA verification. - Due Diligence Vendor-05/13/2025 <br> Ready for Review-Document Uploaded. Supporting docs - Buyer-05/09/2025 <br> Open-Missing the Mortgage Statement WFBNA for XXXX. - Due Diligence Vendor-05/08/2025 |  | Resolved-Received Statement and HOA verification. - Due Diligence Vendor-05/13/2025<br>| Months Reserves exceed minimum required - 43.32 mths reserves; 3 mths required.<br>Qualifying FICO score is at least 20 points above minimum for program - The Borrowers Credit score is 716; guideline minimum is 660. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4085750 |
| XXXX | XXXX | 9134591 D A | Closed | FCRE8701 | 2025-05-08 13:10 | 2025-05-13 13:45 | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Missing | Resolved-Received EIN. - Due Diligence Vendor-05/13/2025 <br> Ready for Review-Document Uploaded. supporting docs - Buyer-05/09/2025 <br> Open-The Business Entity Formation Document is Missing Missing The EIN number for XXXX. - Due Diligence Vendor-05/08/2025 |  | Resolved-Received EIN. - Due Diligence Vendor-05/13/2025<br>| Months Reserves exceed minimum required - 43.32 mths reserves; 3 mths required.<br>Qualifying FICO score is at least 20 points above minimum for program - The Borrowers Credit score is 716; guideline minimum is 660. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4083698 |
| XXXX | XXXX | 9134576 C A | Closed | FCRE1198 | 2025-05-09 10:42 | 2025-05-15 11:26 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Upon further review, the loan file contained all required asset documentation. - Due Diligence Vendor-05/15/2025 <br> Ready for Review-Document Uploaded. Assets total XXXX. 25 Months of Reserves present. - Buyer-05/14/2025 <br> Open-Audited Reserves of 8.73 month(s) are less than Guideline Required Reserves of 12 month(s) First time investor requires 12 months reserves - Due Diligence Vendor-05/09/2025 |  | Resolved-Upon further review, the loan file contained all required asset documentation. - Due Diligence Vendor-05/15/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 732 FICO, 680 required<br>LTV is less than guideline maximum - 75% LTV, program allows 80% |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 4094115 |
| XXXX | XXXX | 9134558 D A | Closed | FCRE8701 | 2025-05-09 10:07 | 2025-05-13 13:16 | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Missing | Resolved-Received EIN - Due Diligence Vendor-05/13/2025 <br>Ready for Review-Document Uploaded. supporting docs - Buyer-05/12/2025 <br>Open-The Business Entity Formation Document is Missing Missing EIN Number. - Due Diligence Vendor-05/09/2025 |  | Resolved-Received EIN - Due Diligence Vendor-05/13/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - The Borrowers FICO score is 716; guideline minimum is 660.<br>Months Reserves exceed minimum required - 28 mths reserves; 3 mths required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4093465 |
| XXXX | XXXX | 9134558 D A | Closed | FCRE7497 | 2025-05-09 11:04 | 2025-05-13 13:13 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received PITIA. - Due Diligence Vendor-05/13/2025 <br> Ready for Review-Document Uploaded. supporting docs - Buyer-05/12/2025 <br> Open-Missing the Mortgage Statement XXXX for XXXX. - Due Diligence Vendor-05/09/2025 |  | Resolved-Received PITIA. - Due Diligence Vendor-05/13/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - The Borrowers FICO score is 716; guideline minimum is 660.<br>Months Reserves exceed minimum required - 28 mths reserves; 3 mths required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4094510 |
| XXXX | XXXX | 9134558 D A | Closed | FCRE1510 | 2025-05-07 14:59 | 2025-05-13 13:09 | 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.<br> - Due Diligence Vendor-05/13/2025 <br>Ready for Review-Document Uploaded. Supporting docs - Buyer-05/12/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. missing legal - Due Diligence Vendor-05/07/2025 |  | Resolved-Received complete security instrument inclusive of legal description.<br> - Due Diligence Vendor-05/13/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - The Borrowers FICO score is 716; guideline minimum is 660.<br>Months Reserves exceed minimum required - 28 mths reserves; 3 mths required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4073560 |
| XXXX | XXXX | 9134554 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 9134594 C A | Closed | FCRE1510 | 2025-05-08 10:22 | 2025-05-16 11:10 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Record Mortgage w/Legal Description. - Due Diligence Vendor-05/16/2025 <br>Ready for Review-Document Uploaded. Mortgage recorded with legal description.<br> - Buyer-05/14/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. -----Missing Legal Description - Due Diligence Vendor-05/08/2025 |  | Resolved-Received Record Mortgage w/Legal Description. - Due Diligence Vendor-05/16/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 774 FICO, 680 required<br>Months Reserves exceed minimum required - 37 months reserves documented, 6 months required |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 4080998 |
| XXXX | XXXX | 9134594 C A | Closed | FCRE1193 | 2025-05-09 17:36 | 2025-05-16 11:05 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Upon further review, the loan file contained sufficient documentation to support the consumer debt was paid at close. Audited DTI of 48.32% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-05/16/2025 <br> Ready for Review-Document Uploaded. XXXX auto loan was paid off on the CD at closing<br> - Seller-05/14/2025 <br> Counter-Audited DTI of 50.66% exceeds Guideline DTI of 50% - Reviewed DTI - XXXX total combined income. XXXX PITIA and XXXX in other debt, which includes the co-signers primary residences. It appears we are missing the documentation to support the exclusion of the XXXX Auto payment. - Due Diligence Vendor-05/14/2025 <br> Ready for Review-Document Uploaded. Pension and screenshot to show XXXX distribution which YTD supports - Buyer-05/13/2025 <br> Open-Audited DTI of 51.82% exceeds Guideline DTI of 50% Missing source and documentation of B1 other income listed on 1003 of XXXX - Due Diligence Vendor-05/09/2025 | Ready for Review-Document Uploaded. XXXX auto loan was paid off on the CD at closing<br> - Seller-05/14/2025 | Resolved-Upon further review, the loan file contained sufficient documentation to support the consumer debt was paid at close. Audited DTI of 48.32% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-05/16/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 774 FICO, 680 required<br>Months Reserves exceed minimum required - 37 months reserves documented, 6 months required |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 4101507 |
| XXXX | XXXX | 9134594 C A | Closed | FCRE1506 | 2025-05-09 17:32 | 2025-05-16 11:05 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Upon further review, the loan file contained sufficient documentation to support the consumer debt was paid at close. - Due Diligence Vendor-05/16/2025 <br> Ready for Review-Document Uploaded. XXXX auto loan was paid off on the CD at closing<br> - Seller-05/14/2025 <br> Counter-Audited DTI of 50.66% exceeds Guideline DTI of 50% - Reviewed DTI - XXXX total combined income. XXXX PITIA and XXXX in other debt, which includes the co-signers primary residences. It appears we are missing the documentation to support the exclusion of the JPMCB Auto payment. - Due Diligence Vendor-05/14/2025 <br> Ready for Review-Document Uploaded. Document Uploaded. Pension and screenshot to show XXXX distribution which YTD supports - Buyer-05/13/2025 <br> Ready for Review-Document Uploaded. Pension and screenshot to show XXXX distribution which YTD supports - Seller-05/13/2025 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. DTI exceeds guideline limit, B1 1003 shows additional income of XXXX that was not documented. - Due Diligence Vendor-05/09/2025 | Ready for Review-Document Uploaded. XXXXauto loan was paid off on the CD at closing<br> - Seller-05/14/2025 <br> Ready for Review-Document Uploaded. Pension and screenshot to show XXXX distribution which YTD supports - Seller-05/13/2025 | Resolved-Upon further review, the loan file contained sufficient documentation to support the consumer debt was paid at close. - Due Diligence Vendor-05/16/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 774 FICO, 680 required<br>Months Reserves exceed minimum required - 37 months reserves documented, 6 months required |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 4101467 |
| XXXX | XXXX | 9134594 C A | Closed | FCRE1151 | 2025-05-09 16:31 | 2025-05-14 13:00 | Resolved | 1 - Information C A | Credit | Title | Satisfactory Chain of Title not Provided | Resolved-Received Satisfactory Chain of Title - Due Diligence Vendor-05/14/2025 <br>Ready for Review-Document Uploaded. supporting docs - Buyer-05/13/2025 <br>Open-Unsatisfactory Chain of Title provided. Missing 24 month chain of title - Due Diligence Vendor-05/09/2025 |  | Resolved-Received Satisfactory Chain of Title - Due Diligence Vendor-05/14/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 774 FICO, 680 required<br>Months Reserves exceed minimum required - 37 months reserves documented, 6 months required |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 4100587 |
| XXXX | XXXX | 9134598 D A | Closed | FCRE0043 | 2025-05-12 12:29 | 2025-05-14 13:18 | Resolved | 1 - Information D A | Credit | Missing Doc | DSCR Calculation Missing | Resolved-Received DSCR Calculation. - Due Diligence Vendor-05/14/2025 <br> Ready for Review-Document Uploaded. 1008 WITH DSCR CALC - Buyer-05/13/2025 <br> Open-The DSCR Calculation from lender is Missing. Missing DSCR Calculation from lender. - Due Diligence Vendor-05/12/2025 |  | Resolved-Received DSCR Calculation. - Due Diligence Vendor-05/14/2025<br>| Months Reserves exceed minimum required - 262 months reserves; 3 months reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 776; guidelines require 700. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 4115255 |
| XXXX | XXXX | 9130223 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 9137760 C A | Closed | FCRE0200 | 2025-05-09 11:58 | 2025-05-14 11:14 | Resolved | 1 - Information C A | Credit | Debt | Missing proof of liability not disclosed on credit report | Resolved-Received corrected 1008/1003 removing erroneous lease payment. - Due Diligence Vendor-05/14/2025 <br>Ready for Review-Document Uploaded. Per UW, Hangar lease added by mistake. Please see updated 1003 & 1008. - Seller-05/13/2025 <br>Open-No documentation located to support the monthly hangar lease payment that appears on the final 1003 - Due Diligence Vendor-05/09/2025 | Ready for Review-Document Uploaded. Per UW, Hangar lease added by mistake. Please see updated 1003 & 1008. - Seller-05/13/2025<br>| Resolved-Received corrected 1008/1003 removing erroneous lease payment. - Due Diligence Vendor-05/14/2025<br>| Qualifying DTI below maximum allowed - Qualifying DTI 26.10 is less than the guideline max of 43.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 804 is more than 20 points higher than the guideline min of 680. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 4095968 |
| XXXX | XXXX | 9146930 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 9156961 D A | Closed | FCRE0043 | 2025-05-12 12:27 | 2025-05-19 12:31 | Resolved | 1 - Information D A | Credit | Missing Doc | DSCR Calculation Missing | Resolved-Received correct DSCR calculation. - Due Diligence Vendor-05/19/2025 <br>Ready for Review-Document Uploaded. supporting docs - Buyer-05/16/2025 <br>Open-The DSCR Calculation from lender is Missing. DSCR calculation provided (992) is incorrect, the DSCR memo (p2) has the correct DSCR but a calculation is not provided. - Due Diligence Vendor-05/12/2025 |  | Resolved-Received correct DSCR calculation. - Due Diligence Vendor-05/19/2025<br>| Months Reserves exceed minimum required - 102 months reserves documented, 3 months required<br>DSCR % greater than 1.20 - 1.31 DSCR |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4115215 |
| XXXX | XXXX | 9156961 D A | Closed | FCOM1221 | 2025-05-12 11:49 | 2025-05-19 12:30 | Resolved | 1 - Information C A | Credit | Closing | The Deed of Trust is Incomplete | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-05/19/2025 <br>Ready for Review-Document Uploaded. Legal Description - Buyer-05/16/2025 <br>Open-The Deed of Trust is Incomplete Missing exhibit A-legal description - Due Diligence Vendor-05/12/2025 |  | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-05/19/2025<br>| Months Reserves exceed minimum required - 102 months reserves documented, 3 months required<br>DSCR % greater than 1.20 - 1.31 DSCR |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4114713 |
| XXXX | XXXX | 9134577 D B A C | Closed | finding-3634 | 2025-05-09 13:37 | 2025-05-28 07:58 | Cured | 2 - Non-Material C B | Compliance | TRID | Charges That Cannot Increase Test | Cured-Received Copy of check. - Due Diligence Vendor-05/28/2025 <br> Ready for Review-Document Uploaded. See copy of refund check - Buyer-05/27/2025 <br> Counter-Received PCCD XXXX, LOE, and Proof of delivery. The copy of the refund was not provided. - Due Diligence Vendor-05/23/2025 <br> Ready for Review-Document Uploaded. See refund info, just waiting on check copy<br> - Buyer-05/22/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is XXXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Zero (0%) tolerance fees increased by XXXX (CDA Fee) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of XXXX, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 1 year- Expiration date is XXXX.<br> - Due Diligence Vendor-05/09/2025 |  | Cured-Received Copy of check. - Due Diligence Vendor-05/28/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 712 FICO, 680 required<br>Months Reserves exceed minimum required - 16 months reserves documented, 3 months required |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 4097536 |
| XXXX | XXXX | 9134577 D B A C | Closed | FCRE6019 | 2025-05-14 10:06 | 2025-05-23 12:00 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Received citizen documentation. - Due Diligence Vendor-05/23/2025 <br>Ready for Review-Document Uploaded. see attached perm card front and back - Buyer-05/22/2025 <br>Open-Missing a copy of the back of the borrower's Permanent Resident card - Due Diligence Vendor-05/14/2025 |  | Resolved-Received citizen documentation. - Due Diligence Vendor-05/23/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 712 FICO, 680 required<br>Months Reserves exceed minimum required - 16 months reserves documented, 3 months required |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 4137720 |
| XXXX | XXXX | 9146960 C A | Closed | FCRE0109 | 2025-05-13 12:55 | 2025-05-19 13:25 | Resolved | 1 - Information C A | Credit | Eligibility | Missing Disclosure - Patriot Act Borrower Identification Form | Resolved-Upon further review, the borrowers ID was located in the loan file. - Due Diligence Vendor-05/19/2025 <br>Ready for Review-Document Uploaded. Supporting Doc Uploaded - Buyer-05/15/2025 <br>Open-Missing Disclosure - Patriot Act Borrower Identification Form. Missing Patriot Act Discl - Due Diligence Vendor-05/14/2025 |  | Resolved-Upon further review, the borrowers ID was located in the loan file. - Due Diligence Vendor-05/19/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying credit score 764; minimum required 700.<br>Months Reserves exceed minimum required - 55 months PITIA reserves; 3 months reserves required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 4128976 |
| XXXX | XXXX | 9130232 D A | Closed | FCOM1351 | 2025-05-13 14:25 | 2025-05-19 13:11 | Resolved | 1 - Information D A | Credit | Missing Doc | Guaranty Agreement Missing | Resolved-Received Guaranty Agreement. - Due Diligence Vendor-05/19/2025 <br>Ready for Review-Document Uploaded. Personal Guaranty Uploaded - Buyer-05/15/2025 <br>Open-The Subject Loan is a Business Purpose Loan but the Guaranty Agreement Doc is 'Missing'. Missing Guaranty Agreement. - Due Diligence Vendor-05/13/2025 |  | Resolved-Received Guaranty Agreement. - Due Diligence Vendor-05/19/2025<br>| Months Reserves exceed minimum required - 84 months reserves documented, 3 months required<br>Qualifying FICO score is at least 20 points above minimum for program - Guidelines require 700 credit score. Qualifying credit score is 759. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4130258 |
| XXXX | XXXX | 9130232 D A | Closed | FCRE1510 | 2025-05-14 14:51 | 2025-05-19 13:10 | 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-05/19/2025 <br>Ready for Review-Document Uploaded. legal description uploaded<br> - Buyer-05/15/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing "Exhibit A" legal description attached to the DOT. - Due Diligence Vendor-05/14/2025 |  | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-05/19/2025<br>| Months Reserves exceed minimum required - 84 months reserves documented, 3 months required<br>Qualifying FICO score is at least 20 points above minimum for program - Guidelines require 700 credit score. Qualifying credit score is 759. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4141978 |
| XXXX | XXXX | 9130213 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 9134556 C A | Closed | FCRE8013 | 2025-05-13 16:16 | 2025-05-16 11:34 | Resolved | 1 - Information C A | Credit | Eligibility | Purchase Contract Issue | Resolved-Received the Purchase Contract w/Addendum. - Due Diligence Vendor-05/16/2025 <br>Ready for Review-Document Uploaded. Contract with addendum - Buyer-05/15/2025 <br>Open-Loan Purpose is Purchase but Purchase Contract is only Partially Provided. Appraiser provided addendum to contract; however, no contract of sale in loan file - Due Diligence Vendor-05/13/2025 |  | Resolved-Received the Purchase Contract w/Addendum. - Due Diligence Vendor-05/16/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min 700, actual 762<br>LTV is less than guideline maximum - Max 80%, actual 49.82%<br>Months Reserves exceed minimum required - Min 6 months, actual 9.87 months |  | XXXX | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 4131965 |
| XXXX | XXXX | 9137885 C B A | Closed | finding-47 | 2025-05-09 17:32 | 2025-05-15 14:26 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Received XXXX with correct disbursement date. - Due Diligence Vendor-05/15/2025 <br> Ready for Review-Document Uploaded. PCCD reuploaded - Seller-05/15/2025 <br> Counter-PCCD uploaded is corrupt. Please re-upload. - Due Diligence Vendor-05/14/2025 <br> Ready for Review-Document Uploaded. PCCD uploaded - Seller-05/14/2025 <br> Ready for Review-Document Uploaded. Final SS with correct disbursement date - Seller-05/14/2025 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. -----Provide PCCD with disbursement date after the ROR expiration date.<br> - Due Diligence Vendor-05/09/2025 | Ready for Review-Document Uploaded. PCCD reuploaded - Seller-05/15/2025 <br>Ready for Review-Document Uploaded. PCCD uploaded - Seller-05/14/2025 <br>Ready for Review-Document Uploaded. Final SS with correct disbursement date - Seller-05/14/2025<br>| Resolved-Received PCCD XXXX with correct disbursement date. - Due Diligence Vendor-05/15/2025 | Months Reserves exceed minimum required - Verified assets of 16.58 months exceeds the minimum required of 6 months<br>Qualifying DTI below maximum allowed - DTI of 43.67% is less than the maximum allowed per guidelines of 50% |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4101466 |
| XXXX | XXXX | 9137885 C B A | Closed | FCOM5135 | 2025-05-09 17:12 | 2025-05-09 17:12 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-05/09/2025 |  | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-05/09/2025<br>| Months Reserves exceed minimum required - Verified assets of 16.58 months exceeds the minimum required of 6 months<br>Qualifying DTI below maximum allowed - DTI of 43.67% is less than the maximum allowed per guidelines of 50% |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | 4101278 |
| XXXX | XXXX | 9119030 D A | Closed | FCOM1352 | 2025-05-14 07:12 | 2025-05-29 17:05 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received business purpose affidavit. - Due Diligence Vendor-05/29/2025 <br>Ready for Review-Document Uploaded. See attached business purpose - Buyer-05/27/2025 <br>Counter-Received Occupancy Cert-missing Business Purpose Affidavit-required on investment transactions. Original finding remains. - Due Diligence Vendor-05/19/2025 <br>Ready for Review-Document Uploaded. Isn't the Business Purpose Affidavit Disclosure only needed if the borrower closes in their Business? - Buyer-05/16/2025 <br>Open-The Business Purpose Affidavit Disclosure is Missing Missing Business Purpose Affidavit. - Due Diligence Vendor-05/14/2025 |  | Resolved-Received business purpose affidavit. - Due Diligence Vendor-05/29/2025<br>| Months Reserves exceed minimum required - Months reserves required is 3; qualifying reserves is 20.12 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 680; qualifying FICO is 730. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 4136000 |
| XXXX | XXXX | 9137897 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | XXXX | 9125143 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | XXXX | 9125137 D A | Closed | FCRE1206 | 2025-05-15 08:11 | 2025-05-22 12:50 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received Fraud Report w/All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-05/22/2025 <br>Ready for Review-Document Uploaded. supporting docs - Buyer-05/21/2025 <br>Open-All Interested Parties Not Checked with Exclusionary Lists Missing Checks on the Exclusionary List. - Due Diligence Vendor-05/15/2025 |  | Resolved-Received Fraud Report w/All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-05/22/2025<br>| Months Reserves exceed minimum required - The Borrower has 39.79 months in reserves.<br>Qualifying FICO score is at least 20 points above minimum for program - The Borrowers FICO score is 774; guideline minimum is 700. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4148294 |
| XXXX | XXXX | 9125137 D A | Closed | FCRE1205 | 2025-05-15 08:11 | 2025-05-22 12:50 | Resolved | 1 - Information C A | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Resolved-Received Fraud Report w/XXXX Check Completed and Cleared - Due Diligence Vendor-05/22/2025 <br> Ready for Review-Document Uploaded. supporting docs - Buyer-05/21/2025 <br> Open-XXXX Check Not Completed and/or Cleared Missing XXXX check on Parties; the file contains the XXXX check on the Borrower only page 314. - Due Diligence Vendor-05/15/2025 |  | Resolved-Received Fraud Report w/OFAC Check Completed and Cleared - Due Diligence Vendor-05/22/2025<br>| Months Reserves exceed minimum required - The Borrower has 39.79 months in reserves.<br>Qualifying FICO score is at least 20 points above minimum for program - The Borrowers FICO score is 774; guideline minimum is 700. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4148295 |
| XXXX | XXXX | 9125137 D A | Closed | FCRE8701 | 2025-05-16 12:22 | 2025-05-19 15:45 | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Missing | Resolved-The Business Entity Formation Documents and EIN number were provided. - Due Diligence Vendor-05/19/2025 <br>Ready for Review-Document Uploaded. supporting docs - Seller-05/16/2025 <br>Open-The Business Entity Formation Document is Missing Missing business information and EIN number. - Due Diligence Vendor-05/16/2025 | Ready for Review-Document Uploaded. supporting docs - Seller-05/16/2025<br>| Resolved-The Business Entity Formation Documents and EIN number were provided. - Due Diligence Vendor-05/19/2025<br>| Months Reserves exceed minimum required - The Borrower has 39.79 months in reserves.<br>Qualifying FICO score is at least 20 points above minimum for program - The Borrowers FICO score is 774; guideline minimum is 700. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4164960 |
| XXXX | XXXX | 9125137 D A | Closed | FCRE0043 | 2025-05-15 08:19 | 2025-05-19 15:42 | Resolved | 1 - Information D A | Credit | Missing Doc | DSCR Calculation Missing | Resolved-DSCR Calculation was provided. - Due Diligence Vendor-05/19/2025 <br>Ready for Review-Document Uploaded. supporting docs - Buyer-05/16/2025 <br>Open-The DSCR Calculation from lender is Missing. Missing DSCR Calculation from the lender. - Due Diligence Vendor-05/15/2025 |  | Resolved-DSCR Calculation was provided. - Due Diligence Vendor-05/19/2025<br>| Months Reserves exceed minimum required - The Borrower has 39.79 months in reserves.<br>Qualifying FICO score is at least 20 points above minimum for program - The Borrowers FICO score is 774; guideline minimum is 700. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4148366 |
| XXXX | XXXX | 9162638 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | XXXX | 9162664 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | XXXX | 9156950 C A | Closed | FCRE0125 | 2025-05-15 09:16 | 2025-05-23 12:13 | Resolved | 1 - Information C A | Credit | Eligibility | Missing First Payment Letter | Resolved-Received 1st payment letter. - Due Diligence Vendor-05/23/2025 <br>Ready for Review-Document Uploaded. executed cls package page 83 is the first payment letter. - Buyer-05/22/2025 <br>Open-Missing First payment letter. First Payment Letter missing. - Due Diligence Vendor-05/15/2025 |  | Resolved-Received 1st payment letter. - Due Diligence Vendor-05/23/2025<br>| Months Reserves exceed minimum required - Months reserves required is 3; qualifying reserves is 13.25 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 660; qualifying FICO is 708. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4148912 |
| XXXX | XXXX | 9134572 D B C A | Closed | FCRE1317 | 2025-05-15 11:08 | 2025-05-23 13:03 | Resolved | 1 - Information C A | Credit | Income/Employment | Borrower 1 Total Years Employment Verified is Less Than 24 Months | Resolved-Upon further review, the borrower has been self employed since XXXX and was previously in the same line of work, which meets the guidelines. - Due Diligence Vendor-05/23/2025 <br> Open-Borrower 1 Total Years Employment Verified is Less Than 24 Months Only 20 months of employment history have been documented. Per CPA Letter, business formation took place on XXXX, which leaves less than 24 months of employment history. - Due Diligence Vendor-05/15/2025 |  | Resolved-Upon further review, the borrower has been self employed since XXXX and was previously in the same line of work, which meets the guidelines. - Due Diligence Vendor-05/23/2025 | Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 660; qualifying FICO is 754.<br>Months Reserves exceed minimum required - Months reserves required is 3; qualifying reserves is 205.46 months. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 4150374 |
| XXXX | XXXX | 9134572 D B C A | Closed | FCRE1510 | 2025-05-14 09:09 | 2025-05-21 12:34 | 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-05/21/2025 <br>Ready for Review-Document Uploaded. supporting docs - Buyer-05/20/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Legal Page is missing. - Due Diligence Vendor-05/14/2025 |  | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-05/21/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 660; qualifying FICO is 754.<br>Months Reserves exceed minimum required - Months reserves required is 3; qualifying reserves is 205.46 months. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 4136903 |
| XXXX | XXXX | 9134572 D B C A | Closed | FCOM1544 | 2025-05-14 09:51 | 2025-05-20 13:50 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Rec'd complete copy of Final CD issued XXXX. Finding resolved. - Due Diligence Vendor-05/20/2025 <br> Ready for Review-Document Uploaded. supporting docs - Buyer-05/20/2025 <br> Open-TRID: Missing Final Closing Disclosure Partial Final CD issued XXXX in file is missing pages 3 & 4 of 5. Please provide complete copy of Final CD. - Due Diligence Vendor-05/14/2025 |  | Resolved-Rec'd complete copy of Final CD issued XXXX. Finding resolved. - Due Diligence Vendor-05/20/2025 | Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 660; qualifying FICO is 754.<br>Months Reserves exceed minimum required - Months reserves required is 3; qualifying reserves is 205.46 months. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 4137464 |
| XXXX | XXXX | 9134572 D B C A | Closed | FCOM5135 | 2025-05-14 09:27 | 2025-05-14 09:27 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-05/14/2025 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-05/14/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 660; qualifying FICO is 754.<br>Months Reserves exceed minimum required - Months reserves required is 3; qualifying reserves is 205.46 months. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | Investor Post-Close | No | 4137121 |
| XXXX | XXXX | 9125139 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 9156955 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 9134587 D A | Closed | FCRE1728 | 2025-05-15 17:30 | 2025-05-20 12:29 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing rent comparable schedule form 1007 | Resolved-Received 1007. - Due Diligence Vendor-05/20/2025 <br>Ready for Review-Document Uploaded. 1007 - Buyer-05/19/2025 <br>Open-Missing rent comparable schedule form 1007 on a DSCR loan. Additional conditions may apply. - Due Diligence Vendor-05/15/2025 |  | Resolved-Received 1007. - Due Diligence Vendor-05/20/2025<br>| Months Reserves exceed minimum required - Borrowers verified 137.06 months of PITIA reserves, 12 months minimum reserves were required for First Time Investors.<br>Qualifying FICO score is at least 20 points above minimum for program - 765 qualifying FICO score, 700 minimum score required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 4157342 |
| XXXX | XXXX | 9134587 D A | Closed | FPRO1242 | 2025-05-15 17:38 | 2025-05-20 12:24 | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal is Missing | Resolved-Received appraisal. - Due Diligence Vendor-05/20/2025 <br>Ready for Review-Document Uploaded. supporting docs - Buyer-05/19/2025 <br>Open-Appraisal is Missing. Additional conditions may apply. - Due Diligence Vendor-05/15/2025 |  | Resolved-Received appraisal. - Due Diligence Vendor-05/20/2025<br>| Months Reserves exceed minimum required - Borrowers verified 137.06 months of PITIA reserves, 12 months minimum reserves were required for First Time Investors.<br>Qualifying FICO score is at least 20 points above minimum for program - 765 qualifying FICO score, 700 minimum score required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 4157441 |
| XXXX | XXXX | 9134587 D A | Closed | FCRE1241 | 2025-05-15 17:38 | 2025-05-20 12:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Purchase Contract is Missing | Resolved-Received ratified purchase contract. - Due Diligence Vendor-05/20/2025 <br>Ready for Review-Document Uploaded. contract - Buyer-05/19/2025 <br>Open-Loan Purpose is Purchase but Purchase Contract is Missing. Purchase Contract is Missing. Additional conditions may apply. - Due Diligence Vendor-05/15/2025 |  | Resolved-Received ratified purchase contract. - Due Diligence Vendor-05/20/2025<br>| Months Reserves exceed minimum required - Borrowers verified 137.06 months of PITIA reserves, 12 months minimum reserves were required for First Time Investors.<br>Qualifying FICO score is at least 20 points above minimum for program - 765 qualifying FICO score, 700 minimum score required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 4157442 |
| XXXX | XXXX | 9137825 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | XXXX | 9134596 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 9158393 D A | Closed | FCRE1157 | 2025-05-16 10:29 | 2025-05-20 11:46 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Received HOI policy and RCE. - Due Diligence Vendor-05/20/2025 <br> Ready for Review-Document Uploaded. hi reuploaded Property- Hazard Insurance thank you :) - Seller-05/19/2025 <br> Open-Missing Hazard Insurance Policy - Due Diligence Vendor-05/16/2025 | Ready for Review-Document Uploaded. hi reuploaded Property- Hazard Insurance thank you :) - Seller-05/19/2025<br>| Resolved-Received HOI policy and RCE. - Due Diligence Vendor-05/20/2025<br>| On time mortgage history exceeds guideline requirement - Borrower has not been 30 days late on any mortgage in the last 5 years. <br>Months Reserves exceed minimum required - Guides require 6 months reserves and the borrower has 12 months. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4163104 |
| XXXX | XXXX | 9166076 D A | Closed | FCRE0043 | 2025-05-19 14:35 | 2025-05-22 12:33 | Resolved | 1 - Information D A | Credit | Missing Doc | DSCR Calculation Missing | Resolved-Received DSCR Calculation. - Due Diligence Vendor-05/22/2025 <br>Ready for Review-Document Uploaded. 1008 w DSCR calc - Buyer-05/21/2025 <br>Open-The DSCR Calculation from lender is Missing. - Due Diligence Vendor-05/19/2025 |  | Resolved-Received DSCR Calculation. - Due Diligence Vendor-05/22/2025<br>| LTV is less than guideline maximum - LTV 69%; max 75%.<br>Months Reserves exceed minimum required - 120 months PITIA reserves; 3 months reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - FICO 786; minimum FICO 720 required |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4181973 |
| XXXX | XXXX | 9146966 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | XXXX | 9158451 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 9158454 D A | Closed | FCRE6019 | 2025-05-20 15:09 | 2025-05-27 10:19 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Received corrected 1003 - Due Diligence Vendor-05/27/2025 <br> Ready for Review-Document Uploaded. good morning happy XXXX please see attached for XXXX- Commercial Loan Application XXXX - Seller-05/23/2025 <br> Counter-Received duplicate application reflecting both XXXX and Non perm resident. Please provide corrected form reflecting as XXXX. - Due Diligence Vendor-05/23/2025 <br> Ready for Review-Document Uploaded. sorry this is the correct XXXX- Commercial Loan Application attached :) - Seller-05/22/2025 <br> Counter-Received updated 1003-Residency Status reflects as both XXXX and Non-Perm. Please provide corrected final 1003 reflecting XXXX only. - Due Diligence Vendor-05/22/2025 <br> Ready for Review-Document Uploaded. HI<br>The borrower is a XXXX. System was marked in correctly. Borrower has ss#, driver's license and lives in XXXX. He has owned his primary since XXXX. I have attached the updated application<br> - Seller-05/21/2025 <br> Open-Borrower Citizenship Documentation Is Missing Missing proper documentation for non-permanent resident, passport does not suffice. - Due Diligence Vendor-05/20/2025 | Ready for Review-Document Uploaded. good morning happy XXXX please see attached for XXXX- Commercial Loan Application US citizen - Seller-05/23/2025 <br> Ready for Review-Document Uploaded. sorry this is the correct XXXX- Commercial Loan Application attached :) - Seller-05/22/2025 <br> Ready for Review-Document Uploaded. HI<br>The borrower is a US citizen. System was marked in correctly. Borrower has ss#, driver's license and lives in US. He has owned his primary since XXXX. I have attached the updated application<br> - Seller-05/21/2025 | Resolved-Received corrected 1003 - Due Diligence Vendor-05/27/2025<br>| Months Reserves exceed minimum required - 17.67mos reserves. Per guides, 0 reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 773. Per guides, minimum score required 660 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 4195618 |
| XXXX | XXXX | 9158519 D A | Closed | FCRE1173 | 2025-05-22 13:24 | 2025-06-06 12:29 | Resolved | 1 - Information D A | Credit | Missing Doc | Condo Master Insurance Policy is Missing | Resolved-Received renewal master HOI - Due Diligence Vendor-06/06/2025 <br> Ready for Review-Document Uploaded. Uploaded renweal - Seller-06/05/2025 <br> Counter-Condo Master HOI policy expires XXXX-provide renewal. - Due Diligence Vendor-05/27/2025 <br> Ready for Review-Document Uploaded. Uploaded Master Policy - Seller-05/23/2025 <br> Open-Missing Condo Master Insurance Policy - Due Diligence Vendor-05/22/2025 | Ready for Review-Document Uploaded. Uploaded renweal - Seller-06/05/2025 <br>Ready for Review-Document Uploaded. Uploaded Master Policy - Seller-05/23/2025<br>| Resolved-Received renewal master HOI - Due Diligence Vendor-06/06/2025<br>| Months Reserves exceed minimum required - Guides require 12 months reserves and the borrower has 23 months. <br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 808 is more than 20 points higher than the guideline min of 680. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 4217195 |
| XXXX | XXXX | 9158519 D A | Closed | FCRE1452 | 2025-05-22 14:25 | 2025-05-28 11:26 | Resolved | 1 - Information C A | Credit | Assets | Asset 10 Expired | Resolved-Removed asset per originator. - Due Diligence Vendor-05/28/2025 <br> Ready for Review-We are not using the XXXX 401K account, we have sufficient funds without this account. The UW forgot to remove the statement from the file & this account was not listed on the 1003. Please clear - Seller-05/27/2025 <br> Open-Asset 10 Expired Missing updated quarterly asset statement for XXXX 401K - Due Diligence Vendor-05/23/2025 | Ready for Review-We are not using the Davita XXXX account, we have sufficient funds without this account. The UW forgot to remove the statement from the file & this account was not listed on the 1003. Please clear - Seller-05/27/2025 | Resolved-Removed asset per originator. - Due Diligence Vendor-05/28/2025<br>| Months Reserves exceed minimum required - Guides require 12 months reserves and the borrower has 23 months. <br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 808 is more than 20 points higher than the guideline min of 680. |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 4218177 |
| XXXX | XXXX | 9158519 D A | Closed | FCRE1180 | 2025-05-22 13:24 | 2025-05-27 11:00 | Resolved | 1 - Information D A | Credit | Missing Doc | HO-6 Insurance Policy is Missing | Resolved-Received HO6 policy. - Due Diligence Vendor-05/27/2025 <br>Ready for Review-Document Uploaded. Uploaded HO6 - Seller-05/23/2025 <br>Open-HO-6 Insurance Policy is Missing - Due Diligence Vendor-05/22/2025 | Ready for Review-Document Uploaded. Uploaded HO6 - Seller-05/23/2025<br>| Resolved-Received HO6 policy. - Due Diligence Vendor-05/27/2025<br>| Months Reserves exceed minimum required - Guides require 12 months reserves and the borrower has 23 months. <br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 808 is more than 20 points higher than the guideline min of 680. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 4217194 |
| XXXX | XXXX | 9158519 D A | Closed | FCOM1252 | 2025-05-21 19:22 | 2025-05-27 09:07 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Received LE XXXX and LE XXXX w/proof of delivery. - Due Diligence Vendor-05/27/2025 <br> Ready for Review-Document Uploaded. Uploaded all LE's - Seller-05/23/2025 <br> Open-Missing Initial LE dated within 3 days of loan application, any subsequent LEs with applicable COCs. Unable to complete compliance testing, additional findings may apply upon receipt. - Due Diligence Vendor-05/21/2025 | Ready for Review-Document Uploaded. Uploaded all LE's - Seller-05/23/2025<br>| Resolved-Received LE XXXX and LE XXXX w/proof of delivery. - Due Diligence Vendor-05/27/2025 | Months Reserves exceed minimum required - Guides require 12 months reserves and the borrower has 23 months. <br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 808 is more than 20 points higher than the guideline min of 680. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 4210518 |
| XXXX | XXXX | 9158397 C B A | Closed | FCRE1232 | 2025-05-21 17:10 | 2025-06-03 13:21 | Waived | 2 - Non-Material C B | Credit | Eligibility | Calculated DSCR does not meet the Minimum DSCR allowed | Waived-Originator provided a waiver LTV 75% with DSCR <1.00 applied to non material finding with comp factors - Due Diligence Vendor-06/03/2025 <br> Ready for Review-Document Uploaded. Please see the information from our UW - Seller-06/02/2025 <br> Counter-Received exception for LTV-if DSCR is below 1 max LTV is 65%. Please provide correct exception. - Due Diligence Vendor-05/30/2025 <br> Ready for Review-Document Uploaded. - Seller-05/29/2025 <br> Open-The Calculated DSCR of '0.918' is less than the minimum DSCR per lender guidelines of '1'. Subject loan was approved under XXXX program which required a DSCR of 1.0 or greater. Per the guidelines the market rent can be used if it is within 120% of the lease rent. Lease rent is XXXX, 1007 rent is XXXX. Market rent exceeds lease rent by more than 120%. Using 120% of the lease agreement results in rent of XXXX to be used to determine the DSCR. The PITI is XXXX of lease is XXXX. DSCR ratio is 0.918. lender used the market rent of XXXX which exceeds the 120% allowed. Using he XXXX (120% of the lease payment) results in a DSCR below minimum required. - Due Diligence Vendor-05/21/2025 | Ready for Review-Document Uploaded. Please see the information from our UW - Seller-06/02/2025 <br>Ready for Review-Document Uploaded. - Seller-05/29/2025<br>| Waived-Originator provided a waiver LTV 75% with DSCR <1.00 applied to non material finding with comp factors - Due Diligence Vendor-06/03/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score for grading is 698, guideline minimum is 660.<br>On time mortgage history exceeds guideline requirement - 0x30 for 59 months reporting. | Long term homeownership<br> Long term investor experience. | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | Yes | 4209658 |
| XXXX | XXXX | 9134583 B A | Closed | FCOM5135 | 2025-05-21 09:44 | 2025-05-21 10:32 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-05/21/2025 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-05/21/2025<br>| Qualifying DTI below maximum allowed - Max 50%, actual 24.82%<br>Months Reserves exceed minimum required - Min 3 months, actual 15.85 months<br>LTV is less than guideline maximum - Max 70%, actual 26.39% |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | 4202803 |
| XXXX | XXXX | 9166095 D A | Closed | FCRE0137 | 2025-07-09 10:56 | 2025-07-09 14:56 | Resolved | 1 - Information C A | Credit | Eligibility | Subject property is listed for sale | Resolved-Property not listed for sale. - Due Diligence Vendor-07/09/2025 <br>Open-UW to confirm there is no evidence the home is listed for sale. <br> - Due Diligence Vendor-07/09/2025 |  | Resolved-Property not listed for sale. - Due Diligence Vendor-07/09/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 802 FICO, 680required<br>Months Reserves exceed minimum required - 19.6 months reserves documented, 3 months required |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4748634 |
| XXXX | XXXX | 9166095 D A | Closed | FCRE7497 | 2025-05-22 12:47 | 2025-05-30 14:28 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received CD on primary. - Due Diligence Vendor-05/30/2025 <br>Ready for Review-Document Uploaded. Supporting docs - Buyer-05/28/2025 <br>Counter-Received exception-exception details does not not reflect approval for rent free. Please provide updated exception request and approval. - Due Diligence Vendor-05/28/2025 <br>Ready for Review-Document Uploaded. Borrower Lives rent free --exception request and approval - Buyer-05/27/2025 <br>Open-Missing documentation of PITIA for new primary residence. - Due Diligence Vendor-05/22/2025 |  | Resolved-Received CD on primary. - Due Diligence Vendor-05/30/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 802 FICO, 680required<br>Months Reserves exceed minimum required - 19.6 months reserves documented, 3 months required |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4216614 |
| XXXX | XXXX | 9166095 D A | Closed | FCRE7806 | 2025-05-22 14:00 | 2025-05-28 12:54 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Bank Statement Summary/Lender Worksheet is Missing | Resolved-Received originator's business bank statement analysis. - Due Diligence Vendor-05/28/2025 <br>Ready for Review-Document Uploaded. Supporting docs - Buyer-05/27/2025 <br>Open-The Borrower 1 Bank Statement Summary/Lender Worksheet is Missing Bank statement income calculation worksheet is required - Due Diligence Vendor-05/22/2025 |  | Resolved-Received originator's business bank statement analysis. - Due Diligence Vendor-05/28/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 802 FICO, 680required<br>Months Reserves exceed minimum required - 19.6 months reserves documented, 3 months required |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4217780 |
| XXXX | XXXX | 9134566 C A | Closed | FCRE8201 | 2025-05-22 19:40 | 2025-05-28 12:25 | Resolved | 1 - Information C A | Credit | Eligibility | Loan does not conform to program guidelines | Resolved-Social security is allowable under the full doc program. - Due Diligence Vendor-05/28/2025 <br>Open-The borrowers were qualified under the "Full Doc" income level using a current award letter for Social Security income. However, per guides, supplemental income such as W2 or SSI may be included under the Alt Doc income program. It should be noted that B2 was also qualified with distributions from a retirement account. An exception to use the income documentation provided in the loan file is required. - Due Diligence Vendor-05/22/2025 |  | Resolved-Social security is allowable under the full doc program. - Due Diligence Vendor-05/28/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 728 qualifying FICO score, 660 minimum score required.<br>LTV is less than guideline maximum - 50% LTV ratio, 75% maximum LTV allowed. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4222989 |
| XXXX | XXXX | 9125156 C B A | Closed | FCRE1440 | 2025-05-23 16:17 | 2025-05-29 16:56 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Client provided a waiver <12 months housing history applied to non material finding with comp factors - Due Diligence Vendor-05/29/2025 <br> Ready for Review-Document Uploaded. Exception request and approval uploaded - Buyer-05/27/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Lender exception for housing history. B1 currently lives in a that is free and clear. The property was inherited by B1 in XXXX. B1 lacks 12 month housing history. Loan file only contains the exception request missing investor approval confirmation. - Due Diligence Vendor-05/23/2025 |  | Waived-Client provided a waiver <12 months housing history applied to non material finding with comp factors - Due Diligence Vendor-05/29/2025<br>| Months Reserves exceed minimum required - Borrower verified 35.06 months of PITIA reserves, 3 months minimum required.<br>Qualifying FICO score is at least 20 points above minimum for program - 814 qualifying FICO score, 660 minimum score required.<br>LTV is less than guideline maximum - 38.46% LTV ratio, 85% maximum LTV allowed. | 15.77% DTI<br> Employment stability of more than 12 years<br> 27 months of reserves<br> XXXX residual income<br> 41.54% LTV<br> Low credit utilization | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Investor Post-Close | No | 4234531 |
| XXXX | XXXX | 9158464 C A | Closed | FCRE1254 | 2025-05-22 14:29 | 2025-05-28 11:23 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received confirmation from Title not our borrowers and will be removed. - Due Diligence Vendor-05/28/2025 <br> Ready for Review-Document Uploaded. Uploaded Non-ID Affidavit - Seller-05/27/2025 <br> Open-Property Title Issue Title commitment reflects 2 federal tax liens filed XXXX and XXXX. Missing documentation the tax liens have been released or removed from title. - Due Diligence Vendor-05/22/2025 | Ready for Review-Document Uploaded. Uploaded Non-ID Affidavit - Seller-05/27/2025<br>| Resolved-Received confirmation from Title not our borrowers and will be removed. - Due Diligence Vendor-05/28/2025<br>| LTV is less than guideline maximum - The calculated LTV is 25.66%, guideline maximum is 75%.<br>Qualifying FICO score is at least 20 points above minimum for program - Score for grading is 701, guideline minimum is 700. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4218270 |
| XXXX | XXXX | 9146936 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | XXXX | 9166081 D A | Closed | FCRE6589 | 2025-05-30 12:33 | 2025-06-03 13:44 | Resolved | 1 - Information C A | Credit | Borrower | Fraud: Potential Occupancy/Current Address Issues identified in the file | Resolved-Received final CD for new primary purchased simultaneous. - Due Diligence Vendor-06/03/2025 <br> Ready for Review-Document Uploaded. supporting docs - Buyer-06/03/2025 <br> Open-The 1003 indicates that the borrower is currently living in subject address. The 1003 also indicates a property as primary residence, property XXXX. No LOX in file to support occupancy - Due Diligence Vendor-05/30/2025 |  | Resolved-Received final CD for new primary purchased simultaneous. - Due Diligence Vendor-06/03/2025<br>| Months Reserves exceed minimum required - Min 3 months, actual 125.15 months<br>Qualifying FICO score is at least 20 points above minimum for program - Min 700, actual 781<br>LTV is less than guideline maximum - Max 75%, actual 37.86%<br>Qualifying DTI below maximum allowed - Max 50%, actual 49.07% |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4284925 |
| XXXX | XXXX | 9166081 D A | Closed | FCRE7497 | 2025-05-30 12:35 | 2025-06-03 13:44 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received CD for purchase of new primary. - Due Diligence Vendor-06/03/2025 <br> Ready for Review-Document Uploaded. final CD for new PR - Buyer-06/03/2025 <br> Open-1003 reflects a primary residence; however, property XXXX is missing housing expenses. 1008 reflects a PITIA payment of 4,330.20 which is not supported. Subject to additional conditions. - Due Diligence Vendor-05/30/2025 |  | Resolved-Received CD for purchase of new primary. - Due Diligence Vendor-06/03/2025<br>| Months Reserves exceed minimum required - Min 3 months, actual 125.15 months<br>Qualifying FICO score is at least 20 points above minimum for program - Min 700, actual 781<br>LTV is less than guideline maximum - Max 75%, actual 37.86%<br>Qualifying DTI below maximum allowed - Max 50%, actual 49.07% |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4284956 |
| XXXX | XXXX | 9166081 D A | Closed | FCRE5782 | 2025-05-30 11:52 | 2025-06-03 13:38 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Upon further review, the loan file contained all required credit refresh documentation. - Due Diligence Vendor-06/03/2025 <br>Ready for Review-Document Uploaded. supporting docs - Buyer-06/02/2025 <br>Open-Borrower 1 Gap Credit Report is Missing missing from loan file. No UDM on fraud report - Due Diligence Vendor-05/30/2025 |  | Resolved-Upon further review, the loan file contained all required credit refresh documentation. - Due Diligence Vendor-06/03/2025<br>| Months Reserves exceed minimum required - Min 3 months, actual 125.15 months<br>Qualifying FICO score is at least 20 points above minimum for program - Min 700, actual 781<br>LTV is less than guideline maximum - Max 75%, actual 37.86%<br>Qualifying DTI below maximum allowed - Max 50%, actual 49.07% |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4284315 |
| XXXX | XXXX | 9158366 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 9137933 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 9158596 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 9158565 D B A | Closed | FCOM5135 | 2025-06-10 10:37 | 2025-06-13 07:18 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-Received Required Affiliated Business Disclosure Resolved - Due Diligence Vendor-06/13/2025 <br>Ready for Review-Document Uploaded. Uploaded facts pages - Seller-06/12/2025 <br>Open-Required Affiliated Business Disclosure Missing -----Missing Affiliated Business disclosure, unable to test fee tolerance properly. Additional Findings may apply upon receipt. <br> - Due Diligence Vendor-06/10/2025 | Ready for Review-Document Uploaded. Uploaded facts pages - Seller-06/12/2025<br>| Resolved-Received Required Affiliated Business Disclosure Resolved - Due Diligence Vendor-06/13/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 726; minimum score 680.<br>Months Reserves exceed minimum required - 25 months PITIA reserves; 6 months reserves required. |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 4394461 |
| XXXX | XXXX | 9158565 D B A | Closed | FCOM1301 | 2025-06-10 10:37 | 2025-06-10 10:37 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Home Loan Toolkit is Missing | Waived-The Home Loan Toolkit disclosure is missing. -----Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-06/10/2025 |  | Waived-The Home Loan Toolkit disclosure is missing. -----Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-06/10/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 726; minimum score 680.<br>Months Reserves exceed minimum required - 25 months PITIA reserves; 6 months reserves required. |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 4394460 |
| XXXX | XXXX | 9137775 D A | Closed | FCRE7497 | 2025-06-11 10:18 | 2025-06-16 13:29 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received ITA and updated 1003/1008. - Due Diligence Vendor-06/16/2025 <br> Ready for Review-Document Uploaded. Please see uploaded HOI, HOA, tax, revised 1008 & 1003 - Seller-06/13/2025 <br> Open-missing proof of taxes and insurance for XXXX - Due Diligence Vendor-06/11/2025 | Ready for Review-Document Uploaded. Please see uploaded HOI, HOA, tax, revised 1008 & 1003 - Seller-06/13/2025<br>| Resolved-Received ITA and updated 1003/1008. - Due Diligence Vendor-06/16/2025<br>| LTV is less than guideline maximum - LTV 31.75% ; LTV 80%.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 704; minimum score 680. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4409741 |
| XXXX | XXXX | 9137775 D A | Closed | FCRE1503 | 2025-06-11 11:42 | 2025-06-16 13:28 | Resolved | 1 - Information C A | Credit | QM-ATR | ATR: The Lender did not document all ATR Factors | Resolved-ATR: The Lender documented all ATR Factors or Not Applicable - Due Diligence Vendor-06/16/2025 <br> Ready for Review-The large deposits show they are wires from title companies which match what the borrowers business is real estate. These types or deposits would be considered typical for real estate transaction and are considered a trend due to there is more than one plus they show the source. Per guidelines no other documentation is required. - Seller-06/12/2025 <br> Open-ATR: The Lender did not document all ATR Factors Missing LOX and source large deposits for business income XXXX - Deduction of these deposits will result in excessive DTI. - Due Diligence Vendor-06/11/2025 | Ready for Review-The large deposits show they are wires from title companies which match what the borrowers business is real estate. These types or deposits would be considered typical for real estate transaction and are considered a trend due to there is more than one plus they show the source. Per guidelines no other documentation is required. - Seller-06/12/2025<br>| Resolved-ATR: The Lender documented all ATR Factors or Not Applicable - Due Diligence Vendor-06/16/2025<br>| LTV is less than guideline maximum - LTV 31.75% ; LTV 80%.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 704; minimum score 680. |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4411311 |
| XXXX | XXXX | 9137775 D A | Closed | FCRE4104 | 2025-06-11 10:14 | 2025-06-16 13:22 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing explanation and supporting documentation for large deposit(s) | Resolved-Received confirmation of deposits as normal business flow matching Self Employment Narrative. - Due Diligence Vendor-06/16/2025 <br> Ready for Review-The large deposits show they are wires from title companies which match what the borrowers business is real estate. These types or deposits would be considered typical for real estate transaction and are considered a trend due to there is more than one plus they show the source. Per guidelines no other documentation is required. - Seller-06/12/2025 <br> Open-Missing LOX and source large deposits for business income XXXX - Deduction of these deposits will result in excessive DTI. - Due Diligence Vendor-06/11/2025 | Ready for Review-The large deposits show they are wires from title companies which match what the borrowers business is real estate. These types or deposits would be considered typical for real estate transaction and are considered a trend due to there is more than one plus they show the source. Per guidelines no other documentation is required. - Seller-06/12/2025<br>| Resolved-Received confirmation of deposits as normal business flow matching Self Employment Narrative. - Due Diligence Vendor-06/16/2025<br>| LTV is less than guideline maximum - LTV 31.75% ; LTV 80%.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 704; minimum score 680. |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4409682 |
| XXXX | XXXX | 9137775 D A | Closed | FCRE5790 | 2025-06-11 10:25 | 2025-06-16 13:18 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Received Gap Report. - Due Diligence Vendor-06/16/2025 <br>Ready for Review-Document Uploaded. Please see uploaded UDN. - Seller-06/12/2025 <br>Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). 41 days old - Due Diligence Vendor-06/11/2025 | Ready for Review-Document Uploaded. Please see uploaded UDN. - Seller-06/12/2025<br>| Resolved-Received Gap Report. - Due Diligence Vendor-06/16/2025<br>| LTV is less than guideline maximum - LTV 31.75% ; LTV 80%.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 704; minimum score 680. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4409836 |
| XXXX | XXXX | 9137775 D A | Closed | FCRE1440 | 2025-06-11 10:25 | 2025-06-11 11:59 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Upon further review subject is owned free and clear. - Due Diligence Vendor-06/11/2025 <br>Open-Housing History Does Not Meet Guideline Requirements- missing housing history for subject Primary. - Due Diligence Vendor-06/11/2025 |  | Resolved-Upon further review subject is owned free and clear. - Due Diligence Vendor-06/11/2025<br>| LTV is less than guideline maximum - LTV 31.75% ; LTV 80%.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 704; minimum score 680. |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4409835 |

---

## Exhibit 99.3

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

**Exhibit 99.3 – Schedule 2**

---

| | | | |
|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Redaction ID** | **Original Loan Amount** |
| XXXX | XXXX | 8058958 | XXXX C A B |
| XXXX | XXXX | 8442244 | XXXX A |
| XXXX | XXXX | 9036250 | XXXX D A |
| XXXX | XXXX | 9067362 | XXXX D A B |
| XXXX | XXXX | 9064736 | XXXX A |
| XXXX | XXXX | 9101452 | XXXX D A |
| XXXX | XXXX | 9081723 | XXXX D A B |
| XXXX | XXXX | 9101403 | XXXX D A |
| XXXX | XXXX | 9101375 | XXXX A |
| XXXX | XXXX | 9081724 | XXXX C A B |
| XXXX | XXXX | 9081738 | XXXX D A |
| XXXX | XXXX | 9081710 | XXXX D A |
| XXXX | XXXX | 9091820 | XXXX D A B |
| XXXX | XXXX | 9081748 | XXXX C A |
| XXXX | XXXX | 9111448 | XXXX C A B |
| XXXX | XXXX | 9111432 | XXXX D A |
| XXXX | XXXX | 9100923 | XXXX D A B |
| XXXX | XXXX | 9091802 | XXXX C A |
| XXXX | XXXX | 9133942 | XXXX A |
| XXXX | XXXX | 9111452 | XXXX D A |
| XXXX | XXXX | 9111441 | XXXX D A |
| XXXX | XXXX | 9133900 | XXXX C A B |
| XXXX | XXXX | 9133852 | XXXX A |
| XXXX | XXXX | 9091825 | XXXX C A B |
| XXXX | XXXX | 9119037 | XXXX D A |
| XXXX | XXXX | 9119067 | XXXX D A |
| XXXX | XXXX | 9064758 | XXXX D A |
| XXXX | XXXX | 9133845 | XXXX A |
| XXXX | XXXX | 9064763 | XXXX D A |
| XXXX | XXXX | 9133880 | XXXX D A |
| XXXX | XXXX | 9133921 | XXXX D A |
| XXXX | XXXX | 9133850 | XXXX C A B |
| XXXX | XXXX | 9133982 | XXXX D A B |
| XXXX | XXXX | 9133846 | XXXX A |
| XXXX | XXXX | 9133847 | XXXX A |
| XXXX | XXXX | 9133844 | XXXX A |
| XXXX | XXXX | 9119049 | XXXX D A |
| XXXX | XXXX | 9119075 | XXXX D A |
| XXXX | XXXX | 9133936 | XXXX C A |
| XXXX | XXXX | 9125126 | XXXX C A |
| XXXX | XXXX | 9133935 | XXXX C A |
| XXXX | XXXX | 9111456 | XXXX D A B |
| XXXX | XXXX | 9119042 | XXXX D A |
| XXXX | XXXX | 9130237 | XXXX A |
| XXXX | XXXX | 9133857 | XXXX A |
| XXXX | XXXX | 9133915 | XXXX C A |
| XXXX | XXXX | 9125122 | XXXX D A |
| XXXX | XXXX | 9133898 | XXXX A |
| XXXX | XXXX | 9130224 | XXXX C A B |
| XXXX | XXXX | 9134597 | XXXX D A |
| XXXX | XXXX | 9119078 | XXXX D A |
| XXXX | XXXX | 9125159 | XXXX C A |
| XXXX | XXXX | 9119053 | XXXX C A |
| XXXX | XXXX | 9119061 | XXXX C A |
| XXXX | XXXX | 9130234 | XXXX C A |
| XXXX | XXXX | 9125134 | XXXX C A B |
| XXXX | XXXX | 9130230 | XXXX A |
| XXXX | XXXX | 9146957 | XXXX A |
| XXXX | XXXX | 9146959 | XXXX A |
| XXXX | XXXX | 9081718 | XXXX A |
| XXXX | XXXX | 9146972 | XXXX D A |
| XXXX | XXXX | 9111431 | XXXX A C |
| XXXX | XXXX | 9125116 | XXXX A |
| XXXX | XXXX | 9134590 | XXXX A |
| XXXX | XXXX | 9146943 | XXXX A |
| XXXX | XXXX | 9119060 | XXXX A D B |
| XXXX | XXXX | 9134578 | XXXX D A |
| XXXX | XXXX | 9146958 | XXXX A |
| XXXX | XXXX | 9081741 | XXXX A |
| XXXX | XXXX | 9134579 | XXXX D A |
| XXXX | XXXX | 9156973 | XXXX D A |
| XXXX | XXXX | 9133895 | XXXX D A |
| XXXX | XXXX | 9100932 | XXXX D A |
| XXXX | XXXX | 9130207 | XXXX C A |
| XXXX | XXXX | 9146929 | XXXX A |
| XXXX | XXXX | 9134568 | XXXX C B A |
| XXXX | XXXX | 9125155 | XXXX C A |
| XXXX | XXXX | 9130222 | XXXX A |
| XXXX | XXXX | 9130236 | XXXX A D |
| XXXX | XXXX | 9125177 | XXXX C A |
| XXXX | XXXX | 9130229 | XXXX A |
| XXXX | XXXX | 9130218 | XXXX D A |
| XXXX | XXXX | 9146941 | XXXX D A |
| XXXX | XXXX | 9134586 | XXXX A |
| XXXX | XXXX | 9134592 | XXXX D A |
| XXXX | XXXX | 9134591 | XXXX D A |
| XXXX | XXXX | 9134576 | XXXX C A |
| XXXX | XXXX | 9134558 | XXXX D A |
| XXXX | XXXX | 9134554 | XXXX A |
| XXXX | XXXX | 9134594 | XXXX C A |
| XXXX | XXXX | 9134598 | XXXX D A |
| XXXX | XXXX | 9130223 | XXXX A |
| XXXX | XXXX | 9137760 | XXXX C A |
| XXXX | XXXX | 9146930 | XXXX A |
| XXXX | XXXX | 9156961 | XXXX D A |
| XXXX | XXXX | 9134577 | XXXX D C A B |
| XXXX | XXXX | 9146960 | XXXX C A |
| XXXX | XXXX | 9130232 | XXXX D A |
| XXXX | XXXX | 9130213 | XXXX A |
| XXXX | XXXX | 9134556 | XXXX C A |
| XXXX | XXXX | 9137885 | XXXX A C B |
| XXXX | XXXX | 9119030 | XXXX D A |
| XXXX | XXXX | 9137897 | XXXX A |
| XXXX | XXXX | 9125143 | XXXX A |
| XXXX | XXXX | 9125137 | XXXX D A |
| XXXX | XXXX | 9162638 | XXXX A |
| XXXX | XXXX | 9162664 | XXXX A |
| XXXX | XXXX | 9156950 | XXXX C A |
| XXXX | XXXX | 9134572 | XXXX C D A B |
| XXXX | XXXX | 9125139 | XXXX A |
| XXXX | XXXX | 9156955 | XXXX A |
| XXXX | XXXX | 9134587 | XXXX D A |
| XXXX | XXXX | 9137825 | XXXX A |
| XXXX | XXXX | 9134596 | XXXX A |
| XXXX | XXXX | 9158393 | XXXX D A |
| XXXX | XXXX | 9166076 | XXXX D A |
| XXXX | XXXX | 9146966 | XXXX A |
| XXXX | XXXX | 9158451 | XXXX A |
| XXXX | XXXX | 9158454 | XXXX D A |
| XXXX | XXXX | 9158519 | XXXX D A |
| XXXX | XXXX | 9158397 | XXXX C A B |
| XXXX | XXXX | 9134583 | XXXX A B |
| XXXX | XXXX | 9166095 | XXXX D A |
| XXXX | XXXX | 9134566 | XXXX C A |
| XXXX | XXXX | 9125156 | XXXX C A B |
| XXXX | XXXX | 9158464 | XXXX C A |
| XXXX | XXXX | 9146936 | XXXX A |
| XXXX | XXXX | 9166081 | XXXX D A |
| XXXX | XXXX | 9158366 | XXXX A |
| XXXX | XXXX | 9137933 | XXXX A |
| XXXX | XXXX | 9158596 | XXXX A |
| XXXX | XXXX | 9158565 | XXXX A D B |
| XXXX | XXXX | 9137775 | XXXX D A |

---

## Exhibit 99.3

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

**Exhibit 99.3 – Schedule 3**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Redaction ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| XXXX | XXXX | 8442244 | XXXX | Cash out Include Debt Paid at Close | closingDetailsNonCompliancePage | XXXX | XXXX | per settlement statement |
| XXXX | XXXX | 9036250 | XXXX | Property Type | propertyValuationPage | Townhouse | PUD | per appraisal |
| XXXX | XXXX | 9036250 | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | includes HOA payment |
| XXXX | XXXX | 9036250 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 29.44 | 35.94 | No 1008 provided. Audit data matches 1003 data. Tape DTI calculation is unknown. |
| XXXX | XXXX | 9067362 | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | Audit PITIA includes HOA |
| XXXX | XXXX | 9064736 | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.337 | 1.305 | Audit matches lender calculation worksheet |
| XXXX | XXXX | 9101452 | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | Audit includes HOA |
| XXXX | XXXX | 9081723 | XXXX | Property Type | propertyValuationPage | Townhouse | PUD | Per appraisal |
| XXXX | XXXX | 9081723 | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.276 | 1 | Audit matches Lender's DSCR Calculation |
| XXXX | XXXX | 9101375 | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | Audited PITIA includes HOA. |
| XXXX | XXXX | 9101375 | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.251 | 1 | Lender entered minimum DSCR instead of audited. |
| XXXX | XXXX | 9081724 | XXXX | Property Type | propertyValuationPage | Townhouse | PUD | Per Appraisal |
| XXXX | XXXX | 9081724 | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.276 | 1 | Per audit & matches lender |
| XXXX | XXXX | 9081738 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 6.32 | 0.17 | Income came in lower and REOS most are business did not include in payments. |
| XXXX | XXXX | 9081710 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 21.95 | 0.12 | Variance due to Audit calc. lower income |
| XXXX | XXXX | 9111448 | XXXX | Lender Name | notePage | XXXX | XXXX | per Note |
| XXXX | XXXX | 9111448 | XXXX | Interest Rate | notePage | 6.875 | 6.7500 | per Note |
| XXXX | XXXX | 9111448 | XXXX | Property Type | propertyValuationPage | PUD | Single Family Detached | per appraisal report |
| XXXX | XXXX | 9111448 | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.984 | 2.07 | audit matches with lender DSCR calc worksheet |
| XXXX | XXXX | 9111432 | XXXX | Calculated DSCR | diligenceFinalLookPage | 0.881 | 1 | Market Rent/PITIA. |
| XXXX | XXXX | 9100923 | XXXX | Property City | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 9133942 | XXXX | Note Date | notePage | XXXX | XXXX | Per note |
| XXXX | XXXX | 9133942 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | Per appraisal |
| XXXX | XXXX | 9133942 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 517.51 | DSCR DTI is N/A |
| XXXX | XXXX | 9133900 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note. |
| XXXX | XXXX | 9133900 | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per Appraisal. |
| XXXX | XXXX | 9133900 | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.012 | 1 | Subject Property Gross Rental Income/Total Subject Housing Expense |
| XXXX | XXXX | 9133852 | XXXX | Note Date | notePage | XXXX | XXXX | Per note |
| XXXX | XXXX | 9091825 | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.433 | 1.384 | Variance due to Lender using lower rental income |
| XXXX | XXXX | 9119037 | XXXX | Term | notePage | 360 | 120 | Per Note |
| XXXX | XXXX | 9119037 | XXXX | Lender Name | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 9119037 | XXXX | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal |
| XXXX | XXXX | 9119067 | XXXX | Term | notePage | 360 | 120 | per note |
| XXXX | XXXX | 9119067 | XXXX | Lender Name | notePage | XXXX | XXXX | per note |
| XXXX | XXXX | 9064758 | XXXX | Qualifying LTV | propertyValuationPage | 62.18 | 70.00 | Per 1008 |
| XXXX | XXXX | 9133845 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 1724.89 | DSCR |
| XXXX | XXXX | 9064763 | XXXX | Lender Name | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 9133880 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 9133880 | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per appraisal |
| XXXX | XXXX | 9133921 | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | XXXX | 9133850 | XXXX | Note Date | notePage | XXXX | XXXX | Per note |
| XXXX | XXXX | 9133982 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 9133982 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per Final CD |
| XXXX | XXXX | 9133982 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 20625.00 | DSCR |
| XXXX | XXXX | 9133847 | XXXX | Note Date | notePage | XXXX | XXXX | Per note |
| XXXX | XXXX | 9133847 | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per final CD |
| XXXX | XXXX | 9133844 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 9133844 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per initial 1003 |
| XXXX | XXXX | 9119049 | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.311 | 1 | Audit matches with Lender Calculation |
| XXXX | XXXX | 9119075 | XXXX | Calculated DSCR | diligenceFinalLookPage | 0.902 | 0.85 | Audit matches with Lender Calculation |
| XXXX | XXXX | 9133936 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 9133936 | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per CD |
| XXXX | XXXX | 9133936 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 34.65 | 26.30 | Per audit used most recent 24 month bank statements. |
| XXXX | XXXX | 9133935 | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | XXXX | 9133935 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 295.66 | DSCR loan no DTI |
| XXXX | XXXX | 9111456 | XXXX | Property Value | propertyValuationPage | XXXX | XXXX | Per Appraisal. |
| XXXX | XXXX | 9111456 | XXXX | Qualifying LTV | propertyValuationPage | 50.57 | 48.71 | Per 1008 |
| XXXX | XXXX | 9111456 | XXXX | Qualifying CLTV | propertyValuationPage | 50.57 | 48.71 | Per 1008 |
| XXXX | XXXX | 9111456 | XXXX | Qualifying FICO | creditLiabilitiesPage | 784 | 793 | Lower of 2 considered. |
| XXXX | XXXX | 9111456 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 28.33 | 42.68 | Audit matches Lender 1008 |
| XXXX | XXXX | 9119042 | XXXX | Lender Name | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 9119042 | XXXX | Property Type | propertyValuationPage | PUD | Single Family Detached | Per title |
| XXXX | XXXX | 9130237 | XXXX | Term | notePage | 360 | 120 | Per note |
| XXXX | XXXX | 9130237 | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.144 | 1.03 | Audit matches DSCR calculation in file |
| XXXX | XXXX | 9133915 | XXXX | Number of Units | propertyValuationPage | 6 | 5 | Per appraisal |
| XXXX | XXXX | 9133915 | XXXX | Property Type | propertyValuationPage | 5-10 Unit Multi-Family | Single Family Detached | Per appraisal |
| XXXX | XXXX | 9125122 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 48.80 | Asset depletion-NO DTI |
| XXXX | XXXX | 9134597 | XXXX | Calculated DSCR | diligenceFinalLookPage | 2.109 | 1 | Audit matches with Lender Calculation |
| XXXX | XXXX | 9119053 | XXXX | Property Type | propertyValuationPage | Townhouse | PUD | Per appraisal |
| XXXX | XXXX | 9119053 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 32.06 | 12.00 | Audit matches final 1008 |
| XXXX | XXXX | 9125134 | XXXX | Interest Rate | notePage | 7.625 | 7.5000 | Per Note |
| XXXX | XXXX | 9081718 | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | per appraisal |
| XXXX | XXXX | 9146972 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 34.52 | 37.09 | Variance due to Lender using higher primary payment and REO |
| XXXX | XXXX | 9125116 | XXXX | Loan Amount | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 9119060 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 26.29 | 24.24 | Variance due to Lender excluding a secured credit line payment |
| XXXX | XXXX | 9156973 | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.121 | 1.3354 | Variance due to Lender using higher hazard |
| XXXX | XXXX | 9133895 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 9133895 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per Initial 1003 |
| XXXX | XXXX | 9133895 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 416.21 | DSCR loan |
| XXXX | XXXX | 9134568 | XXXX | Qualifying LTV | propertyValuationPage | 52.63 | 53.00 | loan amount/appraisal value |
| XXXX | XXXX | 9134568 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 46.17 | 37.00 | Audit matches Lender's 1008 |
| XXXX | XXXX | 9125155 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 42.89 | 38.00 | Per 1008. |
| XXXX | XXXX | 9125177 | XXXX | Borrower 1 Last Name | notePage | XXXX | XXXX | per Note |
| XXXX | XXXX | 9130229 | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.953 | 3.155 | Audit matches with Lender Calculation |
| XXXX | XXXX | 9146941 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 12.53 | 10.00 | Variance due to Lender using large deposits in income calc. |
| XXXX | XXXX | 9134586 | XXXX | Loan Amount | notePage | XXXX | XXXX | per note |
| XXXX | XXXX | 9134586 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | Per appraisal and Title. |
| XXXX | XXXX | 9134592 | XXXX | Property City | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 9134592 | XXXX | Borrower 1 Last Name | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 9134591 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 33.56 | 40.00 | Variance due to Audit calc. lower REO |
| XXXX | XXXX | 9134576 | XXXX | Property Type | propertyValuationPage | XXXX | PUD | Per appraisal |
| XXXX | XXXX | 9134576 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 39.03 | 36.00 | Audit matches Lender's 1008 |
| XXXX | XXXX | 9134558 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 37.05 | 35.00 | Variance due to Audit calculating higher REO |
| XXXX | XXXX | 9134554 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 36.91 | 31.00 | Variance due to Audit calc. higher REO |
| XXXX | XXXX | 9134594 | XXXX | Originator Doc Type | employmentIncomePage | 1YR Full Doc | 24 Mo Full Documentation | Only one year of documentation provided. |
| XXXX | XXXX | 9134598 | XXXX | Loan Amount | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 9134598 | XXXX | Property Type | propertyValuationPage | Townhouse | PUD | Per appraisal |
| XXXX | XXXX | 9134598 | XXXX | Qualifying LTV | propertyValuationPage | XXXX | XXXX | Per 1008 |
| XXXX | XXXX | 9146930 | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.057 | 0.95 | Lender DSCR calc had a higher P&I. |
| XXXX | XXXX | 9134556 | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.585 | 16 | Audit matches with Lender Calculation |
| XXXX | XXXX | 9137885 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | Per appraisal |
| XXXX | XXXX | 9137885 | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per Final CD |
| XXXX | XXXX | 9137885 | XXXX | Qualifying Total Reserves Number of Months | assetPage | 16.58 | 38.00 | Per cash our proceeds and checking |
| XXXX | XXXX | 9119030 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 33.87 | 7.96 | 1008 reflects DTI of 30.62% and variance due to Lender not including the subject PITIA |
| XXXX | XXXX | 9125137 | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.335 | 1.3014 | Variance due to Lender not including flood insurance |
| XXXX | XXXX | 9156950 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 49.88 | 46.00 | Audit matches Lender's 1008 |
| XXXX | XXXX | 9125139 | XXXX | Calculated DSCR | diligenceFinalLookPage | 0.938 | 0.98 | Audit matches with Lender Calculation |
| XXXX | XXXX | 9134587 | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.542 | 1.604 | Audit received 1007 in trailing. DSCR calculation validated. |
| XXXX | XXXX | 9134596 | XXXX | Loan Amount | notePage | XXXX | XXXX | Per Note. |
| XXXX | XXXX | 9134596 | XXXX | Borrower 1 Last Name | notePage | XXXX | XXXX | Per Note. |
| XXXX | XXXX | 9158454 | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | Per Appraisal |
| XXXX | XXXX | 9158454 | XXXX | Qualifying Total Reserves Number of Months | assetPage | 17.67 | 97.00 | Per checking account, tape includes HELOC which was not used by borrower. |
| XXXX | XXXX | 9158454 | XXXX | Total Qualified Assets Available For Reserves | assetPage | XXXX | XXXX | Per checking account, tape includes HELOC which was not used by borrower. |
| XXXX | XXXX | 9158397 | XXXX | Calculated DSCR | diligenceFinalLookPage | 0.918 | 1.0759 | Lender used rent from 1007. Guidelines allow market rent to be capped at 120% above the lease rent. |
| XXXX | XXXX | 9134583 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 24.82 | 20.26 | Audit in line with 1008 |
| XXXX | XXXX | 9166095 | XXXX | Qualifying LTV | propertyValuationPage | 71.94 | 72.00 | Per 1008. |
| XXXX | XXXX | 9166095 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 14.54 | 10.00 | Review included new primary listed on 1003 |
| XXXX | XXXX | 9125156 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 28.69 | 17.20 | audit DTI inline w/ 1008 |
| XXXX | XXXX | 9158464 | XXXX | Qualifying Total Reserves Number of Months | assetPage | 34.04 | 6.00 | Cash out proceeds |
| XXXX | XXXX | 9146936 | XXXX | Originator Doc Type | employmentIncomePage | 12 Month Bank Statement | 24 Mo Bank Statement | Per docs provided. |
| XXXX | XXXX | 9158366 | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 9158366 | XXXX | Originator QM Status | diligenceFinalLookPage | XXXX | XXXX | Primary home not exempt |
| XXXX | XXXX | 9137933 | XXXX | Qualifying Total Reserves Number of Months | assetPage | 26.32 | 3.00 | Per asset documents in the file. |
| XXXX | XXXX | 9158596 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per CD |
| XXXX | XXXX | 9158565 | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per Final CD |
| XXXX | XXXX | 9158565 | XXXX | Originator QM Status | diligenceFinalLookPage | XXXX | XXXX | Purchase primary residence. Loan is HPML |
| XXXX | XXXX | 9158565 | XXXX | Total Qualified Assets Available For Reserves | assetPage | XXXX | XXXX | Audit used 80% of business account. Per Bylaw's B1 is 80% owner. |
| XXXX | XXXX | 9158565 | XXXX | Qualifying Total Reserves Number of Months | assetPage | 25.57 | 40.00 | Audit used 80% of business account. Per Bylaw's B1 is 80% owner. |
| XXXX | XXXX | 9137775 | XXXX | Borrower 1 Qualifying Income | employmentIncomePage | XXXX | XXXX | Auditor came in lower then Lender . Based on income documentation in file. |
| XXXX | XXXX | 9137775 | XXXX | Total Qualifying Income | employmentIncomePage | XXXX | XXXX | Auditor came in lower then Lender . Based on income documentation in file. |
| XXXX | XXXX | 9137775 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 29.22 | 23.42 | Auditor came in lower then Lender . Based on income documentation in file. |

---

## Exhibit 99.3

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

**Exhibit 99.3 – Schedule 4**

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Redaction ID** | **Lender Application Date** | **Originator QM Status** | **Final QM Status** | **Originator QM Status Difference than Final QM Status?** | **Reason Why NonQM Final Status** | **APR Pricing Threshold Exceeded?** | **QM DTI Threshold Exceeded?** | **Higher Priced Mortgage Loan (HPML)?** | **Negatively Amortizing Loan?** | **Principal Deferment?** | **Interest Only Flag?** | **Prepayment Penalty?** | **Balloon Flag?** | **Adjustable Rate Balloon?** | **Loan Term Less Than 5 Years?** | **QM Points and Fees Threshold Exceeded?** | **QM Total Points and Fees** | **APR** | **ATR: Qualifying Payment Properly Considered?** | **ATR: Current Employment/Self-Employment Verified?** | **ATR: Balloon Qualifying Payment Properly Considered?** | **ATR: Reasonable Income or Assets Considered?** | **ATR: Subject PITIA Adequately Documented?** | **ATR: All Liabilities Including Alimony and Child Support in DTI?** | **ATR: Simultaneous Loan Calculated Properly** | **ATR: Credit History was Considered Properly?** | **ATR: Did Lender Document All ATR Factors?** | **ATR: Was an ATR/QM Residual Income Analysis Provided?** | **Residual Income** | **Residual Income Meets Guidelines?** | **Borrower 1 Employment Indicator** | **Borrower 2 Employment Indicator** | **Borrower 1 Foreign National Indicator** | **Borrower 2 Foreign National Indicator** | **Business Purpose Loan?** | **Business Purpose Verified?** |
| XXXX | XXXX | 8058958 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 8442244 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9036250 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 24559.48 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | XXXX | 9067362 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9064736 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| XXXX | XXXX | 9101452 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9081723 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9101403 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9101375 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9081724 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9081738 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | Yes | N/A | Yes | N/A | N/A | 109030.29 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | XXXX | 9081710 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A | N/A | N/A | 90834.5 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | XXXX | 9091820 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9081748 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9111448 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9111432 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9100923 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9091802 | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | No | No | No | No | No | No | No | No | Yes | 5079.4 | 7.305 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 1811.36 | Yes | Retired |  | No |  | No |  |
| XXXX | XXXX | 9133942 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9111452 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9111441 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9133900 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9133852 | 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 | 8975 | 7.98 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 10481.58 | N/A | Employed |  | No |  | No |  |
| XXXX | XXXX | 9091825 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9119037 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | Yes | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9119067 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | Yes | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9064758 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9133845 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9064763 | 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 | 2410 | 8.086 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 2781.25 | Yes | Employed |  | No |  | No |  |
| XXXX | XXXX | 9133880 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A | Yes | Yes | 38580 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | XXXX | 9133921 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 281186.6 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | XXXX | 9133850 | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 14685.48 | 10.186 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 61627.74 | Yes | Employed |  | No |  | No |  |
| XXXX | XXXX | 9133982 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9133846 | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 15130.75 | 9.972 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 26092.47 | Yes | Employed |  | No |  | No |  |
| XXXX | XXXX | 9133847 | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 10035 | 8.255 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6903.96 | Yes | Employed |  | No |  | No |  |
| XXXX | XXXX | 9133844 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9119049 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9119075 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9133936 | 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 | 12482.5 | 7.182 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 19946.03 | Yes | Employed |  | No |  | No |  |
| XXXX | XXXX | 9125126 | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 7194 | 8.832 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 11791.23 | Yes | Employed |  | No |  | No |  |
| XXXX | XXXX | 9133935 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9111456 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 8660.72 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | XXXX | 9119042 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| XXXX | XXXX | 9130237 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9133857 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9133915 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9125122 | 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 | 11239.61 | 6.976 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 21296 | Yes | Not Employed |  | No |  | No |  |
| XXXX | XXXX | 9133898 | 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 | 21705 | 7.905 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 26007.05 | Yes | Employed |  | No |  | No |  |
| XXXX | XXXX | 9130224 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 8298.22 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | XXXX | 9134597 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9119078 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | Yes | N/A | Yes | N/A | N/A | 12827.35 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | XXXX | 9125159 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9119053 | 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 | 2449 | 7.696 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 23330.13 | Yes | Retired | Employed | No | No | No |  |
| XXXX | XXXX | 9119061 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9130234 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 45586.73 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | XXXX | 9125134 | 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 | 2439 | 7.672 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 603931.19 | Yes | Employed | Not Employed | No | No | No |  |
| XXXX | XXXX | 9130230 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 22570 | 7.226 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9092.32 | Yes | Employed |  | No |  | No |  |
| XXXX | XXXX | 9146957 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9146959 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9081718 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9146972 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 18314.69 | Yes | Employed | Not Employed | No | No | Yes | Present |
| XXXX | XXXX | 9111431 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | No | No | No | No |  |  |  | N/A | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 112534.27 | Yes | Employed | Not Employed | No | No | Yes | Present |
| XXXX | XXXX | 9125116 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9134590 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 9517.13 | Yes | Employed | Employed | No | No | Yes | Present |
| XXXX | XXXX | 9146943 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9119060 | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Interest Only | No | No | No | No | No | Yes | No | No | No | No | No | 52745 | 7.198 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 74689.85 | Yes | Employed |  | No |  | No |  |
| XXXX | XXXX | 9134578 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| XXXX | XXXX | 9146958 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9081741 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9134579 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9156973 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9133895 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9100932 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| XXXX | XXXX | 9130207 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9146929 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| XXXX | XXXX | 9134568 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 5045 | 7.628 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 20084.31 | Yes | Employed | Employed | No | No | No |  |
| XXXX | XXXX | 9125155 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A | N/A | N/A | 12624.46 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | XXXX | 9130222 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9130236 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9125177 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9130229 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| XXXX | XXXX | 9130218 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | Yes | Yes | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9146941 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 50321.15 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | XXXX | 9134586 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9134592 | XXXX | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9134591 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | Yes | Yes | Yes | N/A | N/A | Yes | N/A | 72904.45 | Yes | Not Employed | Employed | No | No | Yes | Present |
| XXXX | XXXX | 9134576 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 37575.63 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | XXXX | 9134558 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A | Yes | N/A | 69074.9 | Yes | Not Employed | Employed | No | No | Yes | Present |
| XXXX | XXXX | 9134554 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | Yes | Yes | N/A | N/A | Yes | N/A | 69222.87 | Yes | Employed | Not Employed | No | No | Yes | Present |
| XXXX | XXXX | 9134594 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 1495 | 7.269 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 26895.83 | Yes | Retired | Employed | No | No | No |  |
| XXXX | XXXX | 9134598 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9130223 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9137760 | 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 | 38084 | 7.205 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 51215.74 | N/A | Employed |  | No |  | No |  |
| XXXX | XXXX | 9146930 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9156961 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9134577 | 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 | 2015 | 7.555 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 65734.95 | Yes | Employed |  | No |  | No |  |
| XXXX | XXXX | 9146960 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9130232 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9130213 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9134556 | XXXX | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9137885 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 8067 | 7.897 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8867.48 | Yes | Employed |  | No |  | No |  |
| XXXX | XXXX | 9119030 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A | N/A | N/A | 9637.91 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | XXXX | 9137897 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9125143 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 0 | 6.652 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 4674.68 | Yes | Employed |  | No |  | No |  |
| XXXX | XXXX | 9125137 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9162638 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9162664 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9156950 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 16557.93 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | XXXX | 9134572 | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | No | No | No | No | No | No | No | No | Yes | 5127.5 | 6.922 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 7875.33 | Yes | Employed |  | No |  | No |  |
| XXXX | XXXX | 9125139 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9156955 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9134587 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| XXXX | XXXX | 9137825 | 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 | No | Yes | Present |
| XXXX | XXXX | 9134596 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9158393 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| XXXX | XXXX | 9166076 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9146966 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9158451 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9158454 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9158519 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 5058.75 | 8.234 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9007.8 | Yes | Employed | Employed | No | No | No |  |
| XXXX | XXXX | 9158397 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| XXXX | XXXX | 9134583 | 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 | 10209.5 | 7.482 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12247.11 | Yes | Employed | Employed | No | No | No |  |
| XXXX | XXXX | 9166095 | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | Yes | No | No | No | Yes | 13595 | 8.803 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 117141.46 | Yes | Employed |  | No |  | No |  |
| XXXX | XXXX | 9134566 | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Interest Only | No | Yes | No | No | No | Yes | No | No | No | No | No | 1790 | 7.309 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9788.4 | Yes | Retired | Retired | No | No | No |  |
| XXXX | XXXX | 9125156 | 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 | 1710 | 7.099 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7670.47 | Yes | Employed |  | No |  | No |  |
| XXXX | XXXX | 9158464 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| XXXX | XXXX | 9146936 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 6135.92 | Yes | Employed | Employed | No | No | Yes | Present |
| XXXX | XXXX | 9166081 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 16692.51 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | XXXX | 9158366 | 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 | 8795 | 8.428 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3940.93 | Yes | Employed |  | No |  | No |  |
| XXXX | XXXX | 9137933 | 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 | 9168.98 | 7.764 | Yes | N/A | N/A | N/A | N/A | Yes | N/A | Yes | Yes | Yes | 145206.8 | Yes | Employed |  | No |  | No |  |
| XXXX | XXXX | 9158596 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 27355.41 | N/A | Employed |  | No |  | Yes | Present |
| XXXX | XXXX | 9158565 | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 15510 | 8.382 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 39484.68 | N/A | Employed |  | No |  | No |  |
| XXXX | XXXX | 9137775 | 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 | 7414 | 7.193 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 56257.26 | Yes | Employed |  | No |  | No |  |

---

## Exhibit 99.3

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

**Exhibit 99.3 – Schedule 5**

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| **Loan ID** | **Seller Loan ID** | **Redaction ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| XXXX | XXXX | 8058958 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 76.92 | 76.92 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 8442244 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 60.0 | 60.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9036250 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 9067362 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | XXXX |
| XXXX | XXXX | 9064736 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9101452 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | XXXX |
| XXXX | XXXX | 9081723 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9101403 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 9101375 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 61.23 | 61.23 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9081724 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible | 2.5 | XXXX |
| XXXX | XXXX | 9081738 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 9081710 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 9091820 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9081748 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.9 | XXXX |
| XXXX | XXXX | 9111448 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 36.36 | 36.36 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9111432 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9100923 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 73.19 | 73.19 | XXXX | XXXX | -.0074 | 1004 URAR |  |  |  |  | XXXX | XXXX | -.0074 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9091802 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 75.0 | 75.0 | XXXX | XXXX | -.0435 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0435 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.4 | XXXX |
| XXXX | XXXX | 9133942 | XXXX | XXXX |  | XXXX | XXXX | XXXX | Other | XXXX | 70.0 | 70.0 | XXXX | XXXX | -.0054 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0054 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9111452 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9111441 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | XXXX | -.0313 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0312 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | XXXX |
| XXXX | XXXX | 9133900 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 68.18 | 68.18 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9133852 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1.3 | XXXX |
| XXXX | XXXX | 9091825 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9119037 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9119067 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 64.89 | 64.89 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9064758 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 62.18 | 62.18 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.1 | XXXX |
| XXXX | XXXX | 9133845 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | XXXX | Not Eligible | 1.9 | XXXX |
| XXXX | XXXX | 9064763 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 51.63 | 51.63 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | XXXX |
| XXXX | XXXX | 9133880 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9133921 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 78.97 | 78.97 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 9133850 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 90.0 | 90.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | 1.9 | XXXX |
| XXXX | XXXX | 9133982 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 68.91 | 68.91 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | XXXX |
| XXXX | XXXX | 9133846 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 90.0 | 90.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 9133847 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 9133844 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9119049 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 9119075 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX |
| XXXX | XXXX | 9133936 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 85.0 | 85.0 | XXXX | XXXX | -.0056 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0056 | 96.0 | 0.04 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9125126 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9133935 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 68.1 | 68.1 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible |  |  |
| XXXX | XXXX | 9111456 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 50.57 | 50.57 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9119042 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 65.0 | 65.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Excellent | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9130237 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 74.21 | 74.21 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9133857 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 59.09 | 59.09 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XXXX |
| XXXX | XXXX | 9133915 | XXXX | XXXX |  | XXXX | XXXX | XXXX | Other | XXXX | 48.28 | 48.28 | XXXX | XXXX | .0000 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9125122 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 51.0 | 51.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9133898 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XXXX |
| XXXX | XXXX | 9130224 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible | 2.6 | XXXX |
| XXXX | XXXX | 9134597 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 45.35 | 45.35 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9119078 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 63.29 | 63.29 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 9125159 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9119053 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 29.76 | 29.76 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | XXXX | Not Eligible | 2.5 | XXXX |
| XXXX | XXXX | 9119061 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9130234 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | 1.5 | XXXX |
| XXXX | XXXX | 9125134 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible | 2 | XXXX |
| XXXX | XXXX | 9130230 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 58.82 | 58.82 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.4 | XXXX |
| XXXX | XXXX | 9146957 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 74.45 | 74.45 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible |  |  |
| XXXX | XXXX | 9146959 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible |  |  |
| XXXX | XXXX | 9081718 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9146972 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 9111431 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 69.77 | 69.77 | XXXX | XXXX | .0000 | 1004 URAR |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9125116 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 73.51 | 73.51 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | XXXX |
| XXXX | XXXX | 9134590 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9146943 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9119060 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 50.0 | 50.0 | XXXX | XXXX | .0200 | 1004 URAR |  |  |  |  | XXXX | XXXX | .0200 | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9134578 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 | XXXX |
| XXXX | XXXX | 9146958 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 74.45 | 74.45 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible |  |  |
| XXXX | XXXX | 9081741 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 9134579 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible |  |  |
| XXXX | XXXX | 9156973 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 69.92 | 69.92 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9133895 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 9100932 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 62.07 | 62.07 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9130207 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 65.0 | 65.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible |  |  |
| XXXX | XXXX | 9146929 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 9134568 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 52.63 | 52.63 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | XXXX | Not Eligible |  |  |
| XXXX | XXXX | 9125155 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9130222 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XXXX |
| XXXX | XXXX | 9130236 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 68.75 | 68.75 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX |
| XXXX | XXXX | 9125177 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible | 1.1 | XXXX |
| XXXX | XXXX | 9130229 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9130218 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 9146941 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9134586 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1.2 | XXXX |
| XXXX | XXXX | 9134592 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 22.56 | 22.56 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9134591 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9134576 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9134558 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9134554 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9134594 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 50.0 | 50.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible |  |  |
| XXXX | XXXX | 9134598 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 74.81 | 74.81 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible |  |  |
| XXXX | XXXX | 9130223 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9137760 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | XXXX | -.0668 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0668 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.9 | XXXX |
| XXXX | XXXX | 9146930 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 74.0 | 74.0 | XXXX | XXXX | -.0909 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0909 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9156961 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9134577 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 63.64 | 63.64 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX |
| XXXX | XXXX | 9146960 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 60.0 | 60.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9130232 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 39.46 | 39.46 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9130213 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 71.08 | 71.08 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 | XXXX |
| XXXX | XXXX | 9134556 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 49.82 | 49.82 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9137885 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | XXXX |
| XXXX | XXXX | 9119030 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9137897 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 53.49 | 53.49 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 9125143 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 9125137 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9162638 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 55.0 | 55.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 9162664 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 9156950 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 42.11 | 42.11 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9134572 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 15.63 | 15.63 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | 2.1 | XXXX |
| XXXX | XXXX | 9125139 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 68.05 | 68.05 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | XXXX |
| XXXX | XXXX | 9156955 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9134587 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 33.28 | 33.28 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 9137825 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 9134596 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | XXXX |
| XXXX | XXXX | 9158393 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9166076 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 69.94 | 69.94 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX |
| XXXX | XXXX | 9146966 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 49.98 | 49.98 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible | 1.1 | XXXX |
| XXXX | XXXX | 9158451 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | XXXX |
| XXXX | XXXX | 9158454 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | XXXX | -.0056 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0056 | 98.0 | 0.02 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 | XXXX |
| XXXX | XXXX | 9158519 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 90.0 | 90.0 | XXXX | XXXX | -.0135 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0135 | 90.0 | 0.1 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 9158397 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 9134583 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 26.39 | 26.39 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | XXXX | Not Eligible | 1 | XXXX |
| XXXX | XXXX | 9166095 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 71.94 | 71.94 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 9134566 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 50.0 | 50.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | XXXX |
| XXXX | XXXX | 9125156 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 38.46 | 38.46 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 9158464 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 25.66 | 25.66 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 9146936 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 9166081 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 37.86 | 37.86 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | XXXX | Not Eligible | 2.5 | XXXX |
| XXXX | XXXX | 9158366 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 58.32 | 58.32 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | XXXX |
| XXXX | XXXX | 9137933 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 69.38 | 69.38 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.3 | XXXX |
| XXXX | XXXX | 9158596 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 55.96 | 55.96 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 | XXXX |
| XXXX | XXXX | 9158565 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9137775 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 31.75 | 31.75 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible | 1.4 | XXXX |

---

## Exhibit 99.4

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

**Exhibit 99.4**

![](ex994001.jpg)

![](ex994002.jpg)

**July 30, 2025**<br> **Due Diligence Narrative Report** <br>

![](ex994001.jpg)

**Table of Contents**

---

| | |
|:---|:---|
| **Overview** | **2** |
| **Originators** | **2** |
| **Clayton's Third Party Review ("TPR") Scope of Work** | **3** |
| &nbsp;&nbsp;&nbsp;Sampling | 3 |
| &nbsp;&nbsp;&nbsp;Sponsor Acquisition Criteria | 3 |
| &nbsp;&nbsp;&nbsp;Loan Grading | 3 |
| &nbsp;&nbsp;&nbsp;TPR Component Review Scope | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Credit Review | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Property Valuation Review | 5 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Regulatory Compliance Review | 5 |
| &nbsp;&nbsp;&nbsp;Data Capture | 7 |
| &nbsp;&nbsp;&nbsp;Data Integrity | 7 |
| **Data Compare Results** | **8** |
| **Clayton Due Diligence Results** | **9** |
| **Clayton Third Party Reports Delivered** | **10** |
| **Appendix A: Credit Review Scope** | **11** |
| **Appendix B: Origination Appraisal Assessment** | **14** |
| **Appendix C: Regulatory Compliance Review Scope** | **17** |

---

MSRM 2025-NQM6 Due Diligence Narrative Report Page \| 1 July 30, 2025

![](ex994001.jpg)

Clayton Contact Information

Client Service Management:

---

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

---

---

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

---

**Overview** 

On behalf of theLender, Clayton conducted an independent third-party pre-securitization due diligence review of 75 residential loans. These loans were sold to Morgan Stanley Mortgage Capital Holdings LLC (MSMCH) or one of its affiliates and the diligence results were provided to MSMCH pursuant to a reliance letter.

On behalf of HomeXpress Mortgage Corp, Clayton conducted an independent third-party pre-securitization due diligence review of 25 residential loans. These loans were sold to Morgan Stanley Mortgage Capital Holdings LLC (MSMCH) or one of its affiliates and the diligence results were provided to MSMCH pursuant to a reliance letter.

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

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

On behalf of Morgan Stanley, Clayton conducted an independent third-party pre-securitization due diligence review of 1 residential loan.

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

**Originators** 

Origination channels for the loan in this review:

---

| | | |
|:---|:---|:---|
| **Origination Channel** | **Loan Count** | **Percentage** |
| Broker | 98 | 95.15% |
| Retail | 5 | 4.85% |
| **Total** | **103** | **100.00%** |

---

MSRM 2025-NQM6 Due Diligence Narrative Report Page \| 2 July 30, 2025

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

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

Sampling

For all originators in this transaction, 50.49% of the loans received a Full Review as described below.

Review Type Loan Counts:

---

| | | |
|:---|:---|:---|
| ***Review Type*** | ***Loan Count*** <br> ***Reviewed by Clayton***  | ***Scope Applied*** |
| **Full Review** | 52\* | Clayton performed a Full Review based on the scope described below in the section titled "TPR Component Review Scope". |
| **Total Loan Population** | 103  |  |

---

\*51 loans were not reviewed for regulatory compliance in accordance with paragraph 2 of the "Compliance Review (Business Purpose, Non-Owner Occupied)"

Sponsor Acquisition Criteria

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

Loan Grading

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

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

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

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TPR Component Review Scope

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

Credit Review

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

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

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

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

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

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

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

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

Property Valuation Review

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Original
 Appraisal Assessment (103 loans)

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Value
 Supported Analysis (64 loans)

Clayton applied a cascade methodology to determine if the original appraised value was reasonably supported when compared to an independent third-party valuation product. Clayton had independent access to all products listed below.

● AVM

● BPO

● Desk Review

● Field Review

● Second Full Appraisal

57 loans had CU scores of 2.5 or less and did not require a third-party valuation. For further detail please refer to the MSRM 2025-NQM6 Valuations Summary Report

Regulatory Compliance Review

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

(For more detail, please refer to <u>Appendix C</u>.)

Clayton utilized its proprietary eCLAS engine for regulatory compliance testing.

The scope of the compliance review performed is summarized below:

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

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

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

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

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

– TIL APR and Finance charge tolerances;

– Timeliness of ARM Disclosures (if applicable);

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

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

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

– Prepayment Penalty restrictions;

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

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

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

– GFE initial disclosure timing and content;

– Confirmed the file contains the final HUD1 Settlement Statement;

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

– Homeownership Counseling Notice; and

– Affiliated Business Disclosure if applicable.

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

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

Following the June 15<sup>th</sup> , 2016 formal publication of the RMBS 3.0 TRID Compliance Review Scope©, Clayton reviewed prior testing results dating back to the TRID Effective Date, and applied the enhanced RMBS 3.0 TRID Compliance Review Scope to such loans upon the affirmative election by Morgan Stanley Mortgage Capital Holdings.

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

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

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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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● Minnesota §58 on or after 8/1/2008

Prepayment Penalties and Late Charges in certain states

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● Sufficiency of coverage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● Escrow of insurance payments

Data Capture

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

Data Integrity

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

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

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

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

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

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

**Data Compare Results** 

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

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Field Name** | &nbsp;&nbsp;**#** | &nbsp;&nbsp;**Accuracy %** |
| &nbsp;&nbsp;Borrower 1 Self Employed Flag | &nbsp;&nbsp;1 | &nbsp;&nbsp;99.03% |
| &nbsp;&nbsp;Borrower 1 Total Income | &nbsp;&nbsp;6 | &nbsp;&nbsp;94.17% |
| &nbsp;&nbsp;Borrower 2 First Name | &nbsp;&nbsp;2 | &nbsp;&nbsp;98.06% |
| &nbsp;&nbsp;Borrower 2 Last Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;99.03% |
| &nbsp;&nbsp;Borrower DSCR Percent | &nbsp;&nbsp;7 | &nbsp;&nbsp;93.20% |
| &nbsp;&nbsp;Cash Reserves | &nbsp;&nbsp;43 | &nbsp;&nbsp;58.25% |
| &nbsp;&nbsp;Combined LTV | &nbsp;&nbsp;12 | &nbsp;&nbsp;88.35% |
| &nbsp;&nbsp;Credit Report Date | &nbsp;&nbsp;7 | &nbsp;&nbsp;93.20% |
| &nbsp;&nbsp;Debt to Income Ratio (Back) | &nbsp;&nbsp;3 | &nbsp;&nbsp;97.09% |
| &nbsp;&nbsp;Disbursement Date | &nbsp;&nbsp;12 | &nbsp;&nbsp;88.35% |
| &nbsp;&nbsp;Ever in Foreclosure | &nbsp;&nbsp;1 | &nbsp;&nbsp;99.03% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;1 | &nbsp;&nbsp;99.03% |
| &nbsp;&nbsp;Months Reserves | &nbsp;&nbsp;43 | &nbsp;&nbsp;58.25% |
| &nbsp;&nbsp;Original Appraisal Date | &nbsp;&nbsp;9 | &nbsp;&nbsp;91.26% |
| &nbsp;&nbsp;Original Appraised Value | &nbsp;&nbsp;2 | &nbsp;&nbsp;98.06% |
| &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;2 | &nbsp;&nbsp;98.06% |
| &nbsp;&nbsp;Origination Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;99.03% |
| &nbsp;&nbsp;Product Type | &nbsp;&nbsp;7 | &nbsp;&nbsp;93.20% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;3 | &nbsp;&nbsp;97.09% |
| &nbsp;&nbsp;Property Zip | &nbsp;&nbsp;1 | &nbsp;&nbsp;99.03% |
| &nbsp;&nbsp;Representative Credit Score for Grading | &nbsp;&nbsp;4 | &nbsp;&nbsp;96.12% |
| &nbsp;&nbsp;Total Cash Out | &nbsp;&nbsp;62 | &nbsp;&nbsp;39.81% |
| &nbsp;&nbsp;Total Monthly Income | &nbsp;&nbsp;8 | &nbsp;&nbsp;92.23% |

---

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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** 

<u>Loan Pool (103 loans)</u>

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 58 | 3 | 8 | 9 | **78** |
| **Final** | **B** |  | 12 | 7 | 6 | **25** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **58** | **15** | **15** | **15** | **103** |

---

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

**Initial and Final Credit Component Grade Results** 

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | A | 67 | 2 | 6 | 9 | **84** |
| **Final** | B |  | 10 | 5 | 4 | **19** |
| **Final** | C |  |  |  |  | **0** |
| **Final** | D |  |  |  |  | **0** |
| **Final** | **Total** | **67** | **12** | **11** | **13** | **103** |

---

**Initial and Final Property Valuation Grade Results** 

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | A | 95 |  | 4 | 1 | **100** |
| **Final** | B |  | 3 |  |  | **3** |
| **Final** | C |  |  |  |  | **0** |
| **Final** | D |  |  |  |  | **0** |
| **Final** | **Total** | **95** | **3** | **4** | **1** | **103** |

---

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

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | A | 44 | 1 | 1 | 2 | **48** |
| **Final** | B |  |  | 4 |  | **4** |
| **Final** | C |  |  |  |  | **0** |
| **Final** | D |  |  |  |  | **0** |
| **Final** | **Total** | **44** | **1** | **5** | **2** | **52** |

---

\*Compliance results may not tie to total loan count based on business entity loans not being subject to a regulatory compliance review (51 loans in pool)

**Clayton Third Party Reports Delivered** 

Clayton furnished the following reports on this transaction:

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

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

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

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

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

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

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

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

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

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

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

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**Appendix A: Credit Review Scope** 

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

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

○ DTI

○ LTV/TLTV/HLTV

○ Credit score

○ Income and employment

○ Assets and reserves

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

○ Borrower eligibility, including:

– Citizenship status

– Non- occupant co-borrower

○ Transaction eligibility, including:

Maximum loan amount

– Loan purpose

– Occupancy

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

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

○ Uniform Residential Loan Application reviewed to determine:

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

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

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

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

– Income documentation

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

– CPA letter

– Business licenses

– Tax transcripts (IRS Form 4506-T)

– Other documentation in loan file

○ Income review included:

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

– Documents did not appear to have been altered or inconsistent

– IRS Form 4506-T

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

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

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

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

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

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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;▪ Paystubs

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

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

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

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

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

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

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

○ Asset review included:

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

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

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

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

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

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

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

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

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

○ Credit Report review included:

– Complete copy of report was in loan file

– Report was dated within required timeframe

– All borrowers were included in the report

– Checked any fraud alerts against related loan file documentation

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

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

– Captured and utilized appropriate credit score for guideline review

○ Title policy review included:

– Title interest – determined if

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

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

– Appropriate vestee(s) were listed on title policy

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

– Applicable title endorsements were present

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

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

– Captured monthly tax payments in debt ratio calculation

○ HUD1 (Settlement Statement) review included:

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

– Seller contributions did not exceed maximum allowed

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

– Disbursements and pay-offs included in debt ratio calculations

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– Loan purpose confirmed

○ Hazard/Flood insurance review included:

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

– Confirmed that any required insurance was for the:

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

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

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

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

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

Confirmed that any required insurance minimum coverage amount and policy period

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

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

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

○ Mortgage Insurance review included:

– Determined if mortgage insurance is required

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

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

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

○ Borrower identity

– Social Security inconsistencies

– Borrower name variations

○ Occupancy

– Borrower address history

– Subject property ownership history

○ Employment

○ Licensing – reviewed NMLS data for:

– Mortgage lender/originator

– Loan officer

○ OFAC

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**Appendix B: Origination Appraisal Assessment** 

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

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

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

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

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

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

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

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

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

○ Appraisal report was reasonably complete and included:

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

– Accurate identification of the subject property

– Accurate identification of the subject loan transaction

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

– All required attachments including:

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

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

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

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

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

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

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

– Appraisal date met supplied Sponsor Acquisition Criteria

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

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

○ Title XI of FIRREA:

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

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

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

○ USPAP

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

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

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

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

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

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

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

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

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

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

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

– Property usage was reviewed for zoning compliance

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

– Neighborhood values were reviewed to determine if declining

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

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

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

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

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

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

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

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

– Style of property was reviewed to determine if unique property

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

– Locational and/or environmental concerns adequately addressed if present

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

○ 3 to 4 unit owner occupied properties

○ 2 to 4 unit second homes

○ Unwarrantable or limited review condominiums

○ Manufactured or mobile homes

○ Condotel units

○ Unique properties

○ Working farms, ranches or orchards

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○ Mixed-use properties

○ Properties subject to existing oil or gas leases

○ Properties located in Hawaii Lava Zones 1 and 2

○ Properties exceeding Sponsor Acquisition Criteria requirements for excess acreage

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

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

F. Disclaimer

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

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

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

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

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

G. Desk
 Review definitions

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

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

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**Appendix C: Regulatory Compliance Review Scope** 

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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○ TILA/RESPA Integrated Disclosures ("TRID")

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

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

● Pre-application forms cannot look similar to the LE

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

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

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

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

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

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

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

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

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

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

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

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

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

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

● Amount Financed

● Finance Charge

● Total of Payments

● Total interest percentage

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

● Compliance with the TRID rounding rules.

● Compliance with specified formatting requirements.

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

● Alphabetization of fees.

● Title fees preceded by "Title –."

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

● Affiliated Business Disclosure (can impact fee tolerances)

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

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

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

● Accuracy of the Aggregate Adjustment amount.

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

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

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

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

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

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

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

---

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

---

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

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

---

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

---

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

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

● Minnesota (Mortgage Originator and Service Licensing Act)

● Puerto Rico (Office Regulation 5722)

● Texas (Texas Finance Code)

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

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

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

---

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

---

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

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

---

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

---

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---

| | |
|:---|:---|
| &nbsp;&nbsp;**Consumer Protection** | &nbsp;&nbsp;**Consumer Protection** |
| &nbsp;&nbsp;Maryland (DLLR Regulations, Commercial Law) | &nbsp;&nbsp;West Virginia (Consumer Credit Protection Act) |
| &nbsp;&nbsp;Massachusetts (Attorney General regulations) | &nbsp;&nbsp;Wyoming (Residential Mortgage Practices Act) |
| &nbsp;&nbsp;Michigan (Consumer Mortgage Protection Act) |  |

---

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

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

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

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

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

**<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.

MSRM 2025-NQM6 Due Diligence Narrative Report Page \| 22 July 30, 2025

## Exhibit 99.4

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

**Exhibit 99.4 – Schedule 1**

---

| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | **MSRM 2025-NQM6** |
| **Start - End Dates:** | **1/5/2016 - 6/19/2025** |
| **Deal Loan Count:** | **103** |
| **ATR QM Upload** |  |
| Loans in Report: | 103 |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| 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 |
| **Loan Number** | **Deal** | **Seller Loan Number** | **Original Principal Balance** | **State** | **Loan Level ATR/QM Status** | **Lender Provided ATR/QM Worksheet** | **Initial Lender ATR/QM Status** | **Application Date** | **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** | **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** | **Short Sale** | **Short Sale Date** | **Deed In Lieu** | **Deed In Lieu Date** | **QRM Flag** | **Borrower 2 Guarantor Flag** | **Borrower 3 Guarantor Flag** | **Borrower 4 Guarantor Flag** | **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 Number of Months** | **Borrower 2 Written VOE Flag** | **Borrower 2 Written VOE Number of Months** | **Borrower 3 Written VOE Flag** | **Borrower 3 Written VOE Number of Months** | **Borrower 4 Written VOE Flag** | **Borrower 4 Written VOE Number of Months** | **Borrower 1 P&L Flag** | **Borrower 1 P&L Number of Months** | **Borrower 2 P&L Flag** | **Borrower 2 P&L Number of Months** | **Borrower 3 P&L Flag** | **Borrower 3 P&L Number of Months** | **Borrower 4 P&L Flag** | **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** | **Is the Loan a Short-Term Rental?** | **Equity Income Flag** | **Equity Income Amount** | **Equity Income Number of Months** | **DSCR with Rent Schedule Flag** | **DSCR with Rent Schedule Income Amount** | **DSCR with Lease Agreement Flag** | **DSCR with Lease Agreement Income Amount** | **DSCR %** | **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** |
| 9104544 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | (No Data) | Yes | Yes | 1 | 6.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -6128.37 | No | (No Data) | No | (No Data) | No | No | Yes | Yes | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 10000.00 | No | (No Data) | 1.6318 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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; |
| 9042433 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2886.98 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | No | (No Data) | (No Data) | Yes | 2900.00 | No | (No Data) | 1.0045 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9137732 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.7501 | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -15462.88 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 13000.00 | No | (No Data) | 0.8407 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9137734 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | (No Data) | Yes | Yes | 1 | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1329.89 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1500.00 | No | (No Data) | 1.1279 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9137735 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | (No Data) | Yes | Yes | 1 | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1496.26 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1550.00 | No | (No Data) | 1.0359 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9158358 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1625.66 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2300.00 | No | (No Data) | 1.4148 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9137739 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 6 mos interest on amt prepd that is >20% of OPB | (No Data) | Yes | Yes | 1 | 8.1250 | Yes | No | 3.25 | (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) | 0 | 18.6 | 0 | 18.6 | 18.6 | 18.6 | (No Data) | (No Data) | (No Data) | 49900.78 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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) |
| 9104638 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1348.07 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1650.00 | No | (No Data) | 1.2240 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9104641 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3918.05 | No | (No Data) | No | (No Data) | No | Yes | Yes | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | No | (No Data) | (No Data) | Yes | 6177.00 | No | (No Data) | 1.5765 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9104751 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -9571.48 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | No | (No Data) | (No Data) | Yes | 9807.00 | No | (No Data) | 1.0246 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9137749 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Attached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.5113 | Yes | Yes | 1.369 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 38.24 | 39.05 | 38.24 | 39.05 | 39.05 | 39.05 | Yes | Yes | Yes | 11876.48 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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) |
| 9137755 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1374.94 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1850.00 | No | (No Data) | 1.3455 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9158377 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | (No Data) | Yes | Yes | 1 | 7.6251 | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3118.15 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | Yes | 3900.00 | 1.2507 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9137789 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.8751 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2156.57 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | Yes | 2200.00 | 1.0201 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9137796 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3185.08 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2800.00 | No | (No Data) | 0.8791 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9137807 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3548.47 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | No | (No Data) | (No Data) | Yes | 5266.00 | No | (No Data) | 1.4840 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9158404 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.4510 | No | No | 2.245 | 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 | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 46.52 | 46.27 | 46.52 | 46.27 | 46.27 | 46.27 | No | Yes | Yes | 24101 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 40 | No | (No Data) | No | (No Data) | No | (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) | 1099 - 12 months;<br> Business Bank Statements - 12 months;<br> CPA Letter without Income - 40 months; | 1099 - 12 months; | (No Data) | (No Data) |
| 9158405 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.8750 | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5747.5 | No | (No Data) | No | (No Data) | No | Yes | Yes | Yes | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 7200.00 | No | (No Data) | 1.2527 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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; |
| 9158407 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (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 | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5916.47 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 6125.00 | No | (No Data) | 1.0352 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9137829 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.7501 | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1440.44 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1600.00 | No | (No Data) | 1.1108 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9158409 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1010.01 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1400.00 | No | (No Data) | 1.3861 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9158411 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.0000 | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2254.97 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2300.00 | No | (No Data) | 1.0200 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9158412 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (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 | (No Data) | Yes | Yes | 1 | 7.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1769.97 | No | (No Data) | No | (No Data) | No | Yes | Yes | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 4450.00 | No | (No Data) | 2.5142 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9158413 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.8750 | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2101.74 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | Yes | 2600.00 | 1.2371 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9158414 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.0000 | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1766.16 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1900.00 | No | (No Data) | 1.0758 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9158417 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.5000 | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2998.89 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3000.00 | No | (No Data) | 1.0004 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9137839 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5672.79 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 4700.00 | No | (No Data) | 0.8285 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9158426 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | (No Data) | Yes | Yes | 1 | 6.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1790.92 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2400.00 | No | (No Data) | 1.3401 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9158429 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (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) | Yes | Yes | 1 | 7.3585 | Yes | No | 3.525 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 48.91 | 41.86 | 48.91 | 41.86 | 41.86 | 41.86 | No | No | (No Data) | 4376.87 | No | (No Data) | No | (No Data) | No | No | (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) | 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 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 216 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 216 months; | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) |
| 9137850 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (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 amt prepd | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1622.89 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1900.00 | No | (No Data) | 1.1708 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9158433 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.8751 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -10141.11 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 8800.00 | No | (No Data) | 0.8678 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9158434 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.0000 | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -8874.17 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 7672.50 | No | (No Data) | 0.8646 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9137865 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (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 | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.8751 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -6704.17 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 7830.00 | No | (No Data) | 1.1679 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9158437 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2338.46 | No | (No Data) | No | (No Data) | No | Yes | Yes | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3300.00 | No | (No Data) | 1.4112 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9158439 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1448.94 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1850.00 | No | (No Data) | 1.2768 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9158441 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.0000 | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1547.25 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1550.00 | No | (No Data) | 1.0018 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9158445 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1876.45 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1900.00 | No | (No Data) | 1.0126 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9137890 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2927.06 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2450.00 | No | (No Data) | 0.8370 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9137892 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | (No Data) | Yes | Yes | 1 | 7.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1780.92 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2000.00 | No | (No Data) | 1.1230 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9137893 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1468.01 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2500.00 | No | (No Data) | 1.7030 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9158457 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2353.53 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1925.00 | No | (No Data) | 0.8179 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9158458 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.7501 | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2678.15 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2800.00 | No | (No Data) | 1.0455 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9137898 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3% of amt prepd | (No Data) | No | Yes | 1 | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1671.94 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1675.00 | No | (No Data) | 1.0018 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9158460 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (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 amt prepd | (No Data) | Yes | Yes | 1 | 8.1250 | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2626.28 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2700.00 | No | (No Data) | 1.0281 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9137900 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.8751 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2850.05 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2500.00 | No | (No Data) | 0.8772 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9158473 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | 4 Family | 4 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.7501 | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4991.56 | No | (No Data) | No | (No Data) | No | Yes | Yes | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 5750.00 | No | (No Data) | 1.1519 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9137910 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.7501 | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1601.68 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1800.00 | No | (No Data) | 1.1238 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9137911 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (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 | 8.3579 | No | No | 0.963 | 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 | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 49.86 | 50.33 | 49.86 | 50.33 | 50.33 | 50.33 | No | Yes | Yes | 4021.75 | No | (No Data) | No | (No Data) | No | No | (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 | 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 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | Business Bank Statements - 12 months;<br> CPA Letter with Income - 24 months; | (No Data) | (No Data) |
| 9137918 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (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 | 8.5000 | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1585.83 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | No | (No Data) | (No Data) | Yes | 2973.00 | No | (No Data) | 1.8747 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9158491 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5684.92 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 5685.00 | No | (No Data) | 1.0000 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9158496 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (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 | 7.6248 | No | No | 3.402 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 49.88 | 49.9 | 49.88 | 49.9 | 49.9 | 49.9 | Yes | Yes | Yes | 2658.31 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 1099 - 24 months;<br> Award Letter - 12 months;<br> IRS Transcripts – W2(s) - 24 months; | Award Letter - 12 months; | (No Data) | (No Data) |
| 9158497 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (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 | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2271.29 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | Yes | 4375.00 | 1.9262 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9137923 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -6949.28 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 7800.00 | No | (No Data) | 1.1224 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9137928 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | Yes | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.2499 | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1233.33 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1250.00 | No | (No Data) | 1.0135 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9158518 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | 4 Family | 4 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.8751 | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5778.57 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 5200.00 | No | (No Data) | 0.8999 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9158523 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3026.99 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3500.00 | No | (No Data) | 1.1563 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9137941 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (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) | Yes | Yes | 1 | 7.8553 | No | No | 3.312 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 48.34 | 47.56 | 48.34 | 47.56 | 47.56 | 47.56 | Yes | Yes | Yes | 9285.94 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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) |
| 9158532 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | 4 Family | 4 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.6250 | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1414.41 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3450.00 | No | (No Data) | 2.4392 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9158533 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.3813 | No | No | 1.344 | 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 | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 49.76 | 49.76 | 49.76 | 49.76 | 49.76 | 49.76 | No | Yes | Yes | 3220.8 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 9158534 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | Yes | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.5001 | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4459.89 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 4522.00 | No | (No Data) | 1.0139 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9158537 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (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 | 7.3298 | Yes | Yes | 0.361 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 17.43 | 17.46 | 17.46 | 17.46 | 17.46 | 17.46 | No | No | (No Data) | 15562.82 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (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 | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 24 months;<br> CPA Letter without Income - 24 months; | (No Data) | (No Data) | (No Data) |
| 9137950 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.9901 | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -7974.04 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | Yes | 8000.00 | 1.0033 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9137953 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.1251 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2581.97 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3600.00 | No | (No Data) | 1.3943 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9137742 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 7.7631 | Yes | Yes | 3 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 23.72 | 23.73 | 23.73 | 23.73 | 23.73 | 23.73 | No | No | (No Data) | 21595 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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 | (No Data) | (No Data) | No | (No Data) | No | (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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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> P & L - 12 months; | (No Data) | (No Data) | (No Data) |
| 9158567 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (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 | 7.4374 | Yes | Yes | 1.305 | 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 | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 40.01 | 40.01 | 40.01 | 40.01 | 40.01 | 40.01 | No | No | (No Data) | 19942.96 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (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 - 60 months;<br> Personal Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 9158574 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.2500 | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4685.29 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | No | (No Data) | (No Data) | Yes | 5566.00 | No | (No Data) | 1.1880 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9158578 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (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 | 6.7427 | No | No | 0.622 | 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 | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 44.67 | 44.67 | 44.67 | 44.67 | 44.67 | 44.67 | Yes | Yes | Yes | 7316.9 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (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) | 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) | CPA Letter - 84 months;<br> Personal Bank Statements - 12 months; | Business Bank Statements - 12 months;<br> CPA Letter - 84 months; | (No Data) | (No Data) |
| 9158582 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.5000 | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1021.26 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | Yes | 1025.00 | 1.0037 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9158586 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | 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 | 7.2499 | 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) | 0 | 6.18 | 0 | 6.18 | 6.18 | 6.79 | (No Data) | (No Data) | (No Data) | 994499.64 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 14 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Business Bank Statements - 14 months;<br> CPA Letter - 24 months; | (No Data) | (No Data) |
| 9158587 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1789.2 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2080.00 | Yes | 2080.00 | 1.1625 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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/rent schedule - 0 months; | (No Data) | (No Data) |
| 9158597 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.8751 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2073.61 | No | (No Data) | No | (No Data) | No | Yes | Yes | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | Yes | 2100.00 | 1.0127 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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; | DSCR - w/lease agreement - 0 months; | (No Data) |
| 9042434 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.5000 | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1599.04 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | No | (No Data) | (No Data) | Yes | 2766.00 | No | (No Data) | 1.7298 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 7044041 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 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 | 8.5000 | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1908.29 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1900.00 | No | (No Data) | 0.9956 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 7044068 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.8750 | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1842.4 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1500.00 | No | (No Data) | 0.8141 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 8442352 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 2 mos interest on amt prepd in 12 mos >1/3 of OPB | (No Data) | No | Yes | 1 | 7.5000 | No | No | 0.833 | (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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2014.45 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2900.00 | No | (No Data) | 1.4395 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9067326 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.7501 | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1924.56 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1925.00 | No | (No Data) | 1.0002 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9101468 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.9990 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2859.27 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | No | (No Data) | (No Data) | Yes | 3529.60 | No | (No Data) | 1.2344 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9101379 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (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 amt prepd | (No Data) | Yes | Yes | 1 | 6.9990 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5821.97 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 6500.00 | No | (No Data) | 1.1164 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9101357 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.9990 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -17718.66 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 15417.00 | No | (No Data) | 0.8700 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9101470 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.6250 | 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) | 0 | 42.09 | 0 | 42.09 | 42.09 | 42.09 | (No Data) | (No Data) | (No Data) | 15701.59 | No | (No Data) | No | (No Data) | No | Yes | (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) | 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 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) |
| 9101362 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2673.99 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2500.00 | No | (No Data) | 0.9349 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9101410 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.8751 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3327.94 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3600.00 | No | (No Data) | 1.0817 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9101392 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2613.99 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | Yes | 2700.00 | 1.0329 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9101457 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4200.97 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 6400.00 | No | (No Data) | 1.5234 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9101367 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2629.33 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2650.00 | No | (No Data) | 1.0078 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9101419 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1573.89 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1450.00 | No | (No Data) | 1.1277 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9101339 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 9.8009 | Yes | Yes | 3.378 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 6.83 | 6.83 | 6.83 | 6.83 | 6.83 | 6.83 | No | No | (No Data) | 55521.84 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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) |
| 9101422 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1102 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1250.00 | No | (No Data) | 1.1343 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9101398 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -812.46 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 850.00 | No | (No Data) | 1.0462 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9101439 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2296.68 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2900.00 | No | (No Data) | 1.2626 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9101451 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (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 | (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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4205.95 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 5800.00 | No | (No Data) | 1.3789 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9101402 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Rate and Term Refi | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -9495.32 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 10000.00 | No | (No Data) | 1.0531 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9101342 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (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 | 9.9340 | Yes | Yes | 2.871 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 6.68 | 7.78 | 6.68 | 7.78 | 7.78 | 7.78 | Yes | Yes | Yes | 67112.51 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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) |
| 9101347 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Second Home | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 8.1766 | Yes | Yes | 3.811 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 33.17 | 32.12 | 33.17 | 32.12 | 32.12 | 32.12 | Yes | Yes | Yes | 17609.95 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Tax Return - 24 months;<br> CPA Letter - 24 months;<br> P & L - 24 months;<br> Personal Tax Return - 12 months; | (No Data) | (No Data) | (No Data) |
| 9101358 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1691.38 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1575.00 | No | (No Data) | 0.9311 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9101376 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 2 mos interest on amt prepd in 12 mos >1/3 of OPB | (No Data) | No | Yes | 1 | 7.8751 | No | No | 0.875 | (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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2384.85 | No | (No Data) | No | (No Data) | No | Yes | Yes | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2400.00 | No | (No Data) | 1.0063 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9101390 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.5000 | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3886.97 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 4000.00 | No | (No Data) | 1.0290 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9133551 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (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 | 7.4464 | No | No | 6.935 | (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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3927.44 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 4000.00 | No | (No Data) | 1.0459 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9137955 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.8751 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5663.08 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | No | (No Data) | (No Data) | Yes | 11854.00 | No | (No Data) | 2.0932 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9158604 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.5000 | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4554.95 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | No | (No Data) | (No Data) | Yes | 6056.00 | No | (No Data) | 1.3295 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9158606 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.7501 | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3541.9 | No | (No Data) | No | (No Data) | No | Yes | Yes | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | No | (No Data) | (No Data) | Yes | 4250.40 | No | (No Data) | 1.2000 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 4998321 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor | Present | QM: Safe Harbor | XXXXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | No | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 3.2953 | Yes | Yes | 0.2 | Unavailable | (No Data) | (No Data) | No | No | No | No | Yes | Yes | Yes | (No Data) | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 31.8 | 31.64 | 31.8 | 31.64 | 31.64 | 31.64 | No | No | (No Data) | 10819.18 | (No Data) | (No Data) | (No Data) | (No Data) | Yes | (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 | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 9119045 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.3946 | Yes | No | 8.965 | (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) | 0 | 25.74 | 0 | 25.74 | 25.74 | 25.74 | (No Data) | (No Data) | (No Data) | 15145.17 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 14 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 14 months; | (No Data) | (No Data) | (No Data) |

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

## Exhibit 99.4

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

**Exhibit 99.4 – Schedule 2**

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| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | **MSRM 2025-NQM6** |
| **Start - End Dates:** | **1/5/2016 - 6/19/2025** |
| **Deal Loan Count:** | **103** |
| **Conditions Report 2.0** | **Conditions Report 2.0** |
| ***Loans in Report:*** | *103* |
| ***Loans with Conditions:*** | *45* |

---

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| |
|:---|
| **26 - Total Active Conditions** |
| **26 - Non-Material Conditions** |
| 20 - Credit Review Scope |
| 2 - Category: Assets |
| 5 - Category: Credit/Mtg History |
| 1 - Category: DTI |
| 4 - Category: Income/Employment |
| 4 - Category: LTV/CLTV |
| 4 - Category: Terms/Guidelines |
| 3 - Property Valuations Review Scope |
| 3 - Category: Property |
| 3 - Compliance Review Scope |
| 2 - Category: RESPA |
| 1 - Category: Right of Rescission |
| **44 - Total Satisfied Conditions** |
| 26 - Credit Review Scope |
| 4 - Category: Application |
| 6 - Category: Assets |
| 1 - Category: DTI |
| 4 - Category: Income/Employment |
| 3 - Category: Insurance |
| 5 - Category: Legal Documents |
| 2 - Category: Terms/Guidelines |
| 1 - Category: Title |
| 5 - Property Valuations Review Scope |
| 3 - Category: Appraisal |
| 1 - Category: Property |
| 1 - Category: Value |
| 13 - Compliance Review Scope |
| 1 - Category: Ability to Repay/Qualified Mortgage |
| 1 - Category: Documentation |
| 2 - Category: RESPA |
| 3 - Category: Right of Rescission |
| 3 - Category: Texas Home Equity |
| 3 - Category: TILA/RESPA Integrated Disclosure |
| **1 - Total Waived Conditions** |
| 1 - Credit Review Scope |
| 1 - Category: Credit/Mtg History |

---

&nbsp;&nbsp;&nbsp;&nbsp;©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.

---

| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | **MSRM 2025-NQM6** |
| **Start - End Dates:** | **1/5/2016 - 6/19/2025** |
| **Deal Loan Count:** | **103** |
| **Conditions Report 2.0** | **Conditions Report 2.0** |
| ***Loans in Report:*** | *103* |
| ***Loans with Conditions:*** | *45* |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Original Principal Balance** | **State** | **Initial Lender ATR/QM Status** | **Loan Level ATR/QM Status** | **Initial Securitization Overall Loan Grade** | **Initial Securitization Credit Loan Grade** | **Initial Securitization Property Valuations Loan Grade** | **Initial Securitization Compliance Loan Grade** | **Final Securitization Compliance Loan Grade** | **Initial S&P Overall Loan Grade** | **Initial S&P Credit Loan Grade** | **Initial S&P Property Valuations Loan Grade** | **Initial S&P Compliance Loan Grade** | **Final S&P Compliance Loan Grade** | **Condition Category** | **Condition Sub Category** | **Condition Status** | **Initial Securitization Condition Grade** | **Initial S&P Condition Grade** | **Condition Code** | **Condition Description** | **Condition Material Indicator** | **Initial Comments** | **Client/Seller Response Comments** | **Conclusion Comments** | **TRID Error Type** | **Cure Method** | **Compensating Factors** |
| 9104544 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C B | C B | B | N/A | N/A | C B | C B | B | N/A | N/A | Credit | Income/Employment | Active | C B | C B | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Guidelines allow for XXX income at 75% of fair market rent (Section 1.9.1.1.4 Page 78). 1007 provided did not provide a breakdown for each XXX unit to properly calculate DSCR. Provide updated 1007 with breakdown. NOTE: DSCR subject to recalculation. | 4-2-25: client communication stating XXX guideline does not apply as this is short term rental and XXX will not be separately rented out.4-16-25 Client uploaded a XXX report and an exception to use XXX report on refinance with 55% Occupancy rate. | 4-2-25: XXX reviewed file documents, the 1007 from appraiser indicates long term rental and file has no verification of any other short term rental information verified. Exception stays, will review documentation if presented verifying short term rental income.4-16-25 XXX reviewed the file and the XXX report which reflects 55% occupancy rate and a submarket score of 25 (Guidelines allow for purchase only and require 60+ sub market score) with projected revenue of XXX XXX reworked DSCR using XXX from 1007 x 75% XXX rate) = XXX = 1.2238. XXX deems non-material/non-fatal to lending decision due to use of lower long term rents at 75% and the following compensating factors: Credit score 781/660 minimum, LTV 68.18%/70% maximum, and 117.83 months cash reserves/6 months required. Exception remains. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of 781 is above the required 660.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 68.18% is below the maximum allowable of 70% for unleased property.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Cash reserves = XXX, 117.83 months. 6 months required.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Mortgage payment history of 17 months exceeds the required 12 months. |
| 9104544 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C B | C B | B | N/A | N/A | C B | C B | B | N/A | N/A | Property Valuations | Property | Active | B | B | PRVAPROP177 | Property Issues Indicated | No | Property has 3 XXX - guidelines only allow 2 XXX. (Section 1.9.1.1.4 Page 78)XXX deems non-material/non-fatal due to credit score of 781/660 minimum, LTV of 68.18%/70% maximum allowed, and 117.83 months cash reserves/6 months required. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of 781 is above the required 660.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 68.18% is below the maximum allowable of 70% for unleased property.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Cash reserves = XXX, 117.83 months. 6 months required.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Mortgage payment history of 17 months exceeds the required 12 months. |
| 9042433 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | N/A | N/A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 689 mid-score per CBR. 640 minimum.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: 9 years living at primary residence.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: 176 months of 0x30 consumer credit history per CBR.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: 59 months of 0x30 mortgage history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 5.84 months of reserves in file. 0 months required. |
| 9137732 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has been at current residence for 7 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post closing reserves $XXX, 14.15 months; 6 months required.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score is 738 and minimum is 700 |
| 9137734 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of 786 is above the required 700.<br>CFCFS5269: Minimal use of credit<br> - XXX Comments: Borrower has minimal use of credit with credit usage ratio of 0.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Cash reserves = $XXX, 48.59 months. 6 months required. |
| 9137735 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C A | C A | A | A | A | C A | C A | A | A | A | Credit | Income/Employment | Satisfied | C A | C A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Missing a copy of the lease agreement for the subject property at no less than $XXX per month. If lease is not provided - an LTV exception will be required for unleased property. | 6-18-25: client uploaded lease agreement. | 6-18-25: XXX reviewed lease agreement for $XXX monthly, effective XXX. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Median FICO of 786 exceeds the guideline program minimum of 700.<br>CFCFS2860: Good credit history<br> - XXX Comments: Minimal credit usage, no lates or derogs and no public records.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Assets: Post closing reserves $XXX, 28.08 months; 6 months reserves required. |
| 9158358 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | N/A | N/A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has resided at current residence for 8 years.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: 63.11% LTV below guideline requirements of 70% per program.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post closing reserves $XXX; 3.16 months; No reserves are required |
| 9137739 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has resided at current residence for 8 years.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has significant time at current job, 20 years and 7 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Median FICO of 678 exceeds the guideline program minimum of 660.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post closing reserves $XXX, 46.03 months; no reserves required. |
| 9104638 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: 152 months of 0x30 consumer credit history per CBR.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 775 mid-score per CBR. 660 minimum.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: 157 months of 0x30 mortgage history per CBR.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: 75% LTV per review; 80% LTV is maximum allowed per guidelines.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 93.88 months of reserves in file. 0 months required. |
| 9104641 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | N/A | N/A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit Score 752 exceeds the minimum of 700<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Cash reserves XXX, 3.61 months reserves, 0 months required<br>CFCFS5269: Minimal use of credit<br> - XXX Comments: 16% revolving credit utilized<br>CFCFS1750: High potential for increased earnings<br> - XXX Comments: DSCR: 1.5765 (Rent $XXX / Expenses XXX) |
| 9104751 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | N/A | N/A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 713 mid-score per CBR.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: 0x30 consumer credit history since XXX on CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post closing reserves XXX, 14.5 months; 6 months required. |
| 9137749 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D B | D A | A | C | B | D B | D A | A | C | B | Compliance | Right of Rescission | Satisfied | C B | C B | CMPROR2330 | ROR - Disbursement date is before end of statutory rescission period | No | ROR expiration date of XXX is after disbursement date of XXX. | 5.5.25-Client provided PCCD issued XXX updating Disbursement date, cash to close & closing cost. Satisfied. | 5.5.25- Satisfied. | (No Data) | Not Applicable | CFCFS1745: Significant total monthly debt reduction<br> - XXX Comments: Borrowers are paying off debt of $XXX per month + current mortgage payment $XXX = $XXX - $XXX New mortgage payment = $XXX in monthly savings.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of 720 is above the required 680.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrowers have been in their current residence for 14 years and 5 months.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - XXX Comments: B2 has owned current business for 9 years and 2 months.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: B1 has owned current business for 24 years and 2 months.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Borrowers have 18 months no lates, allowed 1x30 in 12 months on current and 70 months on previous.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: No lates reporting for 60 months. |
| 9137749 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D B | D A | A | C | B | D B | D A | A | C | B | Credit | Assets | Satisfied | B A | B A | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Post closing reserves of $XXX, .99 months and 6 months reserves are required.XXX deems non-material/non-fatal due to the following compensating factors: Credit score 720/680 minimum, Borrowers have job history of 25 years and 9 years, Owned property for over 7 years and excellent mortgage history of 70 months on previous and 18 on current/12 months required and Lowering overall monthly expenses by XXX. | 5-2-25 Client uploaded final HUD reflecting cash back to borrower at $XXX. | 5-5-25 XXX reviewed HUD and updated Debt as 3 accounts were not paid off and updated assets to reflect correct cash back at closing. Borrower now has 6.23 months cash reserves. Exception satisfied. | (No Data) | Not Applicable | CFCFS1745: Significant total monthly debt reduction<br> - XXX Comments: Borrowers are paying off debt of $XXX per month + current mortgage payment $XXX = $XXX - $XXX New mortgage payment = $XXX in monthly savings.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of 720 is above the required 680.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrowers have been in their current residence for 14 years and 5 months.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - XXX Comments: B2 has owned current business for 9 years and 2 months.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: B1 has owned current business for 24 years and 2 months.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Borrowers have 18 months no lates, allowed 1x30 in 12 months on current and 70 months on previous.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: No lates reporting for 60 months. |
| 9137749 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D B | D A | A | C | B | D B | D A | A | C | B | Credit | Income/Employment | Satisfied | B A | B A | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No | VVOE for B1 reflects 20% ownership instead of 100% per operating agreement and income calculation. | 5-2-25 Client replied: HEM accepts B grade. 5-30-25 Client uploaded corrected VVOE. | 5-5-25 XXX deems non-material/non-fatal to lending decision as Operating agreement is source document to verify ownership percentage. Non-material exception remains. 6-2-25 XXX reviewed VVOE. Exception satisfied. | (No Data) | Not Applicable | CFCFS1745: Significant total monthly debt reduction<br> - XXX Comments: Borrowers are paying off debt of $XXX per month + current mortgage payment $XXX = $XXX - $XXX New mortgage payment = $XXX in monthly savings.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of 720 is above the required 680.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrowers have been in their current residence for 14 years and 5 months.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - XXX Comments: B2 has owned current business for 9 years and 2 months.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: B1 has owned current business for 24 years and 2 months.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Borrowers have 18 months no lates, allowed 1x30 in 12 months on current and 70 months on previous.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: No lates reporting for 60 months. |
| 9137749 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D B | D A | A | C | B | D B | D A | A | C | B | Credit | Income/Employment | Satisfied | D A | D A | CRDINC2408 | Income verification does not meet guidelines | No | Missing the XXX bank statement for B2 (XXX) | 5-7-25 Client uploaded XXX statement. | 5-9-25 XXX reviewed statement and updated income calculation to $XXX based on 15% expense factor. Exception satisfied. | (No Data) | Not Applicable | CFCFS1745: Significant total monthly debt reduction<br> - XXX Comments: Borrowers are paying off debt of $XXX per month + current mortgage payment $XXX = $XXX - $XXX New mortgage payment = $XXX in monthly savings.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of 720 is above the required 680.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrowers have been in their current residence for 14 years and 5 months.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - XXX Comments: B2 has owned current business for 9 years and 2 months.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: B1 has owned current business for 24 years and 2 months.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Borrowers have 18 months no lates, allowed 1x30 in 12 months on current and 70 months on previous.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: No lates reporting for 60 months. |
| 9137755 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | N/A | N/A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Qualifying FICO of 767 is 147 points above the 620 FICO required for the program.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 58.82% is below the 70% LTV allowed for unleased property.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has 4 years at current residence.<br>CFCFS5269: Minimal use of credit<br> - XXX Comments: Borrower has a credit line usage ratio of 11%. |
| 9158377 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | B | A | N/A | N/A | B | B | A | N/A | N/A | Credit | LTV/CLTV | Active | B | B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | Maximum LTV for Interest only XXX is 75%, loan closed at 80% LTV. XXX deems non-material/non-fatal to the lending decision due to the following compensating factors: Credit score of 797/740 minimum, Cash reserves of 37.33 months/3 months required. and a 50 months mortgage payment history/12 months required. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Median FICO of 797 exceeds the guideline program minimum of 740.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post closing reserves $XXX; 27.33 months; 3 months reserves required.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: 50 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. |
| 9158377 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | B | A | N/A | N/A | B | B | A | N/A | N/A | Credit | Terms/Guidelines | Active | B | B | CRDTER111 | Ownership seasoning does not meet minimum per guidelines | No | Borrower purchased property XXX for $XXX. Guidelines (sec 1.4.1.3) require for properties owned greater than 6 months but less than 12-months: LTV/CLTV is limited to the lower of the current appraised value or the property's purchase price plus documented improvements.Appraisal indicates property has a recent complete renovation; however this does not provide the dollar amount for the improvements for a calculation. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Median FICO of 797 exceeds the guideline program minimum of 740.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post closing reserves $XXX; 27.33 months; 3 months reserves required.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: 50 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. |
| 9137789 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | B | A | A | A | B | B | A | A | A | Credit | Income/Employment | Active | B | B | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Missing proof of 2 month rent receipt due to using higher actual lease amount.Lender provided a copy of Security deposit check dated XXX for XXX, the security deposit receipt and a letter stating the tenants paid one full year at time of lease. XXX deems non-material/non-fatal due to compensating factors: Credit score 778/700 minimum, 31.54 months cash reserves/6 months required and 10 years at current residence. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has resided at current residence for 10 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Assets: Post closing reserves XXX, 31.54 months; 6 months reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Median FICO of 778 exceeds the guideline program minimum of 700. |
| 9137796 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1739: Postive mortgage payment history<br> - XXX Comments: Mortgage payment history of 46 months exceeds the required 12 months.<br>CFCFS5269: Minimal use of credit<br> - XXX Comments: Borrower has minimal use of credit with credit usage ratio of 0.00%<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of 709 is above the required 700.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves of 65.44 months exceeds the required 6 months reserves. |
| 9137807 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | A | B | A | A | B | A | B | A | A | Property Valuations | Property | Active | B | B | PRVAPROP177 | Property Issues Indicated | No | Condo project does not meet guidelines requiring maximum 60% rentals; project is 80% rentals. XXX considers this non material as borrower has excellent credit with score of 734, no late payments on any mortgage in 20 years, and project is located in an area where projects with rentals over 60% is common. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score is 734 and minimum is 640.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Borrower has no late payments on mortgages with over 20 year history.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: Borrower has no late payments on consumer accounts for the past 5 years. |
| 9158404 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C A | C A | A | A | A | C A | C A | A | A | A | Credit | Insurance | Satisfied | C A | C A | CRDINSR5353 | Insurance Expiration date is prior than the transaction date | No | Condo Master insurance expired XXX. | 6-18-25: client uploaded master condo insurance which expires XXX. | 6-18-25: XXX reviewed master condo insurance which expires XXX, exception satisfied. | Not Applicable | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrowers have been at current residence for 21 years.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been at his current job for 34 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: post closing reserves $XXX, 7.19 months; 6 months required.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score is 747 and minimum is 680 |
| 9158405 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | N/A | N/A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 798 qualifying mid-score per CBR.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: 10 years living at primary residence.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: 51 months of 0x30 mortgage history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 7.72 months of reserves in file.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: 62.57% LTV per review; 85% LTV is maximum allowed per guidelines. |
| 9158407 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | N/A | N/A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Qualifying fico is 764. G/l min is 700<br>CFCFS5269: Minimal use of credit<br> - XXX Comments: 8% consumer credit utilization in file<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 103.00 months piti reserves |
| 9137829 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | N/A | N/A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 758 mid-score per CBR. 660 minimum.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: 22 years living at primary residence.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: 80% LTV per review; 85% LTV is maximum allowed per guidelines.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: 137 months of 0x30 mortgage history per CBR<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: 294 months of 0x30 consumer credit history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Assets: XXX = 205.47 months of reserves. 0 months required. |
| 9158409 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D A | D A | A | N/A | N/A | D A | D A | A | N/A | N/A | Credit | Title | Satisfied | D A | D A | CRDTIL796 | Missing Title | No | Missing the title report for the subject property | 5-16-25 Client uploaded title. | 5-19-25 XXX reviewed title. Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has resided at current residence for 10 years.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: 72.07% LTV below guideline requirements of 75% per program.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Median FICO of 682 exceeds the guideline program minimum of 660.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: 99 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. |
| 9158411 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | N/A | N/A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has owned home for 20 years.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 75% is below the maximum allowable of 80%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves of 14.31 months exceeds the required 0 months reserves.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Mortgage payment history of 22 months exceeds the required 12 months.<br>CFCFS5269: Minimal use of credit<br> - XXX Comments: Borrower has minimal use of credit with credit usage ratio of 26% |
| 9158412 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | N/A | N/A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of 789 exceeds the minimum of 700<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Cash reserves $XXX, 89.92, months reserves, 6 months required<br>CFCFS5269: Minimal use of credit<br> - XXX Comments: 5% of revolving credit utilized |
| 9158413 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | B | A | N/A | N/A | B | B | A | N/A | N/A | Credit | Credit/Mtg History | Active | B | B | CRDCRMH2662 | Number of mortgaged properties exceeds guideline limit | No | Per Lender exception, borrower has 11 financed properties with XXX. Exception approved to move forward. XXX deems non-material/non-fatal to lending decision due to compensating factors: 16.80 months cash reserves/0 months required, Credit score of 753/640 minimum, 70% LTV/80% maximum. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: 16 yrs residing in primary residence<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score 753 exceeds the minimum of 640<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV 70% is below the maximum of 80%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Cash Reserves $XXX, 16.80 months reserves, 0 months required<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: 55 months reviewed for primary residence mtg exceeds 12 months required |
| 9158414 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | N/A | N/A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: 68.14% LTV below guideline requirements of 80% per program.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has resided at current residence for 16 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post closing reserves XXX , 21.66 months; no reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of 753 is above the required 640. |
| 9158417 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | N/A | N/A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post closing reserves XXX, 191.14 months; 6 months required.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is 58.41% and maximum is 70%<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score is 706 and minimum is 660 |
| 9137839 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | N/A | N/A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has been at current residence for 21 years.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is 57.80%. G/l max is 70%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post close assets are $XXX, 26.18 months; 6 months required. |
| 9158426 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C A | C A | A | A | A | C A | C A | A | A | A | Credit | Assets | Satisfied | C A | C A | CRDAST206 | Asset Amounts Are Unsupported by Documentation in File | No | Missing evidence that the borrower is 100% owner of XXX to support ability to use assets in XXX #XXX & #XXX. | 5-14-25 Client uploaded XXX report.5-19-25 Client provided partnership agreement and articles of incorporation. | 5-15-25 XXX reviewed XXX report which list Borrower and another person as the Business Registration Officers. This does not provide proof that the borrower is 100% owner of XXX Since the loan closed in the borrowers name and not XXX satisfactory proof of 100% ownership is required to use 100% of value. Guidelines allow for business asset use but is limited to the borrower's ownership percentage (sec 1.6.2). Exception remains. XXX XXX reviewed partnership agreement and updated assets to reflect 55% ownership. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Qualifying fico is 734. G/l min is 640<br>CFCFS5269: Minimal use of credit<br> - XXX Comments: 1.82% consumer credit utilization in file<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post close assets are XXX or 149.1 months piti reserves. 0 months required. |
| 9158429 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: 18.3 years employed with XXX<br>CFCFS1735: Co-Borrower has significant time at current job<br> - XXX Comments: 5.9 years employed at XXX.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 702 qualifying credit score per CBR. 660 minimum.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 16.03 months of reserves in file. 0 months required.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: 70% LTV per review; 80% LTV is maximum allowed per guidelines. |
| 9137850 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Median FICO of 789 exceeds the guideline program minimum of 700.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: 80% LTV below guideline requirements of 85% per program.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post closing reserves XXX; 57.03 months; No reserves are required. |
| 9158433 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: 0x30 x41 months > maximum permitted of 1x30 x12 months<br>CFCFS2860: Good credit history<br> - XXX Comments: Consumer debt: 0x30 x greater than 99 months<br>CFCFS5269: Minimal use of credit<br> - XXX Comments: Negligible usage of available revolving credit @ 0.8%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post closing assets: XXX, 5.74 months, 3 months required.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 783 mid score > minimum required of 700 |
| 9158434 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV 61.40% is below the maximum of 70%<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of 716 exceeds the minimum of 680<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Cash Reserves $XXX, 59.29 months reserves, 6 months required<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: 24 months reviewed for primary residence mtg exceeds the 12 months required |
| 9137865 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C A | C A | C A | N/A | N/A | C A | C A | C A | N/A | N/A | Credit | Assets | Satisfied | C A | C A | CRDAST205 | Insufficient Funds to Close | No | Missing assets in file to cover $XXX required to close. Provide bank statement reflecting Guarantor/borrower or XXX as owner of account. | 5-19-25 Client uploaded HUD for XXX with proceeds of $XXX. | 5-19-25 XXX reviewed HUD for XXX which was refinanced and $XXX cash back was used to cover closing on XXX. Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has been at current residence for 5 years<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of 674 is above the required 640.<br>CFCFS5269: Minimal use of credit<br> - XXX Comments: Borrower has minimal use of credit with credit usage ratio of 47%. |
| 9137865 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C A | C A | C A | N/A | N/A | C A | C A | C A | N/A | N/A | Property Valuations | Appraisal | Satisfied | C A | C A | PRVAAPPR4789 | Appraisal Deficiency | No | Appraisal report in file reflects an effective date of XXX, however Non-Influence & Compliance Certificate, UCDPs and Desk review reflect Appraisal under review with an effective date of XXX. Provide corrected appraisal report reflecting effective date of XXX. | 5-30-25 Client uploaded a revised CDA. | 5-30-25 XXX reviewed CDA based on XXX appraisal and updated data points. Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has been at current residence for 5 years<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of 674 is above the required 640.<br>CFCFS5269: Minimal use of credit<br> - XXX Comments: Borrower has minimal use of credit with credit usage ratio of 47%. |
| 9158437 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D A | D A | A | N/A | N/A | D A | D A | A | N/A | N/A | Credit | Application | Satisfied | D A | D A | CRDAPP227 | Application Not Signed by Co-Borrower | No | Missing 1003 for XXX. | 6-18-25: client uploaded 1003 for XXX. | 6-18-25: XXX review 1003 for XXX, it is complete and signed. Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Cash Reserves $XXX, 35.84 months reserves, 0 months required<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV 80% is below the maximum of 85%<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score 801 exceeds minimum of 660<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: 63 months reviewed for primary residence mtg exceeds the 12 months required |
| 9158437 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D A | D A | A | N/A | N/A | D A | D A | A | N/A | N/A | Credit | Application | Satisfied | D A | D A | CRDAPP3312 | One or more Applications in file are incomplete | No | Missing 1003 for XXX. | 6-18-25: client uploaded 1003 for XXX. | 6-18-25: XXX review 1003 for XXX, it is complete and signed. Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Cash Reserves $XXX, 35.84 months reserves, 0 months required<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV 80% is below the maximum of 85%<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score 801 exceeds minimum of 660<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: 63 months reviewed for primary residence mtg exceeds the 12 months required |
| 9158437 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D A | D A | A | N/A | N/A | D A | D A | A | N/A | N/A | Credit | Insurance | Satisfied | D A | D A | CRDINSR848 | Missing Hazard Insurance | No | Missing homeowners insurance policy | 6-18-25: client uploaded homeowners insurance policy. | 6-18-25: XXX reviewed the homeowners insurance policy, meets requirements. Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Cash Reserves $XXX, 35.84 months reserves, 0 months required<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV 80% is below the maximum of 85%<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score 801 exceeds minimum of 660<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: 63 months reviewed for primary residence mtg exceeds the 12 months required |
| 9158439 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D A | D A | A | N/A | N/A | D A | D A | A | N/A | N/A | Credit | Application | Satisfied | D A | D A | CRDAPP4625 | The orig file does not contain a third party fraud report | No | Missing full fraud report for borrower. (Report in file is for a different loan) | 5-27-25: client uploaded fraud report. | 5-27-25: XXX reviewed fraud report; this report shows the borrower and the lender which completes the fraud report. Exception satisfied. | Not Applicable | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of 774 is above the required 660.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 54.05% is below the maximum allowable of 75%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Cash reserves = $XXX, 132.11 months. 6 months required.<br>CFCFS5269: Minimal use of credit<br> - XXX Comments: Borrower has minimal use of credit with credit usage ratio of 11.22%. |
| 9158439 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D A | D A | A | N/A | N/A | D A | D A | A | N/A | N/A | Credit | Insurance | Satisfied | C A | C A | CRDINSR5353 | Insurance Expiration date is prior than the transaction date | No | Provide updated Condo master policy. Policy in file expired XXX. | 5-29-25 Client uploaded updated policy. | 5-29-25 XXX reviewed policy and updated data points. Exception satisfied. | Not Applicable | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of 774 is above the required 660.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 54.05% is below the maximum allowable of 75%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Cash reserves = $XXX, 132.11 months. 6 months required.<br>CFCFS5269: Minimal use of credit<br> - XXX Comments: Borrower has minimal use of credit with credit usage ratio of 11.22%. |
| 9158441 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | N/A | N/A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post closing reserves $XXX,117.76 months; 6 months reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Median FICO of 778 exceeds the guideline program minimum of 660.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: 26 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. |
| 9158445 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | N/A | N/A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has resided at current residence for 6 years.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: 80% LTV below guideline requirements of 85% per program.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Median FICO of 769 exceeds the guideline program minimum of 660.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post closing reserves $XXX, 34.51 months; no reserves required. |
| 9137890 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | N/A | N/A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: 97 months of 0x30 mortgage history per CBR<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 752 mid-score per CBR. 680 minimum.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 7.7 months of reserves in file. 6 months required.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: 284 months of 0x30 consumer credit history per CBR. |
| 9137892 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D B | D A | B | A | A | D B | D A | B | A | A | Credit | Legal Documents | Satisfied | D A | D A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Provide final hud-1 | 6-10-25: client uploaded final settlement statement. | 6-10-25: XXX reviewed final settlement statement. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Median FICO of 749 exceeds the guideline program minimum of 700.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: 99 months with 0x30 Mortgage payment history exceeds guidelines of 12 months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post closing reserves $XXX; 103.21 months; 6 months reserves are required |
| 9137892 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D B | D A | B | A | A | D B | D A | B | A | A | Property Valuations | Property | Active | B | B | PRVAPROP177 | Property Issues Indicated | No | The subject property is zoned Commercial local business, property is ineligible per lender guidelines. XXX considers this non material as residential properties are legal in this zoning class per XXX zoning code, verified on the appraisal. All nearby property is residential in nature, industrial use is not allowed. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Median FICO of 749 exceeds the guideline program minimum of 700.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: 99 months with 0x30 Mortgage payment history exceeds guidelines of 12 months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post closing reserves $XXX; 103.21 months; 6 months reserves are required |
| 9137893 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D B | D B | A | A | A | D B | D B | A | A | A | Credit | Assets | Active | D B | D B | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | Missing Minimum of 30-days assets verification as required per Guidelines for the following accounts at XXX: #XXX, #XXX, #XXX, #XXX, #XXX, #XXX, #XXX, #XXX. Certificate of account balances in file verify a current balance at the end of XXX, however no open date or average balance provided. | 5-27-25 Client responded: Please see page 14 of original loan file package, bank statement shows balances from XXX-XXX. 5-29-25 Client responded: The assets in question are CD accounts, there will be no average balance, transaction history etc with these type of accounts. Please clear5-30-25 Client uploaded exception to accept asset verification without a one month history. | 5-28-25 XXX reviewed original file and found XXX Activity statement for account number XXX. This account was acceptable. The Exception is for XXX Account numbers #XXX, #XXX, #XXX, #XXX, #XXX, #XXX, #XXX, #XXX. Exception remains. 5-29-25 XXX reviewed assets. An open date for the CDs is required to establish assets as being at least 30 days old to meet guidelines. Exception remains. 6-2-25 XXX reviewed file and assets. XXX deems non-material/non-fatal to lending decision due to the following compensating factors: LTV 31.50%/85% max allowed, Credit score 804/680 minimum, 11 years at current address, 18.99 months reserves/0 months required and minimal credit use of 3%. Exception remains. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV 31.5% is below the maximum of 85%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Cash Reserves $XXX, 18.99 months reserves, 0 months required<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of 804 exceeds the minimum of 680, first time investor<br>CFCFS5269: Minimal use of credit<br> - XXX Comments: 3% revolving credit utilized<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: 11 years residing in current primary residence |
| 9158457 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D A | A | D A | N/A | N/A | D A | A | D A | N/A | N/A | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR3116 | Missing updated valuation | No | Missing third party valuation to support original appraised value.4-1-25 Guidelines (Section 1.9.1.3.1) state: "The Underwriter may submit the appraisal report to XXX (XXX). An eligible score is 2.5 or less". There is no longer an option to use LCA score. | 6-2-25: Client uploaded copy of UDCP XXX for review. | 6-2-25: XXX reviewed UCDP XXX with score of 1.2. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 706 mid-score per CBR. 700 minimum.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: 33 months of 0x30 rental history per VOR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 6.59 months of reserves in file. 6 months required. |
| 9158458 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV 78.57% is below the maximum of 85%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Cash Reserves $XXX, 6.23 months reserves, 0 months required<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score 708 exceeds the minimum of 660<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: 58 months reviewed for primary residence mortgage exceeds the 12 months required |
| 9137898 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C A | C A | A | A | A | C A | C A | A | A | A | Credit | Terms/Guidelines | Satisfied | C A | C A | CRDTER4238 | Business entity does not meet guidelines | No | Missing Operating Agreement for XXX to verify borrower's percentage of ownership as the business search information does not verify 100% ownership. Bank statements provided are the business assets that are used for funds to close and reserves. Assets to be adjusted based on percentage of ownership | 5-21-25 Client uploaded proof of ownership. | 5-21-25 XXX reviewed ownership document and updated assets to reflect 90%. Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV 73.54% is below the maximum of 85%<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit Score 752 exceeds the minimum of 660<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Cash reserves XXX, 2.24 months reserves, 6 months required<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: 33 months reviewed exceeds the 12 months required for primary residence mtg<br>CFCFS5269: Minimal use of credit<br> - XXX Comments: 17% revolving credit utilized |
| 9158460 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C A | C A | A | N/A | N/A | C A | C A | A | N/A | N/A | Credit | Assets | Satisfied | C A | C A | CRDAST205 | Insufficient Funds to Close | No | Total cash required to close from borrower XXX (after EMD XXX credit). Verified assets in XXX XXX on XXX XXX. Short XXX in verified assets. \*Lender used XXX XXX balance on 1008. | 5-19-25 Client uploaded XXX printout dated XXX | 5-19-25 XXX reviewed XXX printout and updated assets. Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: 75% LTV per review; maximum allowed is 80% per guidelines.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 688 mid-score per CBR. 660 minimum.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: 43 months of 0x30 mortgage history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Assets: Cash reserves XXX or 9.17 months. 0 months required. |
| 9137900 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has been at current residence for 16 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post closing reserves $XXX, 120.06 months; 6 months required.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score is 721 and minimum is 700 |
| 9158473 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | B | A | N/A | N/A | B | B | A | N/A | N/A | Credit | Credit/Mtg History | Active | B | B | CRDCRMH120 | Collections, charge offs, liens, etc. exceed guidelines | No | Mortgage forbearance is seasoned less than 36 months. Lender approved exception in file. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Mortgage payment history of 61 months exceeds the required 12 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of 745 is above the required 660.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves of 22.82 months exceeds the required 6 months reserves. |
| 9137910 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has resided at current residence for 5 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Median FICO of 740 exceeds the guideline program minimum of 700.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: 80% LTV below guideline requirements of 85% per program.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post closing reserves $XXX, 57.75 months; no reserves required. |
| 9137911 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D B | D B | A | D | A | D B | D B | A | D | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | D A | D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Missing XXX XXX #XXX statement that supports a total income calculation of $XXX.Reviewer calculated a total of $XXX without the missing statement which includes XXX XXX & XXX XXX - therefore eligible deposits need to be $XXX from the XXX XXX account to support income used to qualify. | 6-4-25 Client uploaded a Copy of XXX #XXX ending XXX bank stmt | 6-4-25 XXX reviewed statement and added eligible deposits of $XXX to income calculation for total income of $XXX. DTI changed to 50.33 which caused an exception for DTI over 50%.Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of 731 is above the required 700.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Cash reserves = $XXX, 13.84 months. 12 months required.<br>CFCFS5269: Minimal use of credit<br> - XXX Comments: Borrower has minimal use of credit with credit usage ratio of 0% as primary B2 has no balances on revolving accounts.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrowers have rented at current residence for 3 years with no late payments. |
| 9137911 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D B | D B | A | D | A | D B | D B | A | D | A | Credit | DTI | Active | C B | C B | CRDDTI187 | Debt Ratio > 50% | No | First time homebuyer DTI maximum is 45%, loan closed at 50.33%. $XXX PITI + $XXX other debt = $XXX/Total income calculated at $XXX = 50.33%. Lender provided approved exception. XXX deems non-material/non-fatal due to compensating factor: Credit score 731/700 minimum, 13.84 months cash reserves/12 months required, minimal credit usage at 0% and 3 years at current residence. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of 731 is above the required 700.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Cash reserves = $XXX, 13.84 months. 12 months required.<br>CFCFS5269: Minimal use of credit<br> - XXX Comments: Borrower has minimal use of credit with credit usage ratio of 0% as primary B2 has no balances on revolving accounts.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrowers have rented at current residence for 3 years with no late payments. |
| 9137911 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D B | D B | A | D | A | D B | D B | A | D | A | Credit | Income/Employment | Satisfied | D A | D A | CRDINC2408 | Income verification does not meet guidelines | No | Missing XXX XXX #XXX statement that supports a total income calculation of $XXX.Reviewer calculated a total of $XXX without the missing statement which includes XXX XXX & XXX XXX - therefore eligible deposits need to be $XXX from the XXX XXX account to support income used to qualify. | 6-4-25 Client uploaded XXX statement. | 6-4-25 XXX reviewed statement and added eligible deposits of $XXX to income calculation for total income of $XXX. DTI changed to 50.33 which caused an exception for DTI over 50%.Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of 731 is above the required 700.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Cash reserves = $XXX, 13.84 months. 12 months required.<br>CFCFS5269: Minimal use of credit<br> - XXX Comments: Borrower has minimal use of credit with credit usage ratio of 0% as primary B2 has no balances on revolving accounts.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrowers have rented at current residence for 3 years with no late payments. |
| 9137918 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has resided at current residence for 5 years.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: 80% LTV below guideline requirements of 85% per program.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Median FICO of 718 exceeds the guideline program minimum of 660.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post closing reserves XXX, 3.23 months; No reserves are required |
| 9158491 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | B | A | A | A | B | B | A | A | A | Credit | LTV/CLTV | Active | B | B | CRDLTV5736 | LTV Exceeds Guideline Requirement by less than 5% | No | XXX acres. Per g/l max 75% LTV on all properties >2 acres | 6-11-25 Client replied: HEM accepts B grade. | 6-11-25 Non-material exception remains. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has been at current residence for 10 years<br>CFCFS5269: Minimal use of credit<br> - XXX Comments: 12% consumer credit utilization in file<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 11.97 months piti reserves |
| 9158496 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrowers have been at current residence for 6 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post closing reserves $XXX, 30.76 months; 6 months required.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score is 683 and minimum is 660 |
| 9158497 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXX Comments: The borrowers have resided at current residence for 31 years.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: 66.67% LTV below guideline requirements of 75% per program.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Median FICO of 804 exceeds the guideline program minimum of 660. |
| 9137923 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | B | A | A | A | B | B | A | A | A | Credit | Income/Employment | Active | B | B | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Missing two months rent receipt for XXX and XXX as required per guidelines on a refinance in XXX.Page 79: Refinance The market rent for the accessory unit should be documented on FNMA Form 1007 and the file must include a copy of the current lease with two (2) months proof of current receipt.XXX deems non-material/non-fatal to lending decision due to compensating factors: Credit score of 746/660 minimum, LTV 69.136%/75% maximum, and 54.40 months cash reserves/6 required. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has been at current residence for 5 years<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Qualifying fico is 746. G/l min is 660<br>CFCFS5269: Minimal use of credit<br> - XXX Comments: 1% consumer credit utilization in file |
| 9137928 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has been at current residence for 23 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score is 775 and minimum is 700<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Borrower has no late payments on any mortgage with 25 year credit history. |
| 9158518 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D A | A | C A | D | A | D A | A | C A | D | A | Compliance | Documentation | Satisfied | D A | D A | CMPDOC195 | Missing Note | No | Please Provide copy of executed Note. | 6-4-25 Client uploaded Note. | 6.4.25-Client provided Note, Satisfied. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Mortgage payment history of 13 months exceeds the required 12 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score 766 exceeds the minimum of 700<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Cash reserves $XXX, 15.19 months reserves, 6 months required |
| 9158518 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D A | A | C A | D | A | D A | A | C A | D | A | Property Valuations | Property | Satisfied | C A | C A | PRVAPROP177 | Property Issues Indicated | No | Missing clarification how the property rights are held. Title verifies fee simple. Appraisal states XXX. If property is a XXX - provide a copy of the XXX agreement. | 6-5-25 Client responded: please see the uploaded appraisal | 6-5-25 XXX reviewed updated appraisal. Exception satisfied. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Mortgage payment history of 13 months exceeds the required 12 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score 766 exceeds the minimum of 700<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Cash reserves $XXX, 15.19 months reserves, 6 months required |
| 9158523 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | B | A | N/A | N/A | B | B | A | N/A | N/A | Credit | LTV/CLTV | Active | B | B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | Exceeds maximum LTV of 70% as required for vacant investment property. LTV is 75%. XXX considers this non material as borrower reserves of 12.18 months with none required, excellent mortgage pay history with no late payments in past year, and credit score of 723 with minimum required of 640. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Median FICO of 723 exceeds the guideline program minimum of 640.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post closing reserves $XXX, 12.18 months; no reserves required.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: 26 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. |
| 9137941 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C B | A | A | C | B | C B | A | A | C | B | Compliance | RESPA | Active | B | B | CMPRESPA2698 | RESPA - List of homeowners counseling organizations not in file | No | Missing list of homeowners counseling organizations. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score 712 exceeds the minimum of 660<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV 80% is below the maximum of 90%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Cash Reserves $XXX, 8.55 months reserves, 6 months required<br>CFCFS5269: Minimal use of credit<br> - XXX Comments: 3% of revolving credit utilized |
| 9137941 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C B | A | A | C | B | C B | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C A | C A | CMPTRID3552 | TRID - Loan Estimate not timely | No | Please provide LE dated within 3 days of application date of XXX. | 5.20.25-Client provided Initial LE issued XXX. Satisfied. | 5.20.25- Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score 712 exceeds the minimum of 660<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV 80% is below the maximum of 90%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Cash Reserves $XXX, 8.55 months reserves, 6 months required<br>CFCFS5269: Minimal use of credit<br> - XXX Comments: 3% of revolving credit utilized |
| 9158532 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D A | D A | A | A | A | D A | D A | A | A | A | Credit | Assets | Satisfied | C A | C A | CRDAST205 | Insufficient Funds to Close | No | Assets total XXX, required funds to close are XXX, the borrower is short funds to close of XXX. no reserves required. | 5-30-25 Client uploaded updated assets for XXX account. | 5-30-25 XXX reviewed assets and updated data points. Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: 80% LTV below guideline requirements of 85% per program.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Median FICO of 745 exceeds the guideline program minimum of 660.<br>CFCFS2860: Good credit history<br> - XXX Comments: Borrower credit history established since XXX, no public records or derogs. |
| 9158532 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D A | D A | A | A | A | D A | D A | A | A | A | Credit | Legal Documents | Satisfied | D A | D A | CRDLGL1817 | Final HUD-1 is incomplete or illegible | No | Final HUD dated XXX reflects gift funds of XXX, however file did not contain evidence of gift funds transfer to settlement agent and the wire to the settlement agent for XXX was from borrower. Provide corrected HUD to reflect no gift funds credit and total cash required at closing as XXX. | 5-23-25: client uploaded corrected HUD1. | 5-23-25: XXX reviewed corrected HUD1, no gift funds found and total cash to close from the borrower is XXX. Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: 80% LTV below guideline requirements of 85% per program.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Median FICO of 745 exceeds the guideline program minimum of 660.<br>CFCFS2860: Good credit history<br> - XXX Comments: Borrower credit history established since XXX, no public records or derogs. |
| 9158533 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C B | A | A | C | B | C B | A | A | C | B | Compliance | XXX Home Equity | Satisfied | C B | C B | CMPXXXHE119 | XXX Equity - Affidavit of Fair Market Value not signed by lender | No | Affidavit of Fair Market Value not signed by lender. | 6.4.25-Client provided XXX FMV form issued XXX, dated by lender & borrower. Satisfied. | 6.4.25-Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of 786 is above the required 720.<br>CFCFS5269: Minimal use of credit<br> - XXX Comments: Borrower has minimal use of credit with credit usage ratio of 11.09%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Cash reserves = $XXX, 104.19 months. 6 months required. |
| 9158534 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has resided at current residence for 38 years.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: 64.07% LTV below guideline requirements of 75% per program.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Median FICO of 713 exceeds the guideline program minimum of 700. |
| 9158537 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 763 mid-score per CBR.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: 83 months of 0x30 consumer credit history per CBR<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 30.61 months of reserves in file.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: 80% LTV per review; 90% LTV is maximum allowed per guidelines. |
| 9137950 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | N/A | N/A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Median FICO of 797 exceeds the guideline program minimum of 700.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post closing reserves XXX , 55.47 months; 6 months reserves required.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: 99 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. |
| 9137953 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | N/A | N/A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 777 mid-score per CBR. 660 minimum.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: 75% LTV per review; 85% LTV is maximum allowed per guidelines.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: 254 months of 0x30 consumer credit history per CBR.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: 154 months of 0x30 mortgage history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 22.78 months of reserves in file. 0 months required. |
| 9137742 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | B | B | A | A | A | B | B | A | A | A | Credit | Credit/Mtg History | Active | B | B | CRDCRMH104 | Credit score below guidelines | No | Borrower's representative credit score of 677 does not meet the minimum credit score for P&L program of 680. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: 10 years living at primary residence.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: 17.8 years employed with XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Assets: $XXX = 3.49 months of reserves. 0 months required.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: 63.04% LTV per review; 80% LTV is maximum allowed per guidelines. |
| 9158567 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post closing reserves $XXX , 17.67 months; 6 months reserves required<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: 40.01% DTI below guideline requirement of 45% for first time homebuyer.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Median FICO of 702 exceeds the guideline program minimum of 660. |
| 9158574 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 799 mid-score per CBR.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: 213 months of 0x30 consumer credit history per CBR.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: 201 months of active mortgage history at 0x30 delinquency per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 110.29 months of reserves in file.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: 75% LTV per review; 85% LTV is maximum allowed per guidelines. |
| 9158578 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXX Comments: The borrowers have resided at current residence for 10 years.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: 53.85% LTV below guideline requirements of 90% per program.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Median FICO of 780 exceeds the guideline program minimum of 660. |
| 9158582 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | N/A | N/A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has resided at current residence for 6 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post closing reserves $XXX , 50.60 months; 6 months reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Median FICO of 774 exceeds the guideline program minimum of 700. |
| 9158586 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D B | D B | A | N/A | N/A | D B | D B | A | N/A | N/A | Credit | Credit/Mtg History | Active | B | B | CRDCRMH2662 | Number of mortgaged properties exceeds guideline limit | No | XXX aggregate exposure limits a single borrower and/or household to exceed $XXX in current unpaid principal balance or 4 loans. Borrower has two loans (Subject $XXX + XXX $XXX.) in excess of $XXX.XXX deems non-material/non-fatal due to following compensating factors: Credit score 763/720 minimum, LTV 58.07%/70% maximum, 6.71% DTI/ 50% maximum, 19 months cash reserves/12 required and minimum credit usage of 13.91%. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of 763 is above the required 720.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 58.07% is below the maximum allowable of 70%.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of 6.79% is below the maximum allowable 50%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Cash reserves = $XXX, 19 months based on ITI. 12 months required.<br>CFCFS5269: Minimal use of credit<br> - XXX Comments: Borrower has minimal use of credit with credit usage ratio of 13.91%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Mortgage payment history of 34 months exceeds the required 12 months. |
| 9158586 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D B | D B | A | N/A | N/A | D B | D B | A | N/A | N/A | Credit | DTI | Satisfied | D A | D A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Missing verification of new financing PITIA for XXX at $XXX PITIA. | 6-20-25 Client uploaded first payment letter. | 6-20-25 XXX reviewed first payment letter and updated data points. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of 763 is above the required 720.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 58.07% is below the maximum allowable of 70%.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of 6.79% is below the maximum allowable 50%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Cash reserves = $XXX, 19 months based on ITI. 12 months required.<br>CFCFS5269: Minimal use of credit<br> - XXX Comments: Borrower has minimal use of credit with credit usage ratio of 13.91%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Mortgage payment history of 34 months exceeds the required 12 months. |
| 9158586 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D B | D B | A | N/A | N/A | D B | D B | A | N/A | N/A | Credit | Terms/Guidelines | Active | B | B | CRDTER110 | Loan amount exceeds guideline maximum | No | Loan amount of $XXX exceeds the maximum loan amount of $XXX for a cash out refinance. Loan considered a cash out as subject loan paid off XXX which was not a lien on title and therefore not used to purchase the home. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of 763 is above the required 720.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 58.07% is below the maximum allowable of 70%.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of 6.79% is below the maximum allowable 50%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Cash reserves = $XXX, 19 months based on ITI. 12 months required.<br>CFCFS5269: Minimal use of credit<br> - XXX Comments: Borrower has minimal use of credit with credit usage ratio of 13.91%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Mortgage payment history of 34 months exceeds the required 12 months. |
| 9158587 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | N/A | N/A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 787 mid-score per CBR.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: 72.06% LTV per review; 75% LTV is maximum allowed per guidelines.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: 97 months of 0x30 consumer credit history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post closing reserves $XXX, 156.49 months of reserves, 6 months required. |
| 9158597 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | N/A | N/A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXX Comments: 8 years living at primary residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 772 mid-score qualified per CBR.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: 118 months of 0x30 consumer credit history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 406.18 months of reserves in file. |
| 9042434 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D A | D A | A | N/A | N/A | D A | D A | A | N/A | N/A | Credit | Application | Satisfied | D A | D A | CRDAPP3312 | One or more Applications in file are incomplete | No | Residency status on 1003 is incomplete for the borrower. Unable to determine citizenship. | 1-21-25: client uploaded completed 1003.1-21-25: XXX reviewed completed 1003, residency status is clearly marked as XXX. | 1-21-25: exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 689 mid-score per CBR. 660 minimum.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: 9 years living at primary residence.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: 59 months of 0x30 mortgage history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 33.56 months of reserves in file. 6 months required. |
| 7044041 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post closing reserves $XXX, 24.83 months; 6 months required.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score is 683 and minimum is 660<br>CFCFS1739: Postive mortgage payment history<br> - XXX Comments: Borrower has positive mortgage payment history. |
| 7044068 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | N/A | N/A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post close reserves are $XXX, or 54.52 months. 6 months required.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of 670 exceeds guideline minimum for a DSCR with a ratio < 1.0.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Per XXX borrower has been in business since XXX. |
| 8442352 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | N/A | N/A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: 138+ Months Consumer Credit<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 20 Months Reserves<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: 99+ Months positive Mortgage History |
| 9067326 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | N/A | N/A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS2860: Good credit history<br> - XXX Comments: Borrower demonstrates good credit history.<br>CFCFS1739: Postive mortgage payment history<br> - XXX Comments: Borrower demonstrates positive mortgage payments history.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves exceeds guidelines. |
| 9101468 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | N/A | N/A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 70+ months reserves exceeds guidelines.<br>CFCFS2860: Good credit history<br> - XXX Comments: Borrower demonstrates good credit history.<br>CFCFS1739: Postive mortgage payment history<br> - XXX Comments: Borrower demonstrates positive mortgage payment history. |
| 9101379 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D A | D A | A | A | A | D A | D A | A | A | A | Credit | Legal Documents | Satisfied | D A | D A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Please provide Final HUD-1. | 3.24.25 Final settlement statement has been uploaded3.25.25 exception satisfied | 3.25.25 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 3 Months Reserves required, borrower has 3.47 months.Assets: Borrower required funds to close $XXX / reserves = XXX<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: Maximum LTV 80%, current LTV 70%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: 12 month payment history required, credit reports over 50 months |
| 9101357 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | N/A | N/A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has resided 47 years at current residence.<br>CFCFS2860: Good credit history<br> - XXX Comments: Borrower demonstrates good credit history.<br>CFCFS1739: Postive mortgage payment history<br> - XXX Comments: Borrower demonstrates positive mortgage payment history. |
| 9101470 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | N/A | N/A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS2860: Good credit history<br> - XXX Comments: Demonstrates Good Credit history<br>CFCFS1739: Postive mortgage payment history<br> - XXX Comments: 48+ Months positive Mortgage History Reporting<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: 101+ Months reporting positive |
| 9101362 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | N/A | N/A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: 69.77% LTV < guideline maximum of 75%<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 772 qualifying score exceeds 620 requirements<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: XXX reserves in file or 103.72 months PITI > required guidelines |
| 9101410 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B A | B A | A | N/A | N/A | B A | B A | A | N/A | N/A | Credit | Terms/Guidelines | Satisfied | B A | B A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing Fully Executed Cash Out Letter | 5.9.2025-Cash Out Letter Received. | 5.92025-Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 11 Months Reserves<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: 114+ Months reporting<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: 36+ Months reporting |
| 9101392 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C B | C B | C A | A | A | C B | C B | C A | A | A | Credit | Income/Employment | Active | C B | C B | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Market rents = $XXX. Lease in file with receipts verified = $XXX Lease had < 6 months remaining.Accepting $XXX amount as a grade 2/B non material /non fatal exception. 75.62% LTV, FICO 754, 33.15 months PITIA reserves noted. No significant credit related events. 14 years credit history with 0 mortgage lates. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post closing reserves $XXX, 33.15 months; 6 months required.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score is 754 and minimum is 700<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: Borrower has no late payments with 14 years of credit history. |
| 9101392 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C B | C B | C A | A | A | C B | C B | C A | A | A | Property Valuations | Value | Satisfied | C A | C A | PRVAVALU2586 | Significant variance between value at origination and most recent valuation | No | Missing documented home improvements that were completed since original purchase in XXX. Program guidelines require that all refinances for a property purchased <12 months ago must use acquisition cost plus documented home improvements for value; file contains only the copy of the CD showing acquisition price of $XXX on XXX. | Client responded - At that time of initial approval, XXX, the guideline was ''<80% LTV and purchased within 6 months and value increase <20% appraised value, >20% desk review''. Transaction LTV 75.62%. No cashout rate & term transaction, refinancing original lien loan amount of $XXX. Original cash to close $XXX. Original acquisition cost $XXX plus 20% increase of $XXX totals $XXX. Appraised value $XXX. Difference -($XXX). Appraisal report describes updated kitchen, bathroom, central air, new flooring and paint and pictures support. SSR risk score 1. I deemed it acceptable not toprocess a desk review as upgrades reasonably would have exceed $XXX and property presents very nicely.3.11.2025 After further review the Appraisal notates the property received updates throughout, including new kitchen, central air, updated bathrooms, new flooring and paint. Guidelines allow for this. UCDP in file with a CU of 1. Excetion satisfied | 3.11.2025 Exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post closing reserves $XXX, 33.15 months; 6 months required.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score is 754 and minimum is 700<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: Borrower has no late payments with 14 years of credit history. |
| 9101457 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D A | D A | A | A | A | D A | D A | A | A | A | Credit | Legal Documents | Satisfied | D A | D A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Provide the Final HUD. File contains an Estimated HUD. | 3.5.25 Final settlement statement has been uploaded, 3.6.24 exception satisfied | 3.6.24 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Assets: Post close reserves are $XXX, or 117.86 months. 6 months required.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: In residence 18 years.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Per state registry borrower has been XXX since XXX. |
| 9101367 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | N/A | N/A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS2860: Good credit history<br> - XXX Comments: Borrower demonstrates good credit history.<br>CFCFS1739: Postive mortgage payment history<br> - XXX Comments: Borrower demonstrates positive mortgage payment history.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 11+ Months verified reserves exceeds guidelines. |
| 9101419 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 773 mid-score per CBR.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: 30 years living at primary residence.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: 229 months of 0x30 mortgage history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 256.67 months of reserves in file. |
| 9101339 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 42 Months Reserves<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: 163+ Months reporting<br>CFCFS1739: Postive mortgage payment history<br> - XXX Comments: Per VOR in file from Management Company. Positive Rental History |
| 9101422 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | B | A | N/A | N/A | B | B | A | N/A | N/A | Credit | Terms/Guidelines | Active | B | B | CRDTER5518 | Loan fails XXX Minimum Equity requirement | No | (No Data) (No Data) (No Data) Not Applicable CFCFS2860: Good credit history<br> - XXX Comments: Demonstrates Good Credit History<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: 41 Months reporting<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 18 Months Reserves |  |  |  |  |  |
| 9101398 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | B | A | A | A | B | B | A | A | A | Credit | Terms/Guidelines | Active | B | B | CRDTER5518 | Loan fails XXX Minimum Equity requirement | No | Guidelines require XXX equity in the property, this property has XXX in equity. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - XXX Comments: Demonstrates Good Credit History<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: 41+ Months reporting<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: 397+ Months reporting |
| 9101439 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 6 months Reserves Required, borrower has 124.40 months<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: 12 months payment history required, credit reports 41 months<br>CFCFS2860: Good credit history<br> - XXX Comments: Borrower has no history of late payments |
| 9101451 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B A | B A | A | N/A | N/A | B A | B A | A | N/A | N/A | Credit | Assets | Satisfied | B A | B A | CRDAST206 | Asset Amounts Are Unsupported by Documentation in File | No | Missing Evidence Guarantor is Owner of XXX (XXX Chase Accounts are in this Business name and no evidence in file that Guarantor is associated with XXX) | 5.3.25 CPA letter received verifying ownership. | 5.3.25 exception satisfied. | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - XXX Comments: Demonstrates Good Credit History<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: 168+ Months reporting positive<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 22 Months Reserves |
| 9101402 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D B | D B | A | N/A | N/A | D B | D B | A | N/A | N/A | Credit | Assets | Active | B | B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Lender approved exception in file for short reserves; Borrower has appx. 4.8 months reserves with 78.76% LTV. Compensating factors are FICO, significant time in residence and good mortgage history. Client does this on a case by case basis. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 719 qualifying score exceeds 620 requirements<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has owned primary / current residence for 10+ years<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: 108 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. |
| 9101402 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D B | D B | A | N/A | N/A | D B | D B | A | N/A | N/A | Credit | Legal Documents | Satisfied | D A | D A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Missing Final HUD; HUD in file is marked as Estimated. | 3.24.2025 Client responded - please find the SS3.24.2025 Client provided the Final Settlement Statement. Exception satisfied | 3.24.2025 Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 719 qualifying score exceeds 620 requirements<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has owned primary / current residence for 10+ years<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: 108 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. |
| 9101342 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | B A | A | A | B | A | B A | A | A | B | A | Compliance | XXX Home Equity | Satisfied | B A | B A | CMPXXXHE320 | XXX Equity - XXX Equity : Missing T.42 Title Endorsement | No | Missing T.42 Title Endorsement | 5.9.25 Updated title with T.42 Title Endorsement provided | 5.9.25 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has owned primary / current residence for 18 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: $XXX reserves in file or 45.46 months PITI > required guidelines<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: 210 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. |
| 9101342 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | B A | A | A | B | A | B A | A | A | B | A | Compliance | XXX Home Equity | Satisfied | B A | B A | CMPXXXHE321 | XXX Equity - XXX Equity : Missing T.42.1 Title Endorsement | No | Missing T.42.1 Title Endorsement | 5.9.25 Updated title with T.4.12 Title Endorsement provided | 5.9.25 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has owned primary / current residence for 18 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: $XXX reserves in file or 45.46 months PITI > required guidelines<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: 210 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. |
| 9101347 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C A | A | A | C | A | C A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C A | C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide confirmation of receipt for initial CD dated XXX | 3.18.25 Client provided initial CD issued XXX, e-signed XXX. Satisfied. | 3.18.25-Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 782 qualifying score exceeds 620 requirements<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrowers have stable employment being XXX with same company for the past 27 years<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has owned primary / current residence for 9+ years |
| 9101347 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C A | A | A | C | A | C A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C A | C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide confirmation of receipt for initial CD dated XXX. | 3.18.25 Client provided initial CD issued XXX, e-signed XXX. Satisfied. | 3.18.25-Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 782 qualifying score exceeds 620 requirements<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrowers have stable employment being XXX with same company for the past 27 years<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has owned primary / current residence for 9+ years |
| 9101358 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 6 Months Reserves required, borrower has 69.37 months.<br>CFCFS2860: Good credit history<br> - XXX Comments: Borrower has no history of late payments<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: 12 month payment history required, over 60 months reported on credit |
| 9101376 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | N/A | N/A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 71 Months Reserves<br>CFCFS1739: Postive mortgage payment history<br> - XXX Comments: 80+ Months reporting positive<br>CFCFS2860: Good credit history<br> - XXX Comments: Good Credit History |
| 9101390 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C B | C B | A | N/A | N/A | C B | C B | A | N/A | N/A | Credit | LTV/CLTV | Active | C B | C B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | Loan to value is limited to 75% due to seasoning requirements. LTV is 80%. XXX deems this non-material due to the following compensating factors; 787 FICO, 12 months in reserves, and seasoned investor. | (No Data) | Non-Material. | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - XXX Comments: Demonstrates Good Credit History<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: 227+ Months reporting<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: 68+ Months Reporting |
| 9133551 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C B | C B | A | A | A | C B | C B | A | A | A | Credit | Credit/Mtg History | Active | C B | C B | CRDCRMH818 | Credit report date greater than transaction date | No | Closing/notary date XXX, credit report date XXX. | 4/17/25 Client provided a credit report dated XXX greater than 120 days from note date of XXX. Not allowed per page 65 of guidelines. | Exception downgraded to non-material upon receipt of original credit report dated XXX. Most recent CBR/scores used for qualifying. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post closing reserves $XXX or 28.49 months PITIA exceeds the guideline required 3 months PITIA of $XXX x 3 months = $XXX.<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has been a real estate investor for 24 years. |
| 9137955 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | N/A | N/A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS5269: Minimal use of credit<br> - XXX Comments: 0% consumer credit utilization in file<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Qualifying fico is 785. G/l min is 700<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post close assets are XXX, 10.29 months piti reserves, none required |
| 9158604 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | N/A | N/A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has resided at current residence for 17 years.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: 80% LTV below guideline requirements of 85% per program.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post closing reserves $XXX; 7.73 months; no reserves required. |
| 9158606 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C A | A | C A | N/A | N/A | C A | A | C A | N/A | N/A | Property Valuations | Appraisal | Satisfied | C A | C A | PRVAAPPR2502 | Appraiser is currently on an exclusionary list | No | Missing Appraiser search on the XXX Participant list to verify if on a watchlist. | 6-6-25: client uploaded copy of fraud report. | 6-6-25: XXX reviewed updated fraud report, appraiser is not on watch list. Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Cash Reserves $XXX, 134.67 months reserves, 6 months required<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score 783 exceeds the minimum of 700<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: 61 months reviewed for primary residence mtg exceeds the 12 months required<br>CFCFS5269: Minimal use of credit<br> - XXX Comments: 1% of revolving credit utilized |
| 4998321 | XXXXXX | XXXXXX | QM: Safe Harbor | QM: Safe Harbor | (No Data) B | (No Data) A | (No Data) A | (No Data) | B | (No Data) B | (No Data) A | (No Data) A | (No Data) | B | Compliance | RESPA | Active | N/A B | N/A B | CMPRESPA875 | Fees on HUD subject to 10% tolerance exceed amount on GFE by more than 10%; refund made after 30 days | No | 1.22.16 - Client made refund to the borrower in XXX, origination date is XXX. | (No Data) | (No Data) | (No Data) | (No Data) | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: B1 has been at current job for 23 years.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrowers have owned residence for 11 years.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: 48.38% LTV is below the maximum per guidelines of 65%<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of 781 exceeds the minimum of 720 |
| 4998321 | XXXXXX | XXXXXX | QM: Safe Harbor | QM: Safe Harbor | (No Data) B | (No Data) A | (No Data) A | (No Data) | B | (No Data) B | (No Data) A | (No Data) A | (No Data) | B | Compliance | RESPA | Satisfied | B A | B A | CMPRESPA876 | Settlement agent did not prepare a revised HUD-1 showing the correct charges | No | $XXX overage of 10% tolerance fees. GFE 10% fees $XXX. GFE + 10% = $XXX. HUD-1 10% fees $XXX. No evidence of refund in file and no revised HUD-1 prepared. Overage is based on GFE XXX that does not include an appraisal fee in block 3 total of $XXX. No documentation in file to support a change of circumstance within 3 days prior to the next GFE dated XXX that did include the appraisal fee. | 1.19.16 - Client provided a letter to the borrower regarding the refund, however proof of the refund, a revised HUD 1, as well as proof of delivery is required.1.22.16 - Client provided lox, proof of delivery, a revised Hud 1 and a copy of the check. | 1.19.16 - Exception Remains.1.22.16 - Exception Satisfied. | (No Data) | (No Data) | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: B1 has been at current job for 23 years.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrowers have owned residence for 11 years.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: 48.38% LTV is below the maximum per guidelines of 65%<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of 781 exceeds the minimum of 720 |
| 4998321 | XXXXXX | XXXXXX | QM: Safe Harbor | QM: Safe Harbor | (No Data) B | (No Data) A | (No Data) A | (No Data) | B | (No Data) B | (No Data) A | (No Data) A | (No Data) | B | Compliance | RESPA | Satisfied | C A | C A | CMPRESPA2840 | RESPA-Fee subject to 10% tolerance is greater on HUD than on GFE; no evidence of refund in the file | No | $227.78 overage of 10% tolerance fees. GFE 10% fees $XXX. GFE + 10% = $XXX. HUD-1 10% fees $XXX. No evidence of refund in file and no revised HUD-1 prepared. Overage is based on GFE XXX that does not include an appraisal fee in block 3 total of $XXX. No documentation in file to support a change of circumstance within 3 days prior to the next GFE dated XXX that did include the appraisal fee. | 1.19.16 - Client provided a letter to the borrower regarding the refund, however proof of the refund, a revised HUD 1, as well as proof of delivery is required.1.22.16 - Client provided lox, proof of delivery, a revised Hud 1 and a copy of the check. | 1.19.16 - Exception Remains.1.22.16 - Exception Satisfied. | (No Data) | (No Data) | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: B1 has been at current job for 23 years.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrowers have owned residence for 11 years.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: 48.38% LTV is below the maximum per guidelines of 65%<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of 781 exceeds the minimum of 720 |
| 4998321 | XXXXXX | XXXXXX | QM: Safe Harbor | QM: Safe Harbor | (No Data) B | (No Data) A | (No Data) A | (No Data) | B | (No Data) B | (No Data) A | (No Data) A | (No Data) | B | Compliance | Right of Rescission | Active | N/A B | N/A B | CMPROR118 | ROR - Disbursement date is on/before disclosed "midnight of" date | No | 1.19.16 - The funds were disbursed prior to the end of the rescission. The Lender re-opened rescission and allowed the borrower the statutory 3 days. Non-Material exception. | (No Data) | (No Data) | (No Data) | (No Data) | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: B1 has been at current job for 23 years.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrowers have owned residence for 11 years.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: 48.38% LTV is below the maximum per guidelines of 65%<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of 781 exceeds the minimum of 720 |
| 4998321 | XXXXXX | XXXXXX | QM: Safe Harbor | QM: Safe Harbor | (No Data) B | (No Data) A | (No Data) A | (No Data) | B | (No Data) B | (No Data) A | (No Data) A | (No Data) | B | Compliance | Right of Rescission | Satisfied | C B | C B | CMPROR117 | ROR - Expiration date on form prior to end of rescission period | No | Right of Rescission was signed by borrowers on XXX, earliest expiration date would be XXX. | 1.19.16 - Corrected ROR provided in file XXX, after close. | 1.19.16 - Exception Satisfied. | (No Data) | (No Data) | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: B1 has been at current job for 23 years.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrowers have owned residence for 11 years.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: 48.38% LTV is below the maximum per guidelines of 65%<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of 781 exceeds the minimum of 720 |
| 4998321 | XXXXXX | XXXXXX | QM: Safe Harbor | QM: Safe Harbor | (No Data) B | (No Data) A | (No Data) A | (No Data) | B | (No Data) B | (No Data) A | (No Data) A | (No Data) | B | Compliance | Right of Rescission | Satisfied | N/A B | N/A B | CMPROR2330 | ROR - Disbursement date is before end of statutory rescission period | No | 1.19.16 - Exception fired due to the re-opening of the rescission period and the corrected ROR provided in file XXX, after close. | (No Data) | 1.19.16 - Exception Satisfied. | (No Data) | (No Data) | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: B1 has been at current job for 23 years.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrowers have owned residence for 11 years.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: 48.38% LTV is below the maximum per guidelines of 65%<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of 781 exceeds the minimum of 720 |
| 9119045 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C B | C B | A | A | A | C B | C B | A | A | A | Credit | Credit/Mtg History | Waived | C B | C B | CRDCRMH148 | Credit report stale dated at closing | No | The undisclosed debt notification dated within 10 days of closing was not in the file. The UDN in the file was dated XXX which is more than 10 days from closing (XXX) and the fraud report does not show debt monitoring was activated. | Received client waiver | Waived | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Borrower has a 756 credit score which is 56 points above the required 700.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 23 months of reserves. |

---

---

| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | **MSRM 2025-NQM6** |
| **Start - End Dates:** | **1/5/2016 - 6/19/2025** |
| **Deal Loan Count:** | **103** |
| **Conditions Report 2.0** | **Conditions Report 2.0** |
| ***Loans in Report:*** | *103* |
| ***Loans with Conditions:*** | *45* |

---

---

| | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **TRID Indicator** | **Lender Application Date** | **Broker Application Date** | **Initial Securitization Overall Loan Grade** | **Initial Securitization Credit Loan Grade** | **Initial Securitization Property Valuations Loan Grade** | **Initial Securitization Compliance Loan Grade** | **Final Securitization Compliance Loan Grade** | **Initial S&P Overall Loan Grade** | **Initial S&P Credit Loan Grade** | **Initial S&P Property Valuations Loan Grade** | **Initial S&P Compliance Loan Grade** | **Final S&P Compliance Loan Grade** | **Did Lender Acknowledge Exception at Origination** |
| 9104544 | Yes | XXXXXX | XXXXXX | C B | C B | B | N/A | N/A | C B | C B | B | N/A | N/A | No |
| 9042433 | Yes | XXXXXX | XXXXXX | A | A | A | N/A | N/A | A | A | A | N/A | N/A | Not Applicable |
| 9137732 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 9137734 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | No |
| 9137735 | Yes | XXXXXX | XXXXXX | C A | C A | A | A | A | C A | C A | A | A | A | Not Applicable |
| 9158358 | Yes | XXXXXX | XXXXXX | A | A | A | N/A | N/A | A | A | A | N/A | N/A | Not Applicable |
| 9137739 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 9104638 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 9104641 | Yes | XXXXXX | XXXXXX | A | A | A | N/A | N/A | A | A | A | N/A | N/A | Not Applicable |
| 9104751 | Yes | XXXXXX | XXXXXX | A | A | A | N/A | N/A | A | A | A | N/A | N/A | Not Applicable |
| 9137749 | Yes | XXXXXX | XXXXXX | D B | D A | A | C | B | D B | D A | A | C | B | Not Applicable |
| 9137755 | Yes | XXXXXX | XXXXXX | A | A | A | N/A | N/A | A | A | A | N/A | N/A | Not Applicable |
| 9158377 | Yes | XXXXXX | XXXXXX | B | B | A | N/A | N/A | B | B | A | N/A | N/A | Not Applicable |
| 9137789 | Yes | XXXXXX | XXXXXX | B | B | A | A | A | B | B | A | A | A | Not Applicable |
| 9137796 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 9137807 | Yes | XXXXXX | XXXXXX | B | A | B | A | A | B | A | B | A | A | Not Applicable |
| 9158404 | Yes | XXXXXX | XXXXXX | C A | C A | A | A | A | C A | C A | A | A | A | Not Applicable |
| 9158405 | Yes | XXXXXX | XXXXXX | A | A | A | N/A | N/A | A | A | A | N/A | N/A | Not Applicable |
| 9158407 | Yes | XXXXXX | XXXXXX | A | A | A | N/A | N/A | A | A | A | N/A | N/A | Not Applicable |
| 9137829 | Yes | XXXXXX | XXXXXX | A | A | A | N/A | N/A | A | A | A | N/A | N/A | Not Applicable |
| 9158409 | Yes | XXXXXX | XXXXXX | D A | D A | A | N/A | N/A | D A | D A | A | N/A | N/A | Not Applicable |
| 9158411 | Yes | XXXXXX | XXXXXX | A | A | A | N/A | N/A | A | A | A | N/A | N/A | Not Applicable |
| 9158412 | Yes | XXXXXX | XXXXXX | A | A | A | N/A | N/A | A | A | A | N/A | N/A | Not Applicable |
| 9158413 | Yes | XXXXXX | XXXXXX | B | B | A | N/A | N/A | B | B | A | N/A | N/A | Not Applicable |
| 9158414 | Yes | XXXXXX | XXXXXX | A | A | A | N/A | N/A | A | A | A | N/A | N/A | Not Applicable |
| 9158417 | Yes | XXXXXX | XXXXXX | A | A | A | N/A | N/A | A | A | A | N/A | N/A | Not Applicable |
| 9137839 | Yes | XXXXXX | XXXXXX | A | A | A | N/A | N/A | A | A | A | N/A | N/A | Not Applicable |
| 9158426 | Yes | XXXXXX | XXXXXX | C A | C A | A | A | A | C A | C A | A | A | A | Not Applicable |
| 9158429 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 9137850 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 9158433 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 9158434 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 9137865 | Yes | XXXXXX | XXXXXX | C A | C A | C A | N/A | N/A | C A | C A | C A | N/A | N/A | No |
| 9158437 | Yes | XXXXXX | XXXXXX | D A | D A | A | N/A | N/A | D A | D A | A | N/A | N/A | Not Applicable |
| 9158439 | Yes | XXXXXX | XXXXXX | D A | D A | A | N/A | N/A | D A | D A | A | N/A | N/A | No |
| 9158441 | Yes | XXXXXX | XXXXXX | A | A | A | N/A | N/A | A | A | A | N/A | N/A | Not Applicable |
| 9158445 | Yes | XXXXXX | XXXXXX | A | A | A | N/A | N/A | A | A | A | N/A | N/A | Not Applicable |
| 9137890 | Yes | XXXXXX | XXXXXX | A | A | A | N/A | N/A | A | A | A | N/A | N/A | Not Applicable |
| 9137892 | Yes | XXXXXX | XXXXXX | D B | D A | B | A | A | D B | D A | B | A | A | Not Applicable |
| 9137893 | Yes | XXXXXX | XXXXXX | D B | D B | A | A | A | D B | D B | A | A | A | Not Applicable |
| 9158457 | Yes | XXXXXX | XXXXXX | D A | A | D A | N/A | N/A | D A | A | D A | N/A | N/A | Not Applicable |
| 9158458 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 9137898 | Yes | XXXXXX | XXXXXX | C A | C A | A | A | A | C A | C A | A | A | A | Not Applicable |
| 9158460 | Yes | XXXXXX | XXXXXX | C A | C A | A | N/A | N/A | C A | C A | A | N/A | N/A | Not Applicable |
| 9137900 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 9158473 | Yes | XXXXXX | XXXXXX | B | B | A | N/A | N/A | B | B | A | N/A | N/A | Yes |
| 9137910 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 9137911 | Yes | XXXXXX | XXXXXX | D B | D B | A | D | A | D B | D B | A | D | A | No |
| 9137918 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 9158491 | Yes | XXXXXX | XXXXXX | B | B | A | A | A | B | B | A | A | A | Not Applicable |
| 9158496 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 9158497 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 9137923 | Yes | XXXXXX | XXXXXX | B | B | A | A | A | B | B | A | A | A | Not Applicable |
| 9137928 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 9158518 | Yes | XXXXXX | XXXXXX | D A | A | C A | D | A | D A | A | C A | D | A | Not Applicable |
| 9158523 | Yes | XXXXXX | XXXXXX | B | B | A | N/A | N/A | B | B | A | N/A | N/A | Not Applicable |
| 9137941 | Yes | XXXXXX | XXXXXX | C B | A | A | C | B | C B | A | A | C | B | Not Applicable |
| 9158532 | Yes | XXXXXX | XXXXXX | D A | D A | A | A | A | D A | D A | A | A | A | Not Applicable |
| 9158533 | Yes | XXXXXX | XXXXXX | C B | A | A | C | B | C B | A | A | C | B | No |
| 9158534 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 9158537 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 9137950 | Yes | XXXXXX | XXXXXX | A | A | A | N/A | N/A | A | A | A | N/A | N/A | Not Applicable |
| 9137953 | Yes | XXXXXX | XXXXXX | A | A | A | N/A | N/A | A | A | A | N/A | N/A | Not Applicable |
| 9137742 | Yes | XXXXXX | XXXXXX | B | B | A | A | A | B | B | A | A | A | Not Applicable |
| 9158567 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 9158574 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 9158578 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 9158582 | Yes | XXXXXX | XXXXXX | A | A | A | N/A | N/A | A | A | A | N/A | N/A | Not Applicable |
| 9158586 | Yes | XXXXXX | XXXXXX | D B | D B | A | N/A | N/A | D B | D B | A | N/A | N/A | No |
| 9158587 | Yes | XXXXXX | XXXXXX | A | A | A | N/A | N/A | A | A | A | N/A | N/A | Not Applicable |
| 9158597 | Yes | XXXXXX | XXXXXX | A | A | A | N/A | N/A | A | A | A | N/A | N/A | Not Applicable |
| 9042434 | Yes | XXXXXX | XXXXXX | D A | D A | A | N/A | N/A | D A | D A | A | N/A | N/A | Not Applicable |
| 7044041 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 7044068 | Yes | XXXXXX | XXXXXX | A | A | A | N/A | N/A | A | A | A | N/A | N/A | Not Applicable |
| 8442352 | Yes | XXXXXX | XXXXXX | A | A | A | N/A | N/A | A | A | A | N/A | N/A | No |
| 9067326 | Yes | XXXXXX | XXXXXX | A | A | A | N/A | N/A | A | A | A | N/A | N/A | Not Applicable |
| 9101468 | Yes | XXXXXX | XXXXXX | A | A | A | N/A | N/A | A | A | A | N/A | N/A | Yes |
| 9101379 | Yes | XXXXXX | XXXXXX | D A | D A | A | A | A | D A | D A | A | A | A | Not Applicable |
| 9101357 | Yes | XXXXXX | XXXXXX | A | A | A | N/A | N/A | A | A | A | N/A | N/A | Not Applicable |
| 9101470 | Yes | XXXXXX | XXXXXX | A | A | A | N/A | N/A | A | A | A | N/A | N/A | No |
| 9101362 | Yes | XXXXXX | XXXXXX | A | A | A | N/A | N/A | A | A | A | N/A | N/A | Not Applicable |
| 9101410 | Yes | XXXXXX | XXXXXX | B A | B A | A | N/A | N/A | B A | B A | A | N/A | N/A | No |
| 9101392 | Yes | XXXXXX | XXXXXX | C B | C B | C A | A | A | C B | C B | C A | A | A | Yes |
| 9101457 | Yes | XXXXXX | XXXXXX | D A | D A | A | A | A | D A | D A | A | A | A | Not Applicable |
| 9101367 | Yes | XXXXXX | XXXXXX | A | A | A | N/A | N/A | A | A | A | N/A | N/A | Yes |
| 9101419 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 9101339 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | No |
| 9101422 | Yes | XXXXXX | XXXXXX | B | B | A | N/A | N/A | B | B | A | N/A | N/A | No |
| 9101398 | Yes | XXXXXX | XXXXXX | B | B | A | A | A | B | B | A | A | A | No |
| 9101439 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 9101451 | Yes | XXXXXX | XXXXXX | B A | B A | A | N/A | N/A | B A | B A | A | N/A | N/A | No |
| 9101402 | Yes | XXXXXX | XXXXXX | D B | D B | A | N/A | N/A | D B | D B | A | N/A | N/A | Not Applicable |
| 9101342 | Yes | XXXXXX | XXXXXX | B A | A | A | B | A | B A | A | A | B | A | Not Applicable |
| 9101347 | Yes | XXXXXX | XXXXXX | C A | A | A | C | A | C A | A | A | C | A | Not Applicable |
| 9101358 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 9101376 | Yes | XXXXXX | XXXXXX | A | A | A | N/A | N/A | A | A | A | N/A | N/A | No |
| 9101390 | Yes | XXXXXX | XXXXXX | C B | C B | A | N/A | N/A | C B | C B | A | N/A | N/A | No |
| 9133551 | Yes | XXXXXX | XXXXXX | C B | C B | A | A | A | C B | C B | A | A | A | No |
| 9137955 | Yes | XXXXXX | XXXXXX | A | A | A | N/A | N/A | A | A | A | N/A | N/A | Not Applicable |
| 9158604 | Yes | XXXXXX | XXXXXX | A | A | A | N/A | N/A | A | A | A | N/A | N/A | Not Applicable |
| 9158606 | Yes | XXXXXX | XXXXXX | C A | A | C A | N/A | N/A | C A | A | C A | N/A | N/A | Not Applicable |
| 4998321 | No | XXXXXX | XXXXXX | (No Data) B | (No Data) A | (No Data) A | (No Data) | B | (No Data) B | (No Data) A | (No Data) A | (No Data) | B | (No Data) |
| 9119045 | Yes | XXXXXX | XXXXXX | C B | C B | A | A | A | C B | C B | A | A | A | Not Applicable |

---

## Exhibit 99.4

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

**Exhibit 99.4 – Schedule 3**

---

| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | MSRM 2025-NQM6 |
| **Start - End Dates:** | 1/5/2016 - 6/19/2025 |
| **Deal Loan Count:** | 103 |
| **Loan Level Tape Compare Upload** | **Loan Level Tape Compare Upload** |
| *Loans in Report* | *103* |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Loan Number** | **Borrower Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| 9104544 | XXXXXX | Borrower DSCR Percent | 1.5173 | 1.6318 |
| 9104544 | XXXXXX | Representative Credit Score for Grading | 773 | 781 |
| 9042433 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 9137732 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 9137732 | XXXXXX | Combined LTV | 67.20 | 70.00 |
| 9137732 | XXXXXX | Months Reserves | 16.00 | 14.15 |
| 9137732 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 9137734 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 9137734 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 9137734 | XXXXXX | Months Reserves | 27.00 | 48.59 |
| 9137734 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 9137735 | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| 9137735 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 9137735 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 9158358 | XXXXXX | Original Appraisal Date | XXXXXX | XXXXXX |
| 9158358 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 9137739 | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| 9137739 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 9104638 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 9104641 | XXXXXX | Borrower DSCR Percent | 1.9705 | 1.5765 |
| 9104641 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 9104751 | XXXXXX | Original Appraisal Date | XXXXXX | XXXXXX |
| 9137749 | XXXXXX | Property Type | Detached PUD | Attached PUD |
| 9137749 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 9137749 | XXXXXX | Total Monthly Income | 18622.89 | 19486.34 |
| 9137755 | XXXXXX | Original Appraisal Date | XXXXXX | XXXXXX |
| 9137755 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 9158377 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 9137789 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 9137789 | XXXXXX | Months Reserves | 6.00 | 31.54 |
| 9137789 | XXXXXX | Product Type | 30 Yr Fixed | 30 yr Fixed - 10 yr IO |
| 9137789 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 9137796 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 9137796 | XXXXXX | Months Reserves | 86.00 | 65.44 |
| 9137796 | XXXXXX | Original Appraisal Date | XXXXXX | XXXXXX |
| 9137796 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 9137807 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 9137807 | XXXXXX | Combined LTV | 64.40 | 70.00 |
| 9137807 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 9137807 | XXXXXX | Months Reserves | 39.00 | 0.61 |
| 9137807 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 9158404 | XXXXXX | Borrower 1 Total Income | 40482.81 | 40492.14 |
| 9158404 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 9158404 | XXXXXX | Months Reserves | 7.00 | 7.19 |
| 9158404 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 9158404 | XXXXXX | Total Monthly Income | 44843.73 | 44853.06 |
| 9158405 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 9158405 | XXXXXX | Months Reserves | 8.00 | 7.72 |
| 9158405 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 9137829 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 9137829 | XXXXXX | Months Reserves | 205.00 | 205.47 |
| 9137829 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 9158411 | XXXXXX | Original Appraisal Date | XXXXXX | XXXXXX |
| 9158411 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 9158413 | XXXXXX | Original Appraisal Date | XXXXXX | XXXXXX |
| 9158413 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 9158414 | XXXXXX | Original Appraisal Date | XXXXXX | XXXXXX |
| 9158414 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 9158417 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 9158417 | XXXXXX | Product Type | 30 Yr Fixed | 30 yr Fixed - 10 yr IO |
| 9158417 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 9137839 | XXXXXX | Months Reserves | 3.00 | 26.18 |
| 9137839 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 9158426 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 9158426 | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| 9158426 | XXXXXX | Months Reserves | 159.00 | 149.10 |
| 9158426 | XXXXXX | Representative Credit Score for Grading | 732 | 734 |
| 9158426 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 9158429 | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| 9158429 | XXXXXX | Debt to Income Ratio (Back) | 48.9090 | 41.8559 |
| 9158429 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 9137850 | XXXXXX | Combined LTV | 63.68 | 80.00 |
| 9137850 | XXXXXX | Property Type | Detached PUD | Attached PUD |
| 9137850 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 9158433 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 9158433 | XXXXXX | Months Reserves | 55.00 | 5.75 |
| 9158433 | XXXXXX | Original P&I | XXXXXX | XXXXXX |
| 9158433 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 9158434 | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| 9137865 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 9158437 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 9158437 | XXXXXX | Months Reserves | 25.00 | 35.84 |
| 9158437 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 9158445 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 9158445 | XXXXXX | Combined LTV | 75.00 | 80.00 |
| 9158445 | XXXXXX | Months Reserves | 35.00 | 34.51 |
| 9158445 | XXXXXX | Original Appraisal Date | XXXXXX | XXXXXX |
| 9158445 | XXXXXX | Property Type | SFR | Low Rise Condo (1-4) |
| 9158445 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 9137890 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 9137892 | XXXXXX | Original Appraisal Date | XXXXXX | XXXXXX |
| 9137893 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 9137893 | XXXXXX | Months Reserves | 33.00 | 18.99 |
| 9137893 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 9158457 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 9158457 | XXXXXX | Months Reserves | 7.00 | 6.59 |
| 9158457 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 9158458 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 9158458 | XXXXXX | Combined LTV | 74.58 | 78.57 |
| 9158458 | XXXXXX | Months Reserves | 6.00 | 6.23 |
| 9158458 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 9137898 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 9137898 | XXXXXX | Months Reserves | 9.00 | 2.24 |
| 9137898 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 9158460 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 9158460 | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| 9158460 | XXXXXX | Months Reserves | 24.00 | 9.17 |
| 9158460 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 9158460 | XXXXXX | Product Type | 30 Yr Fixed | 30 yr Fixed - 10 yr IO |
| 9158460 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 9137900 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 9137900 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 9137900 | XXXXXX | Months Reserves | 108.00 | 120.06 |
| 9137900 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 9158473 | XXXXXX | Ever in Foreclosure | Yes | No |
| 9137910 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 9137910 | XXXXXX | Months Reserves | 58.00 | 57.75 |
| 9137910 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 9137911 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 9137911 | XXXXXX | Combined LTV | 84.86 | 90.00 |
| 9137911 | XXXXXX | Months Reserves | 14.00 | 13.84 |
| 9137911 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 9137911 | XXXXXX | Total Monthly Income | 8172.62 | 8096.37 |
| 9137918 | XXXXXX | Borrower DSCR Percent | 1.5008 | 1.8747 |
| 9137918 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 9137918 | XXXXXX | Combined LTV | 77.71 | 80.00 |
| 9137918 | XXXXXX | Months Reserves | 3.00 | 3.23 |
| 9137918 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 9158491 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 9158491 | XXXXXX | Months Reserves | 12.00 | 11.97 |
| 9158491 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 9158496 | XXXXXX | Borrower 1 Total Income | 2830.90 | 2828.24 |
| 9158496 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 9158496 | XXXXXX | Total Monthly Income | 5308.35 | 5305.69 |
| 9158497 | XXXXXX | Borrower DSCR Percent | 1.5322 | 1.9262 |
| 9137923 | XXXXXX | Product Type | 30 Yr Fixed | 30 yr Fixed - 10 yr IO |
| 9137928 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 9158518 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 9158518 | XXXXXX | Months Reserves | 18.00 | 15.19 |
| 9158518 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 9158523 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 9158523 | XXXXXX | Months Reserves | 12.00 | 12.18 |
| 9158523 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 9137941 | XXXXXX | Borrower 1 Total Income | 17666.39 | 17707.81 |
| 9137941 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 9137941 | XXXXXX | Months Reserves | 9.00 | 8.55 |
| 9137941 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 9137941 | XXXXXX | Total Monthly Income | 17666.39 | 17707.81 |
| 9158532 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 9158532 | XXXXXX | Combined LTV | 74.55 | 80.00 |
| 9158532 | XXXXXX | Months Reserves | 6.00 | 0.19 |
| 9158532 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 9158533 | XXXXXX | Borrower 1 Total Income | 6411.32 | 4875.00 |
| 9158533 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 9158533 | XXXXXX | Total Monthly Income | 6411.32 | 6411.00 |
| 9158534 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 9158537 | XXXXXX | Borrower 1 Total Income | 18889.16 | 18855.16 |
| 9158537 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 9158537 | XXXXXX | Months Reserves | 31.00 | 30.61 |
| 9158537 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 9158537 | XXXXXX | Total Monthly Income | 18889.16 | 18855.16 |
| 9137950 | XXXXXX | Product Type | 30 Yr Fixed | 30 yr Fixed - 10 yr IO |
| 9137953 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 9137953 | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| 9137953 | XXXXXX | Months Reserves | 23.00 | 22.78 |
| 9137953 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 9137742 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 9137742 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 9137742 | XXXXXX | Months Reserves | 5.00 | 3.49 |
| 9137742 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 9158567 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 9158567 | XXXXXX | Months Reserves | 2.00 | 17.67 |
| 9158567 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 9158574 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 9158574 | XXXXXX | Combined LTV | 64.37 | 75.00 |
| 9158574 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 9158574 | XXXXXX | Months Reserves | 110.00 | 110.29 |
| 9158574 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 9158578 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 9158578 | XXXXXX | Combined LTV | 50.00 | 53.85 |
| 9158578 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 9158578 | XXXXXX | Months Reserves | 1.00 | 0.57 |
| 9158578 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 9158586 | XXXXXX | Borrower 1 Self Employed Flag | Yes | No |
| 9158586 | XXXXXX | Borrower 1 Total Income | 1329380.82 | 0.00 |
| 9158586 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 9158586 | XXXXXX | Loan Purpose | Rate and Term Refi | Cashout Refi |
| 9158586 | XXXXXX | Months Reserves | 27.00 | 19.00 |
| 9158586 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 9158586 | XXXXXX | Total Monthly Income | 1329380.82 | 1059988.74 |
| 9158587 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 9158587 | XXXXXX | Months Reserves | 155.00 | 156.49 |
| 9158587 | XXXXXX | Product Type | 30 Yr Fixed | 30 yr Fixed - 10 yr IO |
| 9158587 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 9158597 | XXXXXX | Borrower 2 First Name | XXXXXX | XXXXXX |
| 9158597 | XXXXXX | Borrower 2 Last Name | XXXXXX | XXXXXX |
| 9158597 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 9101468 | XXXXXX | Borrower DSCR Percent | 3.4500 | 1.2344 |
| 9101468 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 9101379 | XXXXXX | Borrower DSCR Percent | 1.0100 | 1.1164 |
| 9101379 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 9101357 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 9101357 | XXXXXX | Months Reserves | 15.00 | 10.10 |
| 9101392 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 9101392 | XXXXXX | Months Reserves | 47.00 | 33.15 |
| 9101457 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 9101457 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 9101419 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 9101339 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 9101339 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 9101339 | XXXXXX | Months Reserves | 32.00 | 42.14 |
| 9101439 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 9101347 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 9101347 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 9101347 | XXXXXX | Months Reserves | 323.00 | 299.22 |
| 9101376 | XXXXXX | Representative Credit Score for Grading | 664 | 674 |
| 9101390 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 9101390 | XXXXXX | Months Reserves | 31.00 | 12.14 |
| 9101390 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 9133551 | XXXXXX | Debt to Income Ratio (Back) | 66.6310 | 0.0000 |
| 9133551 | XXXXXX | Property Zip | XXXXXX | XXXXXX |
| 9137955 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 9137955 | XXXXXX | Combined LTV | 77.55 | 80.00 |
| 9137955 | XXXXXX | Months Reserves | 44.00 | 10.29 |
| 9137955 | XXXXXX | Product Type | 30 Yr Fixed | 30 yr Fixed - 10 yr IO |
| 9137955 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 9158604 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 9158604 | XXXXXX | Combined LTV | 74.11 | 80.00 |
| 9158604 | XXXXXX | Months Reserves | 122.00 | 7.73 |
| 9158604 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 9158606 | XXXXXX | Borrower 2 First Name | XXXXXX | XXXXXX |
| 9158606 | XXXXXX | Borrower DSCR Percent | 1.4093 | 1.2 |
| 9158606 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 9158606 | XXXXXX | Months Reserves | '-101.00 | 134.67 |
| 9158606 | XXXXXX | Original P&I | XXXXXX | XXXXXX |
| 9158606 | XXXXXX | Representative Credit Score for Grading | 780 | 783 |
| 4998321 | XXXXXX | Origination Date | XXXXXX | XXXXXX |
| 9119045 | XXXXXX | Debt to Income Ratio (Back) | 18.7700 | 25.7400 |

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## Exhibit 99.4

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

**Exhibit 99.4 – Schedule 4**

---

| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | **MSRM 2025-NQM6** |
| **Start - End Dates:** | **1/5/2016 - 6/19/2025** |
| **Deal Loan Count:** | **103** |
| **Rating Agency ATR QM Data Fields** | **Rating Agency ATR QM Data Fields** |
| *Loans in Report:* | *103* |

---

---

| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Loan Level ATR/QM Status** | **Application Date Prior to 1/10/2014** | **TRID Indicator** | **Lender Application Date** | **Broker Application Date** | **GSE Eligible** | **QRM Flag** | **ATR/QM Total Points and Fees** | **Rate Lock Date** | **APR** | **Bwr 1 Employment Indicator** | **Bwr 2 Employment Indicator** | **Bwr 1 Foreign National Indicator** | **Bwr 2 Foreign National Indicator** | **Borrowers Qualified Through a Non-Resident Alien Program** | **Residual Income Analysis in File** | **ATR/QM Residual Income** |
| 9104544 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.75 | Unemployed | Unemployed | (No Data) | (No Data) | (No Data) | (No Data) | 0 |
| 9042433 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.375 | Unemployed | Unemployed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | 0 |
| 9137732 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.7501 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9137734 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.7501 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9137735 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.7501 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9158358 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.7501 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9137739 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.125 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9104638 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.625 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9104641 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.25 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9104751 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.375 | Unemployed | Unemployed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | 0 |
| 9137749 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 7715 | XXXXXX | 7.5113 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 11876.48 |
| 9137755 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.25 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9158377 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.6251 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9137789 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.8751 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9137796 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.25 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9137807 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.25 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9158404 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 13495 | XXXXXX | 8.451 | Employed | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 24101 |
| 9158405 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.875 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9158407 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.375 | Unemployed | Unemployed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | 0 |
| 9137829 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.7501 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9158409 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.625 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9158411 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9158412 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.25 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9158413 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.875 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9158414 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9158417 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.5 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9137839 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.625 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9158426 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.875 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9158429 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 7651.06 | XXXXXX | 7.3585 | Employed | Employed | Permanent Resident Alien | Non-Permanent Resident Alien | (No Data) | No | 0 |
| 9137850 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.5 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9158433 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.8751 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9158434 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9137865 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.8751 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9158437 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.7501 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9158439 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.25 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9158441 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9158445 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.625 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9137890 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.625 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9137892 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.625 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9137893 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.25 | Unemployed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 9158457 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.25 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9158458 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.7501 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9137898 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.25 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9158460 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.125 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9137900 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.8751 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9158473 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.7501 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9137910 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.7501 | Unemployed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 9137911 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 3286.51 | XXXXXX | 8.3579 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 4021.75 |
| 9137918 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.5 | Unemployed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 9158491 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.25 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9158496 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 8485 | XXXXXX | 7.6248 | Employed | Retired | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 2658.31 |
| 9158497 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.5 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9137923 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.25 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9137928 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.2499 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9158518 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.8751 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9158523 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.625 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9137941 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 14645 | XXXXXX | 7.8553 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 9285.95 |
| 9158532 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.625 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9158533 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 4608 | XXXXXX | 7.3813 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 3220.8 |
| 9158534 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.5001 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9158537 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 1180.3 | XXXXXX | 7.3298 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | No | 0 |
| 9137950 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.9901 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9137953 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.1251 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9137742 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 21115 | XXXXXX | 7.7631 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 9158567 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 18645 | XXXXXX | 7.4374 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 9158574 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.25 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9158578 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 2176.25 | XXXXXX | 6.7427 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 7316.9 |
| 9158582 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.5 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9158586 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.2499 | Unemployed | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9158587 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.25 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9158597 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.8751 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9042434 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.5 | Unemployed | Unemployed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | 0 |
| 7044041 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.5 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 7044068 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.875 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 8442352 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.5 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9067326 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.7501 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9101468 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.999 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9101379 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.999 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9101357 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.999 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9101470 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.625 | Unemployed | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9101362 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.25 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9101410 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.8751 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9101392 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.375 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9101457 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.625 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9101367 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.25 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9101419 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.375 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9101339 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 5731 | XXXXXX | 9.8009 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 9101422 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 9.375 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9101398 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 9.375 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9101439 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.75 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9101451 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.7501 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9101402 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 9.75 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9101342 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 5854 | XXXXXX | 9.934 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 67112.5 |
| 9101347 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 12019 | XXXXXX | 8.1766 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 17609.95 |
| 9101358 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.625 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9101376 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.8751 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9101390 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.5 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9133551 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.4464 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9137955 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.8751 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9158604 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.5 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9158606 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.7501 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 4998321 | QM: Safe Harbor | No | No | XXXXXX | XXXXXX | No | Yes | 939.5 | XXXXXX | 3.2953 | Employed | Unemployed | U.S. Citizen | Permanent Resident Alien | (No Data) | No | 0 |
| 9119045 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.3946 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |

---

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## Exhibit 99.4

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

**Exhibit 99.4 – Schedule 5**

---

| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | MSRM 2025-NQM6 |
| **Start - End Dates:** | 1/5/2016 - 6/19/2025 |
| **Deal Loan Count:** | 103 |
| **Valuations Summary** |  |
| *Loans in Report:* | *103* |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
|  |  |  |  |  | **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 (Mar 05)** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **Other** | **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** | **Report Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Other - Valuation Type** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **CU / LCA Score** |
| 9104544 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | 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% | 4.6 |
| 9042433 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.4 |
| 9137732 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.3 |
| 9137734 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.1 |
| 9137735 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 2.86% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 9158358 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 9137739 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.3 |
| 9104638 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | 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% | 2.7 |
| 9104641 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.5 |
| 9104751 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.8 |
| 9137749 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.2 |
| 9137755 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.3 |
| 9158377 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | 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) |
| 9137789 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2 |
| 9137796 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3 |
| 9137807 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 9158404 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  | Not Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 9158405 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -3.15% | XXXXXX | 7.000 | 93.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 9158407 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  | Not Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | 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) |
| 9137829 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | 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) |
| 9158409 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | 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% | 2.7 |
| 9158411 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2 |
| 9158412 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | 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) |
| 9158413 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.4 |
| 9158414 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 9158417 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.2 |
| 9137839 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | Not Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | 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) |
| 9158426 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | Not Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.4 |
| 9158429 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 5 |
| 9137850 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 9158433 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 2.30% | XXXXXX | 4.000 | 96.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 5 |
| 9158434 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.7 |
| 9137865 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  | Not Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | 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) |
| 9158437 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | 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) |
| 9158439 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 9158441 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 9158445 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 9137890 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.5 |
| 9137892 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | Not Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.7 |
| 9137893 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -6.30% | XXXXXX | 2.000 | 98.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.7 |
| 9158457 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.2 |
| 9158458 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 9137898 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 9158460 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -1.82% | XXXXXX | 3.000 | 97.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| 9137900 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -0.75% | XXXXXX | 4.000 | 96.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 9158473 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | 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) |
| 9137910 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 9137911 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -7.43% | XXXXXX | 3.000 | 97.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 9137918 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 9.03% | XXXXXX | 10.000 | 90.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 9158491 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  | Not Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | 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) |
| 9158496 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | 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) |
| 9158497 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | 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) |
| 9137923 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.1 |
| 9137928 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | Not Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 9158518 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | 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) |
| 9158523 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 4.35% | XXXXXX | 5.000 | 95.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 9137941 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -2.30% | XXXXXX | 5.000 | 95.00 | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.9 |
| 9158532 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | 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) |
| 9158533 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 9158534 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -8.87% | XXXXXX | 13.000 | 87.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 9158537 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.3 |
| 9137950 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -9.52% | XXXXXX | 12.000 | 88.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3 |
| 9137953 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | 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) |
| 9137742 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -6.14% | XXXXXX | 10.000 | 90.00 | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 |
| 9158567 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 9158574 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 9158578 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 9158582 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 9158586 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | 8.33% | Full Appraisal |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 9158587 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.5 |
| 9158597 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 9042434 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | 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% | 2.7 |
| 7044041 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.6 |
| 7044068 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.4 |
| 8442352 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 3.23% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.5 |
| 9067326 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 17.84% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.7 |
| 9101468 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.1 |
| 9101379 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | 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) |
| 9101357 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | 0.05% | Full Appraisal |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | 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) |
| 9101470 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.4 |
| 9101362 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 9101410 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | 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) |
| 9101392 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 9101457 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.3 |
| 9101367 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.4 |
| 9101419 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 |
| 9101339 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 9101422 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | 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 |
| 9101398 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.7 |
| 9101439 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.9 |
| 9101451 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | -3.36% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 9101402 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.3 |
| 9101342 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 9101347 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 9101358 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 9101376 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 9101390 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.9 |
| 9133551 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.7 |
| 9137955 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | Not Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.9 |
| 9158604 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.3 |
| 9158606 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.5 |
| 4998321 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | 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) |
| 9119045 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | 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) |

---

## Exhibit 99.4

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

**Exhibit 99.4 – Schedule 6**

---

| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | **MSRM 2025-NQM6** |
| **Start - End Dates:** | **1/5/2016 - 6/19/2025** |
| **Deal Loan Count:** | **103** |
| **Waived Conditions Summary** | **Waived Conditions Summary** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Review Scope** | **Category** | **Code** | **Description** | **Count** |
| Credit | Credit/Mtg History | CRDCRMH148 | Credit report stale dated at closing | 1 |
| **Total** |  |  |  | **1** |

---

©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 99.5

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

**Exhibit 99.5**

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

**Overview**

Consolidated Analytics, Inc ("Consolidated Analytics"), a third-party due diligence provider, performed the review described below on newly originated residential mortgage loans acquired by Morgan Stanley Mortgage Capital Holdings LLC and/or its affiliates through a bulk purchase. The review included a total of 278 newly originated residential mortgage loans, in connection with the securitization identified as MSRM 2025-NQM6 (the "Securitization"). The Review was conducted from January 2024 through July 2025 on mortgage loans originated between July 2023 and June 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
 the 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 cashout refinances of investment property loans, documentation provided in the loan file will be reviewed only to validate the use of cash out proceeds of business purposes at the origination/consummation of the loan. In the event use of proceeds cannot be validated, or are deemed to be utilized for consumer purposes, the loan would then be subject to a "Compliance Review" of applicable regulatory requirements as noted below, each as amended, restated and/or replaced from time to time. The Compliance Review included the following:

&nbsp;&nbsp;&nbsp;&nbsp;a. Test
 Loan Estimate(s) for accuracy and completeness as well as timing requirements as required
 by TRID Regulations

&nbsp;&nbsp;&nbsp;&nbsp;b. Test
 Closing Disclosure(s) for accuracy and completeness as well as timing requirements as
 required by TRID Regulations

&nbsp;&nbsp;&nbsp;&nbsp;c. Tolerance
 Testing

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Compare
 Loan Estimate and Closing Disclosures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Identify
 Tolerance Violations and applicable cost to cure

&nbsp;&nbsp;&nbsp;&nbsp;d. Comprehensive
 review of Closing Disclosure to determine transaction accuracy

&nbsp;&nbsp;&nbsp;&nbsp;e. Recalculation
 of APR and Finance Charge

&nbsp;&nbsp;&nbsp;&nbsp;f. Testing
 of:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Federal
 High Cost Mortgage provisions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Federal
 Higher Priced Mortgage Loans provisions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Local
 and/or State Anti-predatory and High Cost provisions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. HOEPA
 Points and Fees

&nbsp;&nbsp;&nbsp;&nbsp;g. Determine
 whether specified federal disclosures were provided timely based upon comparison of the
 application date to the dates on such disclosures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Service
 Provider List

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Home
 Ownership Counselling Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. ARM
 Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;h. Compliance
 with QM as it relates to:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. APR
 Test

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Points
 & Fees Test

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Prepayment
 Penalty Test

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Product
 Eligibility Testing

&nbsp;&nbsp;&nbsp;&nbsp;i. Notice
 of Right to Cancel (Rescission) Review

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Confirm
 transaction date, expiration date, and disbursement date

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Confirm
 document is properly executed by all required parties to the transaction

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

&nbsp;&nbsp;&nbsp;&nbsp;j. Confirm
 through NMLS the loan originator and originating firm's license status was active
 and properly disclosed on appropriate loan documents

&nbsp;&nbsp;&nbsp;&nbsp;k. Check
 the Loan participants against the exclusionary list provided by Client or by the purchaser
 of the Loan(s)

&nbsp;&nbsp;&nbsp;&nbsp;l. Review
 closing documents to ensure that the Mortgage Loan information is complete, accurate,
 and consistent with other documents; Confirm collateral documents have been recorded
 or sent for recording

The Compliance Review did not include any federal, state or local laws, constitutional provisions, regulations or ordinances that are not expressly enumerated above. Furthermore, the findings reached by Consolidated Analytics are dependent upon its receiving complete and accurate data regarding the loans from loan originators and other third parties upon which Consolidated Analytics is relying in reaching such findings.

**Valuation Review**

Consolidated Analytics performed a "Valuation Review," which included the following:

&nbsp;&nbsp;&nbsp;&nbsp;a. Review
 original appraisal, determination that property is in "average" condition
 or better, or property requires cosmetic improvements (as defined by the appraiser) that
 do not affect habitability. Should an area of concern be identified with the condition
 of the property, Consolidated Analytics will alert Client.

&nbsp;&nbsp;&nbsp;&nbsp;b. Review
 appraisal, determination that property is completely constructed and appraisal is on
 an "as is basis," or property is identified as not completely constructed
 by originating appraiser.

&nbsp;&nbsp;&nbsp;&nbsp;c. Review
 and determine if the appraisal report was performed on appropriate GSE forms and if the
 appraiser indicated in the body of the subject appraisal that the appraisal conforms
 to USPAP standards.

&nbsp;&nbsp;&nbsp;&nbsp;d. Review
 and determine the relevance of the comparable properties and ensure that a rational and
 reliable value was provided and supported as of the effective date of the Origination
 Appraisal.

&nbsp;&nbsp;&nbsp;&nbsp;e. Review
 adjustments (line item, net and gross adjustments) to ensure they are reasonable.

&nbsp;&nbsp;&nbsp;&nbsp;f. Ensure
 that the appraisal conforms to the guidelines provided from the Client.

&nbsp;&nbsp;&nbsp;&nbsp;g. Review
 appraisal to ensure all required documents were included.

&nbsp;&nbsp;&nbsp;&nbsp;h. Review
 location map provided within the appraisal for external obsolescence.

&nbsp;&nbsp;&nbsp;&nbsp;i. Ensure
 highest and best use and zoning complies with guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;j. Confirm
 there are no marketability issues that affect the subject property.

&nbsp;&nbsp;&nbsp;&nbsp;k. Ensure
 subject property does not suffer any functional obsolescence.

&nbsp;&nbsp;&nbsp;&nbsp;l. Where
 applicable, determine if the file did not contain the appraisal or other valuation method
 and a review could not be performed.

&nbsp;&nbsp;&nbsp;&nbsp;m. Additional
 valuation products were not required when the CU score provided was 2.5 or below or the
 appraisal LCA risk score was eligible for Collateral Rep and Warranty relief. In the
 event the CU score was greater than 2.5 or the LCA score was not eligible for R&W
 relief, an additional valuation product was obtained to confirm value was supported within
 10% tolerance. In some instances, based on guidance from the seller, CDA's were
 ordered on loans that had an acceptable CU score or R&W eligibility.

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

For loans reviewed in a post-close valuation review scenario (278 loans in total):

Eight (8) loans had a Secondary Appraisal, and one hundred ninety-eight (198) loans had Desktop Reviews. In four (4) instances, loans had both a Secondary Appraisal and Desk Review(s). Consolidated Analytics has independent access to the Desktop Reviews ordered by the Aggregator.

If a loan with an AVM or Desktop Review fell outside of a -10% tolerance, was inconclusive, or a PIW was present, then a Field Review, a Broker Price Opinion (BPO) along with a Reconciliation of the values or a 2nd Appraisal was completed. There were zero (0) occurrences of this.

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

**TAPE INTEGRITY REVIEW RESULTS SUMMARY** 

Of the two hundred seventy-eight (278) mortgage loans reviewed, seventy-six (76) unique mortgage loans (27.34% by loan count) had a total of one hundred seventy-six (166) discrepancies across nineteen (19) data fields. A blank or zero value on the data tape when an actual value was captured by Consolidated Analytics was not treated as a data variance.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fields Reviewed** | &nbsp;&nbsp;**Discrepancy**<br> **Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;Qualifying Total Reserves Number of Months | &nbsp;&nbsp;42 | &nbsp;&nbsp;25.30% |
| &nbsp;&nbsp;Qualifying All Borrower Residual Income | &nbsp;&nbsp;27 | &nbsp;&nbsp;16.27% |
| &nbsp;&nbsp;Total Qualified Assets Available | &nbsp;&nbsp;23 | &nbsp;&nbsp;13.86% |
| &nbsp;&nbsp;Application Date | &nbsp;&nbsp;19 | &nbsp;&nbsp;11.45% |
| &nbsp;&nbsp;Qualifying Total Monthly Liabilities | &nbsp;&nbsp;15 | &nbsp;&nbsp;9.04% |
| &nbsp;&nbsp;Total Liquid Assets Available For Close | &nbsp;&nbsp;9 | &nbsp;&nbsp;5.42% |
| &nbsp;&nbsp;Cash Disbursement Date | &nbsp;&nbsp;7 | &nbsp;&nbsp;4.22% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;4 | &nbsp;&nbsp;2.41% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;3 | &nbsp;&nbsp;1.81% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;3 | &nbsp;&nbsp;1.81% |
| &nbsp;&nbsp;Borrower 1 Citizen | &nbsp;&nbsp;2 | &nbsp;&nbsp;1.20% |
| &nbsp;&nbsp;Borrower 1 Qualifying Income | &nbsp;&nbsp;2 | &nbsp;&nbsp;1.20% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;2 | &nbsp;&nbsp;1.20% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;2 | &nbsp;&nbsp;1.20% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;2 | &nbsp;&nbsp;1.20% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.60% |
| &nbsp;&nbsp;Closing/Settlement Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.60% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.60% |
| &nbsp;&nbsp;Reviewed Appraised Property Value | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.60% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**166** | &nbsp;&nbsp;**100.00%** |

---

**Summary of Results**

**OVERALL RESULTS SUMMARY**

**Final Loan Grades**

---

| | | | |
|:---|:---|:---|:---|
| **Overall Loan Results:** | **Overall Loan Results:** | **Overall Loan Results:** | |
| Event Grade | Loan Count | Original Principal Balance | Percent of Sample |
| Event Grade A | 263 | $106624222.00 | 94.60% |
| Event Grade B | 15 | $8650563.00 | 5.40% |
| Event Grade C | 0 | $0.00 | 0% |
| Event Grade D | 0 | $0.00 | 0% |
| **Total Sample** | 278 | $115274785.00 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Credit Results:** | **Credit Results:** | **Credit Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 268 | 96.40% |
| Event Grade B | 10 | 3.60% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 278 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Compliance Results: (As applicable, 191 loans within the population did not receive a Compliance Review)** | **Compliance Results: (As applicable, 191 loans within the population did not receive a Compliance Review)** | **Compliance Results: (As applicable, 191 loans within the population did not receive a Compliance Review)** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 85 | 97.70% |
| Event Grade B | 2 | 2.30% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 87 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Valuation Results:** | **Valuation Results:** | **Valuation Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 275 | 98.92% |
| Event Grade B | 3 | 1.08% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 278 | 100.00% |

---

**Exception Category Summary**

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

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Exception<br> Type | &nbsp;&nbsp;Exception<br> Level<br> Grade | &nbsp;&nbsp;Exception Category | &nbsp;&nbsp;Total |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;No Credit Findings | &nbsp;&nbsp;179 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Appraisal Review - Missing | &nbsp;&nbsp;25 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Background Check Missing or Defective | &nbsp;&nbsp;16 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 1 Gap Credit Report is Missing | &nbsp;&nbsp;11 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Third Party Fraud Report not Provided | &nbsp;&nbsp;10 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Entity Documentation - Missing or Defective | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing verification of taxes, insurance, and/or HOA fees for non-subject property | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Closing Documentation Missing or Defective | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Insufficient Assets to Close | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Asset Documentation Missing or Defective | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Housing History Does Not Meet Guideline Requirements | &nbsp;&nbsp;4 |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;Borrower 2 Gap Credit Report is Missing | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Title Insurance Missing or Defective | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Borrower 1 3rd Party VOE Prior to Close Missing | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Market Rent - Missing or Defective | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Guideline Seasoning not Met | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Missing Cert of Good Standing | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;The Final 1003 is Incomplete | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Missing VOM or VOR | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Income and Employment Do Not Meet Guidelines | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Insufficient Assets for Reserves | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Audited DTI Exceeds Guideline DTI | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Purchase Contract is Incomplete | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Missing Letter of Explanation (Credit) | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Approval/Underwriting Summary Not Provided | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Deed Missing or Defective | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Note Missing or Defective | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Hazard Insurance | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Borrower 1 CPA Letter Missing | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Verification of Borrower Liabilities Missing or Incomplete | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Borrower 1 WVOE Missing | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Missing Asset Document | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Asset 1 Expired | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Borrower Non-US Citizen Identification Document Missing | &nbsp;&nbsp;1 |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;Property Listed for Sale on Refinance Transaction | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;HO6 Insurance Policy Effective Date is after the Note Date | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Collections, liens or judgments not paid at closing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;ATR: Current Employment Not Verified | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Flood Certificate Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Borrower 1 Paystubs Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Subordination Agreement is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Borrower 1 W2/1099 Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;All Interested Parties Not Checked with Exclusionary Lists | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit Documentation Missing or Defective | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Hazard Insurance Policy is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Borrower 1 IRS Transcripts Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Asset 2 Expired | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Missing Articles of Organization/Incorporation | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;OFAC Check Not Completed and/or Cleared | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Citizenship Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Flood Insurance Policy Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Assets do not meet guideline requirements | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;The Deed of Trust is Incomplete | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Missing Lease Agreement | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;The Total Hazard Coverage is LESS than the Required Coverage Amount | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;ATR Risk | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Title Insurance Coverage - Inadequate Coverage | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Missing rent comparable schedule form 1007 | &nbsp;&nbsp;1 |

---

---

| | | | |
|:---|:---|:---|:---|
|  |  | &nbsp;&nbsp;Hazard Insurance Missing or Defective | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;AUS Not Provided | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Asset Qualification Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Asset 1 Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;***Total Credit Grade (A) Exceptions:*** | &nbsp;&nbsp;**373** |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Housing History Does Not Meet Guideline Requirements | &nbsp;&nbsp;2 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Asset Documentation Missing or Defective | &nbsp;&nbsp;2 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Minimum Credit Trade Line Requirement Not Met | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Hazard Insurance | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Audited CLTV Exceeds Guideline CLTV | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Audited HCLTV Exceeds Guideline HCLTV | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Asset Qualification Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Audited LTV Exceeds Guideline LTV | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Minimum Loan Amount Not Met | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Payment History | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Excessive LTV Ratio | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Borrower does not meet residual income requirement | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;**14** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;No Compliance Findings | &nbsp;&nbsp;43 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Higher-Priced Mortgage Loan Test | &nbsp;&nbsp;28 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;eSigned Documents Consent is Missing | &nbsp;&nbsp;12 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Charges That Cannot Increase Test | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing Required Affiliated Business Disclosure | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | &nbsp;&nbsp;3 |

---

---

| | | | |
|:---|:---|:---|:---|
|  |  | &nbsp;&nbsp;CA AB 260 Higher-Priced Mortgage Loan Test | &nbsp;&nbsp;3 |
|  |  | &nbsp;&nbsp;Missing Credit Score Disclosure (FACTA) | &nbsp;&nbsp;2 |
|  |  | &nbsp;&nbsp;Initial Closing Disclosure Delivery Date Test | &nbsp;&nbsp;2 |
|  |  | &nbsp;&nbsp;TILA Right of Rescission Test | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Regulation § 1026.43(c)(2)(vi) failure - The consumer's current debt obligations, alimony, and child support or other debt obligations were not confirmed and included in the DTI or excluded per lender guidelines. | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Higher-Priced Mortgage Loan Evidence of Appraisal Delivery to the Borrower Not Provided (12 CFR 1026.35(c)(6)) | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Final CD: Calculating Cash to Close (page 3) is blank or incorrect form | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;NY Subprime Home Loan Test | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;MA 209 CMR 32.35 Higher-Priced Mortgage Loan Test | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Homeownership Counseling Disclosure Is Missing | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;MD COMAR Higher-Priced Mortgage Loan Test | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Incorrect rescission model used - RTC form model H-8 used for Same Lender or Lender Affiliate Refinance | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;***Total Compliance Grade (A) Exceptions:*** | &nbsp;&nbsp;**113** |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;TILA Finance Charge Test | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Charges That Cannot Increase Test | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;**2** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Appraisal Review - Missing | &nbsp;&nbsp;113 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;No Property Findings | &nbsp;&nbsp;77 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Hazard Insurance Missing or Defective | &nbsp;&nbsp;15 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Subject Property Lease - Missing or Defective | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Appraisal is Missing | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Third Party Valuation Product Not Provided within 10% Tolerance | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Subject property appraisal is not on an as-is basis (Primary Value) | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Flood Certification/Determination - Missing | &nbsp;&nbsp;2 |

---

---

| | | |
|:---|:---|:---|
|  | &nbsp;&nbsp;Hazard Insurance | &nbsp;&nbsp;2 |
|  | &nbsp;&nbsp;Desk Review Variance > 10% | &nbsp;&nbsp;2 |
|  | &nbsp;&nbsp;Flood Insurance Missing or Defective | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Property/Appraisal General | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;The appraiser was not licensed (Primary Value) | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Short Term Rental Income - Missing or Defective | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Appraisal Aged | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Pest Inspection Items Not Remedied | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;***Total Property Grade (A) Exceptions:*** | &nbsp;&nbsp;**230** |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Ineligble Tenant Occupancy | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Hazard Insurance Missing or Defective | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Appraisal Aged | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Property Grade (B) Exceptions:*** | &nbsp;&nbsp;**5** |

---

**Event Grade Definitions**

---

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

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Credit Event Grades** | &nbsp;&nbsp;**Credit Event Grades** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;The loan meets the published guidelines without any exceptions. The employment, income, assets and occupancy are supported and justifiable. The borrower's willingness and ability to repay the loan is documented and reasonable. |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Credit Event Grades** | &nbsp;&nbsp;**Credit Event Grades** |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The loan substantially meets the published guidelines but reasonable compensating factors were considered and documented for exceeding published guidelines. The employment, income, assets and occupancy are supported and justifiable. The borrower's willingness and ability to repay the loan is documented and reasonable. |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The loan does not substantially meet the published guidelines. There are not sufficient compensating factors that justify exceeding the published guidelines. The employment, income, assets or occupancy are not supported and justifiable. The borrower's willingness and ability to repay the loan were not documented or are unreasonable. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;There was not sufficient documentation to perform a review or the credit file was not furnished. |

---

---

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

---

---

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

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| | |
|:---|:---|
| &nbsp;&nbsp;**Valuation Event Grades** | &nbsp;&nbsp;**Valuation Event Grades** |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The value is not supported within 10% of the original appraisal. The valuation methodology did not meet the published guidelines and there were not sufficient compensating factors for exceeding published guidelines. The property is in below "average" condition or the property is not complete or requires significant repairs. The appraisal was not performed on an "as is" basis. The appraiser was not appropriately licensed or did not use GSE approved forms. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;The file was missing the appraisal or there was not sufficient valuation documentation to perform a review. |

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## Exhibit 99.5

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

**Exhibit 99.5 – Schedule 1**

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| **Loan Number** | **MSID** | **Originator** | **Last Name** | **Note Date** | **Original Balance** | **State** | **TPR QM ATR Status** | **Loan Status** | **Exception Date** | **Remediation Status** | **Exception ID** | **Exception Type** | **Exception Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception Rebuttal Response Date** | **Compensating Factors** | **Initial Compliance Grade** | **Final Compliance Grade** | **Initial Compliance Grade (DBRS/Morningstar)** | **Initial Compliance Grade (Fitch)** | **Initial Compliance Grade (Kroll)** | **Initial Compliance Grade (Moodys)** | **Initial Compliance Grade (S&P)** | **Final Compliance Grade (DBRS/Morningstar)** | **Final Compliance Grade (Fitch)** | **Final Compliance Grade (Kroll)** | **Final Compliance Grade (Moodys)** | **Final Compliance Grade (S&P)** |
| XXXXX | 9162889 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 03/27/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9162889 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 03/27/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9162889 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 03/27/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9162845 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/07/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9162845 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/07/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9162845 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/07/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9162787 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/02/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §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 compliant, downgraded to A |  |  | HPML compliant. Appraisal and escrow requirements met. | 05/05/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9162787 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/02/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9162787 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/02/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9162883 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/15/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9162883 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/15/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9162883 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/15/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9066904 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/10/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9066904 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/10/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9066904 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/10/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9127705 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/30/2025 | Resolved | FCRE4989 | Credit | Collections, liens or judgments not paid at closing | The Judgment #XXX-XXX-XXX XXX was not paid at closing. Provide evidence the debt is released. | Document Uploaded. please see final title policy attached with judgement removed. THANK YOU; We are waiting on the final title policy to show the judgement was removed. Will the final title policy suffice? Please advise; Document Uploaded. | 06/25/2025 | Final title policy received reflecting no outstanding judgments or liens. ; Final title policy received reflecting no outstanding judgments or liens. ; Reviewed lender's rebuttal. Unfortunately since this judgment was not paid on the CD at the time of closing it doesn't meet guidelines and can take priority over our first lien. The condition remains outstanding. The lender has provide a letter and a copy of the check for payoff of the judgment with XXX dated after closing. This was not paid prior to or at closing and we have not received proof it's been released. The Judgment #XXX-XXX-XXX XXX was not paid at closing. Provide evidence the debt is released.; The lender has provide a letter and a copy of the check for payoff of the judgment with XXX dated after closing. This was not paid prior to or at closing and we have not received proof it's been released. The Judgment #XXX-XXX-XXX XXX was not paid at closing. Provide evidence the debt is released.; Copy of check and letter to payoff judgment has been provided - dated after closing and missing evidence judgement was released. | 06/25/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| XXXXX | 9127705 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/30/2025 | Resolved | FCRE3978 | Credit | Missing Letter of Explanation (Credit) | Provide explanation regarding the late payments reported within the most recent XXX-months for XXX #XXX and XXX #XXX. | Document Uploaded. | 06/05/2025 | ; received the letter of explanation for the late payments with XXX mortgage and XXX. | 06/07/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| XXXXX | 9127705 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/30/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §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 Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant. Appraisal and escrow requirements met. | 06/01/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| XXXXX | 9127705 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/30/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| XXXXX | 9127737 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/06/2025 | Resolved | FCOM1233 | Credit | The Final 1003 is Incomplete | The Final 1003 is Incomplete The Borrower used assets from XXX #XXX for funds to close. The account is not listed on Final 1003. | Document Uploaded. | 05/16/2025 | The Final 1003 is Present; Updated Final 1003 received correcting the assets. | 06/20/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | C | B D A | C D A | C D A | C D A | C D A | C B A | B A | B A | B A | B A | B |
| XXXXX | 9127737 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/06/2025 | Cured | finding-651 | Compliance | TILA Finance Charge 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 and reopen rescission. The finance charge under disclosure was due to the lender excluding the Title - Document processing fee This loan failed the TILA finance charge test.(XXX CFR §XXX(o) (XXX)) The finance charge is $XXX. The disclosed finance charge of $XXX is not considered accurate because it is underStated by more than $XXX. | Document Uploaded. ; Document Uploaded. ; The Document Processing Fee is not an APR impacting fee since it was paid to escrow.; Document Uploaded. | 06/18/2025 | Cure package provided to the borrower; Exception downgraded to a 2/B; Cure package provided to the borrower; Exception downgraded to a 2/B; cure package did not contain a copy of the new rescission period, provide a copy of the documents providing new XXX day rescission period to downgade; Processing fees even when paid to a title provider are generally considered a finance charge. Provide clarification on the fee to determine if it can be excluded from finance charges; The PCCD provided did not resolve the exception. A cure is required when a finance charge is under disclosed at consummation. Cure package requires: PCCD, LOE, copy of check, reopen rescission and proof of delivery | 06/18/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | C | B D A | C D A | C D A | C D A | C D A | C B A | B A | B A | B A | B A | B |
| XXXXX | 9127737 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/06/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | C | B D A | C D A | C D A | C D A | C D A | C B A | B A | B A | B A | B A | B |
| XXXXX | 9127775 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/11/2025 | Resolved | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XXX CFR §XXX(e) (XXX) (i)) The loan contains charges that exceed the good faith determination according to §XXX(e) (XXX) (i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e) (XXX) (i). TILA 130b Cure Required Refund in the amount of $XXX Cure Package requires a PCCD, LOE, Copy of refund check and proof of delivery to the borrower OR Valid COC. The Zero tolerance violation is due to the added Discount Points initially on the LE dated XXX and increasing to $XXX on the Initial CD issued XX/XX/XXXX without a COC. Please provide a Valid COC or Cure Package | Document Uploaded. | 06/12/2025 | Valid COC provided; Exception resolved; Valid COC provided; Exception resolved | 06/12/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| XXXXX | 9127775 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/11/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| XXXXX | 9127775 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/11/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| XXXXX | 9127788 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/13/2025 | Resolved | FCRE1440 | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements | Document Uploaded. ; Document Uploaded. please see- XXX, thank you so much! | 06/03/2025 | Housing History Meets Guideline Requirements; Property profile report provided for XXX #XXX indicates borrower purchase property on XX/XX/XXXX, recorded on XX/XX/XXXX, evidence of XX/XX/XXXX and XX/XX/XXXX mortgage payments provided in file. ; Reviewed lender's rebuttal. We are still missing the complete XXX month payment history for the mortgage with XXX on the property located at XXX. We have proof of the XX/XX/XXXX payment on pg XXX and the XX/XX/XXXX payment on pg XXX. Please provide documentation on the remainder of the XXX month mortgage payment history. Documentation on XXX was in the original file. Primary residence located at XXX - XXX- mortgage payment history is reporting on credit pg XXX and Heloc Statement on pg XXX shows XX/XX/XXXX pmt made on time. Other REO located at XXX is with XXX. Mortgage Statement on pg XXX reflects the XX/XX/XXXX payment made and missing a VOM or mortgage payment history to confirm timely payments for the last XXX months. ; Reviewed lender's rebuttal. Documentation was in the original file. Primary residence located at XXX - XXX - mortgage payment history is reporting on credit pg XXX and Heloc Statement on pg XXX shows XXX/XXX pmt made on time. Other REO located at XXX is with XXX. Mortgage Statement on pg XXX reflects the XX/XX/XXXX payment made and VOM showing due for XX/XX/XXXX payment is on pg XXX. | 06/10/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| XXXXX | 9127788 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/13/2025 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing verification of hazard insurance and evidence properties are owned XXX for the following properties "XXX" and "XXX". Additional conditions may apply. | Document Uploaded. ; Document Uploaded. ; Document Uploaded. | 06/09/2025 | Property detail report received for XXX indicates property is free and clear. Property detail report for XXX indicates a mortgage (Seller take-back) , LOE from borrower indicates the borrower has no hazard insurance on both properties. ; Received property profile report for XXX #XXX. Missing evidence XXX and XXX are owned free and clear. Please provide documentation to confirm these two properties are free and clear (i.e. property profile, fraud report, etc.) ; Received evidence the borrower does not carry home owners insurance on the properties located at XXX and XXX. Please provide documentation to confirm these two properties are free and clear (i.e. property profile, fraud report, etc.) | 06/10/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| XXXXX | 9127788 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/13/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| XXXXX | 9127842 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/29/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §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 is compliant and allowed per lender's guidelines; therefore, downgraded to A. |  |  | HPML compliant. Appraisal and escrow requirements met. | 06/01/2025 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9127842 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/29/2025 | Resolved | finding-2623 | Compliance | XXX Higher-Priced Mortgage Loan Test | This loan failed the XXX higher-priced mortgage loan test. (XXX 09030602B(XXX) , XXX 09030902B(XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of XXX Regulations (XXX).While the XXX provisions specify that lenders can legally make this type of loan subject to certain disclosure requirements, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. |  |  | HPML compliant. Appraisal and escrow requirements met. | 06/01/2025 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9127842 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/29/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9127842 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/29/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9127879 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/20/2025 | Resolved | FCOM1221 | Credit | The Deed of Trust is Incomplete | The Deed of Trust is Incomplete Borrower is refinancing primary home in the State of XXX which is a spousal State and Final 1003 Marital status is marked "XXX". The non-borrowing spouse is required to sign the Deed of Trust and any applicable documents. | Document Uploaded. The non-borrowing is not on title and property is not a community property State, therefore they will not need to sign. Thank you | 05/21/2025 | The Deed of Trust is Present and Complete; Lender comments reviewed. According to comments as non-borrowing spouse is not on title, non-borrowing spouse is not required to sign the mortgage. | 07/02/2025 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| XXXXX | 9127879 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/20/2025 | Resolved | FCRE3843 | Credit | Guideline Seasoning not Met | The required number of months reserves are to be seasoned does not meet Guideline requirement. The guidelines require XXX months reserves for a total of $XXX, borrower is short $XXX. | Document Uploaded. | 07/01/2025 | Rescinded finding - Reviewed lender's rebuttal. Subject transaction is a rate term XXX and payment is being reduced by $XXX per month or XXX%. No late pmts on mortgage in the last XXX months and DTI is < XXX%. Per lender guidelines on pg XXX the reserve requirements can be waived.; The required number of months reserves are to be seasoned does meet Guideline requirement.; Reviewed lender's rebutttal. Subject transaction is a rate term XXX and payment is being reduced by $XXX per month or XXX%. No late pmts on mortgage in the last XXX months and DTI is < XXX%. Per lender guidelines on pg XXX the reserve requirements can be waived. | 07/02/2025 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| XXXXX | 9127879 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/19/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML with established escrows and met appraisal requirements, therefore, downgraded to grade A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §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 compliant. Appraisal and escrow requirements met. | 05/20/2025 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| XXXXX | 9127879 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/20/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| XXXXX | 9127894 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/15/2025 | Resolved | FCRE3843 | Credit | Guideline Seasoning not Met | The required number of months reserves are to be seasoned does not meet Guideline requirement. Guidelines require XXX months reserves for a total of $XXX borrower is short $XXX. | Document Uploaded. | 06/12/2025 | The required number of months reserves are to be seasoned does meet Guideline requirement.; Lender provided an updated loan approval showing XX/XX/XXXX matrix A+ which requires XXX months of reserves for < XXX% LTV for primary residence. | 06/12/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| XXXXX | 9127894 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/15/2025 | Resolved | FCRE9995 | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | XXX Reserves of $XXX are less than Guideline Required Reserves of $XXX. Guidelines require XXX months reserves for a total of $XXX borrower is short $XXX. Lender used 1st Bank Statement from XX/XX/XXXX showing a balance of $XXX to cover funds to close and reserves. However the most recent XX/XX/XXXX Statement reflects a balance of $XXX. | Document Uploaded. | 06/12/2025 | XXX Reserves of $XXX are equal to or greater than AUS Required Reserves of $XXX.; Lender provided an updated loan approval showing XX/XX/XXXX matrix A+ which requires XXX months of reserves for < XXX% LTV for primary residence. | 06/12/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| XXXXX | 9127894 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/15/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| XXXXX | 9127894 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/15/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| XXXXX | 9127919 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/02/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §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 Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant. Appraisal and escrow requirements met. | 06/03/2025 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9127919 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/03/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | No Credit Findings. The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9127919 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/03/2025 | Resolved | FPRO8998 | Property | No Property Findings | No Property Findings. Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9127926 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/16/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §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 with established escrows and appraisal requirements met. Exception downgraded. |  |  | HPML compliant. Appraisal and escrow requirements met. | 05/19/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9127926 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/19/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9127926 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/19/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9127931 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/16/2025 | Resolved | FCOM1851 | Compliance | Incorrect rescission model used - RTC form model H-8 used for Same Lender or Lender Affiliate Refinance | Incorrect rescission model used - RTC form model H8 (New Creditor) used for Same Lender or Lender Affiliate XXX Subject is same lender XXX with new money. An H8 Right to Cancel was inappropriately utilized. | Document Uploaded. | 06/02/2025 | Corrected executed RTC provided, exception resolved.; Correct RTC form has been provided | 06/03/2025 | Borrower has stable job time - Borrower has XXX years on job. D A | D | A D | D A | D A | D A | D A | D A | A | A | A | A | A |
| XXXXX | 9127931 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/15/2025 | Resolved | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XXX CFR §XXX(e) (XXX) (i)) The loan contains charges that exceed the good faith determination according to §XXX(e) (XXX) (i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e) (XXX) (i). TILA 130b Cure Required Refund in the amount of $XXX Cure Package requires a PCCD, LOE, Copy of refund check and proof of delivery to the borrower OR Valid COC. The Zero tolerance violation is due to the increase in Discount Points on the Final CD dated XXX and no COC was found in the file explaining the reason for the increase. Please provide a Valid COC or Cure Package | Document Uploaded. | 05/22/2025 | Valid COC provided; exception resolved; Valid COC provided; exception resolved | 05/23/2025 | Borrower has stable job time - Borrower has XXX years on job. D A C | D | A D | D A | D A | D A | D A | D A | A | A | A | A | A |
| XXXXX | 9127931 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/15/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. D A | D | A D | D A | D A | D A | D A | D A | A | A | A | A | A |
| XXXXX | 9127931 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/16/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. D A | D | A D | D A | D A | D A | D A | D A | A | A | A | A | A |
| XXXXX | 9127939 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/21/2025 | Resolved | finding-47 | Compliance | TILA Right of Rescission Test | This loan failed the TILA right of rescission test.Closed-end (XXX CFR §XXX(a) (XXX) , transferred from XXX CFR §XXX(a) (XXX)) , Open-end (XXX CFR §XXX(a) (XXX) , transferred from XXX CFR §XXX(a) (XXX)) The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by XXX CFR §1026.23 or §XXX, or delivery of all material disclosures, whichever occurs last. The disbursement date of XX/XX/XXXX is the same as the consummation date. The loan should not have disbursed prior to XX/XX/XXXX. Cure package required: PCCD with updated disbursement date along with LOE, copy of refund and proof of delivery. | Document Uploaded. | 06/24/2025 | PCCD provided; Exception resolved; PCCD provided; Exception resolved | 06/24/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| XXXXX | 9127939 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/21/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §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 is compliant and allowed per lender's guidelines; therefore, downgraded to A. |  |  | HPML compliant. Appraisal and escrow requirements met. | 06/24/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| XXXXX | 9127939 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/20/2025 | Resolved | FPRO8998 | Property | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  |  |  |  | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| XXXXX | 9127939 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/20/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | No credit findings. The loan meets all applicable credit guidelines. |  |  |  |  | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| XXXXX | 9162726 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/09/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9162726 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/09/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9162726 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/09/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9162692 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/13/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9162692 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/11/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9162692 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/12/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9162764 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/07/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9162764 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/07/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9162764 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/07/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9162882 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 04/15/2025 | Resolved | FCRE9785 | Credit | Purchase Contract is Incomplete | is Purchase but Purchase Contract Doc is Incomplete Sales contract Addendum correcting unit # to XX/XX/XXXX is not signed by the seller. Required per lender final approval. | Document Uploaded. Page XXX | 04/17/2025 | Documentation provided is sufficient. Exception resolved.; Purchase Contract Doc is complete. | 06/24/2025 | C A B | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| XXXXX | 9162882 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 04/15/2025 | Resolved | FCRE1176 | Credit | HO6 Insurance Policy Effective Date is after the Note Date | HO-XXX Insurance Policy Effective Date of XX/XX/XXXX is after the Note Date of XX/XX/XXXX Invalid. Funding date is XX/XX/XXXX. | Invalid. Funding date is XX/XX/XXXX. | 04/17/2025 | Explanation provided is sufficient. Disbursement date is after effective date of the policy. Exception resolved. | 04/18/2025 | C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| XXXXX | 9162882 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 04/15/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| XXXXX | 9162882 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 04/15/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| XXXXX | 9162835 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/05/2025 | Resolved | finding-3532 | Compliance | Initial Closing Disclosure Delivery Date Test | Documentation required to clear exception. Consummation date is XX/XX/XXXX, however the earliest CD found in the file is dated XX/XX/XXXX, which is less than XXX business days prior to consummation. Missing the initial CD dated XX/XX/XXXX, reflected in the Compliance Report (pg. XXX) that was provided XXX business days prior to consummation. Additional testing will be completed, once the initial CD is received, along with any corresponding Changed Circumstances forms. This loan failed the initial closing disclosure delivery date test due to one of the following findings:(XXX CFR §XXX(f) (XXX) (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 §XXX(f) (XXX) (i) no later than three business days before consummation. | Document Uploaded. | 05/07/2025 | Initial CD provided; Exception resolved; Initial CD provided; Exception resolved | 05/08/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| XXXXX | 9162835 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/05/2025 | Resolved | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XXX CFR §XXX(e) (XXX) (i)) The loan contains charges that exceed the good faith determination according to §XXX(e) (XXX) (i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e) (XXX) (i). TILA 130b Cure Required. Refund in the amount of $XXX: cure package requires a PCCD, LOE, Copy of Refund Check, and proof of delivery or a Valid COC. - The Discount Points increased from $XXX to $XXX on the CD, dated XX/XX/XXXX The loan file is missing the initial CD dated XX/XX/XXXX, reflected on the Compliance report (pg. XXX) that was provided XXX business days prior to consummation. Also, the file is missing the date of receipt of the CD dated XX/XX/XXXX. Once the initial CD dated XX/XX/XXXX is provided, additional testing will be completed. | Document Uploaded. | 05/07/2025 | Initial CD provided; Exception resolved; Initial CD provided; Exception resolved | 05/08/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| XXXXX | 9162835 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/05/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| XXXXX | 9162835 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/05/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| XXXXX | 9162703 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/14/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9162703 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/14/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9162703 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/14/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9162875 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 04/30/2025 | Resolved | FCRE1325 | Credit | Borrower 1 CPA Letter Missing | Borrower 1 CPA Letter Missing Provide missing CPA/Business Narrative for S/E showing percentage of ownership and XXX months of self-employment in same business which is required by guidelines and was a condition on the final loan approval. | Document Uploaded. Regulatory or licensing bureau was included in the loan file, filed in XXX. Shareholders' corporate resolution States all shares held by XXX. We do not need a CPA letter to verify - documentation already provided in the loan file is sufficient-uploaded. A Business Narrative is not required on bank Statement loans. | 05/02/2025 | Borrower 1 CPA Letter Provided; After review of the loan file lender is correct all required information is in the loan file, final approval required all but the Business Narrative, which is not required. Exception Resolved. | 07/14/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| XXXXX | 9162875 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 04/30/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| XXXXX | 9162875 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 04/30/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| XXXXX | 9162716 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/06/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9162716 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/06/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9162716 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/06/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9162680 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 04/28/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9162680 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 04/28/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9162680 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 04/28/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9162738 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/11/2025 | Resolved | FCRE1728 | Credit | Missing rent comparable schedule form 1007 | Missing required Rent comparable schedule form 1007 per loan approval. Received Short Term Rental Analysis. | Document Uploaded. | 05/15/2025 | Received Market Rent Rent Comparable Schedule form 1007. Exception Resolved. | 05/16/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| XXXXX | 9162738 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/13/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| XXXXX | 9162738 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/11/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| XXXXX | 9162785 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/07/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9162785 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/07/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9162785 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/07/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9162619 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/07/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9162619 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/07/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9162619 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/07/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9162617 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/08/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9162617 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/08/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9162617 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/07/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9162614 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/09/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9162614 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/08/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9162614 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/08/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9162734 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/15/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9162734 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/15/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9162734 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/15/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9162661 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/15/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9162661 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/15/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9162661 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/15/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9162660 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/15/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9162660 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/15/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9162660 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/15/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9162800 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/06/2025 | Resolved | FCOM1604 | Compliance | Regulation § 1026.43(c)(2)(vi) failure - The consumer's current debt obligations, alimony, and child support or other debt obligations were not confirmed and included in the DTI or excluded per lender guidelines. | Regulation § XXX(c) (XXX) (vi) failure - The consumer's current debt obligations, alimony, and child support or other debt obligations were not confirmed and included in the DTI or excluded per lender guidelines. Missing verification of the XXX business line listed on the XXX. Lender to provide verification of the liability XXX business line with a balance of $XXX and a monthly payment of $XXX. | Document Uploaded. in the file. | 05/08/2025 | Documentation provided is sufficient. Exception resolved.; The consumer's current debt obligations, alimony, and child support or other debt obligations were confirmed. | 07/14/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| XXXXX | 9162800 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/06/2025 | Resolved | FCRE7495 | Credit | Verification of Borrower Liabilities Missing or Incomplete | Missing verification of liability for the XXX business line on the XXX. Lender to provide a verification of the XXX business line with a balance of $XXX and a monthly payment of $XXX/m. | Duplicate condition, please retract. | 05/08/2025 | Documentation provided is sufficient. Exception resolved. | 05/09/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| XXXXX | 9162800 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/06/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §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 |  |  | HPML compliant. Appraisal and escrow requirements met. | 05/07/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| XXXXX | 9162800 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/06/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| XXXXX | 9162753 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/15/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9162753 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/15/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9162753 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/15/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9162840 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/05/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9162840 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/05/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9162840 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/05/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9162722 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/15/2025 | Resolved | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements The XXX account reflects a $XXX Wire deposit on XX/XX/XXXX. Missing explanation of this source. | Large deposits do not need to be sourced on Investor DSCR transactions. | 05/19/2025 | Asset Qualification Meets Guideline Requirements; Received lender rebuttal stating large deposits do not need to be sourced on Investor DSCR loans. After a re-review of guidelines lender is correct, page XXX of guidelines specifically States "large deposits do not need to be sourced on Investor DSCR transaction." Exception Resolved. | 07/14/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| XXXXX | 9162722 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/16/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| XXXXX | 9162722 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/15/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| XXXXX | 9162820 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/09/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §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 |  |  | HPML compliant. Appraisal and escrow requirements met. | 05/09/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9162820 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/08/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9162820 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/08/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9162754 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/09/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9162754 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/08/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9162754 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/08/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9162744 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/16/2025 | Acknowledged | FCRE1194 | Credit | Audited LTV Exceeds Guideline LTV | XXX LTV of XXX% exceeds Guideline LTV of XXX% The subject transaction is a XXX and per guidelines the LTV/CLTV/HCLTV ratios for the cash-out transaction based on the lower of the initial purchase price $XXX or current appraised value of $XXX. The lender utilized $XXX, but $XXX was the initial purchase price as of XX/XX/XXXX. | Document Uploaded. | 05/23/2025 | XXX LTV, CLTV and HCLTV of XXX% exceeds the guideline maximum of XXX%, as the transaction is a XXX. Per guidelines the purchase price should be used for the LTV calculations. However, the Lender granted an exception for the increased LTV, citing compensating factors of an XXX credit history and excessive reserves. Acknowledged and downgraded. | 05/27/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| XXXXX | 9162744 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/16/2025 | Acknowledged | FCRE1196 | Credit | Audited HCLTV Exceeds Guideline HCLTV | XXX HLTV of XXX% exceeds Guideline HCLTV of XXX% The subject transaction is a XXX and per guidelines the LTV/CLTV/HCLTV ratios for the cash-out transaction based on the lower of the initial purchase price $XXX or current appraised value of $XXX. The lender utilized $XXX, but $XXX was the initial purchase price as of XX/XX/XXXX. | Document Uploaded. | 05/23/2025 | XXX LTV, CLTV and HCLTV of XXX% exceeds the guideline maximum of XXX%, as the transaction is a XXX. Per guidelines the purchase price should be used for the LTV calculations. However, the Lender granted an exception for the increased LTV, citing compensating factors of an XXX credit history and excessive reserves. Acknowledged and downgraded. | 05/27/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| XXXXX | 9162744 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/16/2025 | Acknowledged | FCRE1195 | Credit | Audited CLTV Exceeds Guideline CLTV | XXX CLTV of XXX% exceeds Guideline CLTV of XXX% The subject transaction is a XXX and per guidelines the LTV/CLTV/HCLTV ratios for the cash-out transaction based on the lower of the initial purchase price $XXX or current appraised value of $XXX. The lender utilized $XXX, but $XXX was the initial purchase price as of XX/XX/XXXX. | Document Uploaded. | 05/23/2025 | XXX LTV, CLTV and HCLTV of XXX% exceeds the guideline maximum of XXX%, as the transaction is a XXX. Per guidelines the purchase price should be used for the LTV calculations. However, the Lender granted an exception for the increased LTV, citing compensating factors of an XXX credit history and excessive reserves. Acknowledged and downgraded. | 05/27/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| XXXXX | 9162744 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/15/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| XXXXX | 9162744 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/15/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| XXXXX | 9162745 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/16/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9162745 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/15/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9162745 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/15/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9162860 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/15/2025 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Documentation Required- The initial loan documents were esigned on XX/XX/XXXX, please provide an econsent form date on or prior to XX/XX/XXXX | Document Uploaded. | 05/19/2025 | Evidence of eConsent is provided. | 07/14/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| XXXXX | 9162860 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/15/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| XXXXX | 9162860 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/15/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| XXXXX | 9162843 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/01/2025 | Resolved | FCRE1325 | Credit | Borrower 1 CPA Letter Missing | Borrower 1 CPA Letter Missing The CPA letter in file is dated XX/XX/XXXX vs note date of XX/XX/XXXX. Required a more recent CPA letter within XXX days of Note date. | Document Uploaded. | 05/08/2025 | Documentation provided is sufficient. Exception resolved.; Borrower 1 CPA Letter Provided | 07/14/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| XXXXX | 9162843 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/01/2025 | Resolved | FCRE1193 | Credit | Audited DTI Exceeds Guideline DTI | XXX DTI of XXX% exceeds Guideline DTI of XXX% Audit did not use the funds transferred from borrower's other business account, XXX #XXX that the lender used. Per lender guidelines transferred funds are not allowed to be used to calculate income. | Document Uploaded. This condition is erroneous. State law supersedes guideline. ; Document Uploaded. ; Please clarify which month, and which bank account transfers you are referring to. Vetted accounts used from URLA - XXX and XXX and can see that the UW backed out several deposits on their income calculation. | 05/12/2025 | XXX DTI of XXX% is less than or equal to Guideline DTI of XXX%; Received lender rebuttal stating the IOTA (Interest on Trust Account) bank account on the Alt Doc bank Statement income program is allowed because it is required by State Law. State & Federal Laws supersede all program guidelines, including Non-QM As lawyers are required to participate in using these specific accounts to safeguard client funds and ensure their property handling while also supporting legal aid. ; Received UW rebuttal stating that the UW accepted the transfers from XXX Acct #XXX because it is an IOTA account. XXXs get paid from these account Stmts from #XXX were provided to show its IOTA account not another business account. Audit agrees that this is how XXX gets paid, however this is not Stated within the lender guidelines. As lender guidelines specifically State "transfers between accounts are not considered income." It does not State that transfers are not to be excepted or included in income "Except if transfers are from an IOTA account." Therefore, the income calculation does not meet lender guidelines, as transfers are not eligible to be considered and guidelines do not make an exception or provide information that IOTA accounts are an exception. Audit is not stating that if transfers are allowed that the income is calculated incorrectly. Audit is stating that lender guidelines do not specifically provide exceptions to transfers between accounts, and lender would need to make an exception to allow these transfers because of how the XXX's get paid. Exception Remains.; All funds that were online transfers from Chk XXX to Chk XXX were backed out for all months. As guidelines State transfers are not allowed to be utilized in calculation. If lender wants us to utilize transferred funds an exception might need to be made as guidelines are just being followed. The UW used account XXX to calculate income, but there are several transfers between both accounts. Only actual Deposits were utilized. The income amount utilized was $XXX per month. Exception Remains. | 07/14/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| XXXXX | 9162843 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/01/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| XXXXX | 9162843 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/01/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| XXXXX | 9162796 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/12/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML escrow established, appraisal requirement met This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §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 compliant. Appraisal and escrow requirements met. | 05/13/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9162796 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/12/2025 | Resolved | finding-2962 | Compliance | XXX 260 Higher-Priced Mortgage Loan Test | HPML escrow established, appraisal requirement met This loan failed the XXX 260 higher-priced mortgage loan test. (XXX 260, XXX Financial Code Division 1.9 4995(a)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code.While the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | HPML compliant. Appraisal and escrow requirements met. | 05/13/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9162796 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/12/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9162796 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/12/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9162887 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/08/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9162887 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/08/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9162887 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/08/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9162747 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/02/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9162747 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/02/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9162747 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/02/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9162766 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/12/2025 | Acknowledged | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements The borrower is a first time home buyer and was qualified with gift funds of $XXX. Per the guidelines, gift funds are not allowed for a first time home buyer. | Document Uploaded. | 05/14/2025 | Received a lender exception approval gift funds for a FTHB on an Alt-Doc Express loan as lender guidelines do not allow. The lender identified the following compensating factors to justify approval; XXX credit history, no discretionary debt/minimal use of consumer credit, low DTI and excessive reserves. Exception downgraded to a level 2/B. | 05/15/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| XXXXX | 9162766 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/12/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| XXXXX | 9162766 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/12/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| XXXXX | 9162804 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/15/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9162804 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/15/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9162804 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/15/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9162761 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/16/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9162761 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/16/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9162761 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/15/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9162859 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/08/2025 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines - CPA letter does not indicate number of years of business existence. The loan file does not contain license or VVOE verifying years of business existence either. | Document Uploaded. | 05/12/2025 | Documentation provided is sufficient. Exception resolved.; Income and Employment Meet Guidelines | 07/14/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| XXXXX | 9162859 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/08/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| XXXXX | 9162859 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/08/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| XXXXX | 9162853 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/06/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9162853 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/06/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9162853 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/06/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9162816 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/09/2025 | Resolved | FCRE9995 | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | XXX Reserves of $XXX are less than Guideline Required Reserves of $XXX. Missing sufficient post close reserves to meet XXX months reserve requirement. Required reserves are XXX months pitia or $XXX and XXX reserves are $XXX. Lender to document sufficient borrower reserves to meet required reserve amount. | Document Uploaded. ; Please provide your reserve calculations. | 05/14/2025 | XXX Reserves of $XXX are equal to or greater than AUS Required Reserves of $XXX. Received lender rebuttal, as the XXX account balance has a more recent balance without including the large depot of $XXX, not $XXX. The Statement was provided confirming balance as of XX/XX/XXXX, once added, borrower has sufficient post-close reserves. Exception Resolved.; XXX @XXX% of $XXX; XXX checking of $XXX; XXX savings of $XXX = $XXX - closing costs from Borrower of $XXX = $XXX. Exception remains. | 07/14/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| XXXXX | 9162816 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/09/2025 | Resolved | FCRE2900 | Credit | Borrower Non-US Citizen Identification Document Missing | Non XXX Borrower is missing Identification Document. Borrower indicated on the XXX that they are a XXX, but missing Permanent Resident card front and back of standard form lender executes. | Document Uploaded. | 05/15/2025 | Borrower Identification Document provided. Received Cert of Resident Alien Status with number, full name and expiration date. Exception Resolved. | 07/14/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| XXXXX | 9162816 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/09/2025 | Resolved | FCRE1479 | Credit | Asset 1 Does Not Meet Guideline Requirements | Asset Record XXX Does Not Meet G/L Requirements. Missing letter of explanation from the co-owner of XXX to verify that the borrower has access to the business funds to use in the transaction. Lender to provide an XXX LOE from the co-owner of XXX to verify that the borrower has access to the business funds to use in the transaction. | This is not in the GLs, borrower is XXX% owner, he is entitled XXX% of the funds, joint access letter stating he has XXX% is XXX, as he has XXX%. | 05/13/2025 | Explanation is sufficient. Account included. Exception resolved.; Asset Record XXX Meets G/L Requirements | 07/14/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| XXXXX | 9162816 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/12/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| XXXXX | 9162816 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/09/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| XXXXX | 9175150 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/02/2025 | Resolved | FPRO1136 | Property | Subject property appraisal is not on an as-is basis (Primary Value) | Primary Value Subject Property Appraisal is not on an As-Is Basis Subject to completion per plans and specs; 1004D is missing | Document Uploaded. | 06/05/2025 | Primary Value Subject Property Appraisal is completed on an As-Is Basis or XXX; 1004D Completion Report for the subject property indicating subject was completed per plans and specifications was provided. | 06/06/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| XXXXX | 9175150 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/02/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| XXXXX | 9175150 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/03/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| XXXXX | 9133653 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/05/2025 | Resolved | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XXX CFR §XXX(e) (XXX) (i)) The loan contains charges that exceed the good faith determination according to §XXX(e) (XXX) (i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e) (XXX) (i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of $XXX is due to increase of Transfer Taxes on the Revised LE dated XX/XX/XXXX without a valid COC in file. Please provide a valid COC or cure package. | Document Uploaded. | 05/08/2025 | Valid COC provided; Exception resolved; Valid COC provided; Exception resolved | 05/09/2025 | Borrower has stable job time - Borrower has XXX years on job. C A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| XXXXX | 9133653 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/05/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. C A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| XXXXX | 9133653 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/05/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. C A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| XXXXX | 9133564 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/05/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §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. The loan is an HPML and it meets the Escrow and Appraisal Requirements. |  |  | HPML compliant. Appraisal and escrow requirements met. | 05/08/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| XXXXX | 9133564 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/05/2025 | Resolved | finding-2962 | Compliance | XXX 260 Higher-Priced Mortgage Loan Test | This loan failed the XXX 260 higher-priced mortgage loan test. (XXX 260, XXX Financial Code Division 1.9 4995(a)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code.While the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an HPML and it meets the Escrow and Appraisal Requirements. |  |  | HPML compliant. Appraisal and escrow requirements met. | 05/08/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| XXXXX | 9133564 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/05/2025 | Resolved | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XXX CFR §XXX(e) (XXX) (i)) The loan contains charges that exceed the good faith determination according to §XXX(e) (XXX) (i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e) (XXX) (i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of $XXX is due to the increase in the Breoker Fee on the Revised LE dated XX/XX/XXXX without a valid COC in file. Please provide a valid COC or cure package. | Document Uploaded. | 05/08/2025 | Valid COC provided; exception resolved; Valid COC provided; exception resolved | 05/08/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| XXXXX | 9133564 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/05/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| XXXXX | 9133564 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/05/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| XXXXX | 9175159 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/02/2025 | Resolved | FPRO1242 | Property | Appraisal is Missing | Appraisal is Missing. Appraisal report is missing | Document Uploaded. | 06/05/2025 | Appraisal is Present or is Waived; An Appraisal for the subject property was received. | 06/18/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A | C | A D | C D | C D | C D | C D | C B A | A B | A B | A B | A B | A |
| XXXXX | 9175159 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/02/2025 | Resolved | FCRE1330 | Credit | Borrower 1 Paystubs Missing | Borrower 1 Paystubs Missing XXX yr Full Doc program - paystubs missing (if applicable) | Document Uploaded. | 06/05/2025 | Borrower 1 Paystubs Provided; WVOE validating income utilized was received. | 06/12/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A | C | A D | C D | C D | C D | C D | C B A | A B | A B | A B | A B | A |
| XXXXX | 9175159 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/02/2025 | Resolved | FCRE1328 | Credit | Borrower 1 W2/1099 Missing | Borrower 1 W2/XXX Missing. XXX yr Full Doc program - W2's prior XXX years missing (if applicable) | Document Uploaded. | 06/05/2025 | Borrower 1 W2/XXX Provided; WVOE with XXX and XXX income was received. | 06/12/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A | C | A D | C D | C D | C D | C D | C B A | A B | A B | A B | A B | A |
| XXXXX | 9175159 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/02/2025 | Resolved | FCRE1333 | Credit | Borrower 1 WVOE Missing | Borrower 1 WVOE Missing XXX yr Full Doc program - WVOE missing | Document Uploaded. | 06/05/2025 | Borrower 1 WVOE Provided; WVOE validating income utilized was received. | 06/12/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A | C | A D | C D | C D | C D | C D | C B A | A B | A B | A B | A B | A |
| XXXXX | 9175159 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/02/2025 | Resolved | FCRE1442 | Credit | Asset 1 Expired | Borrower 1 WVOE Missing XXX yr Full Doc program - WVOE missing | Document Uploaded. ; Document Uploaded. | 06/09/2025 | Asset XXX Not Expired; Updated XXX Statements # XXX and #XXX was provided. ; Received access letter. According to the lender guidelines, assets must be dated within XXX days of closing. XXX Statements #XXX and #XXX are greater than XXX days of the closing date of XX/XX/XXXX. | 06/12/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A | C | A D | C D | C D | C D | C D | C B A | A B | A B | A B | A B | A |
| XXXXX | 9175159 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/02/2025 | Resolved | FCRE1443 | Credit | Asset 2 Expired | Asset XXX Expired XXX Statement dated through XX/XX/XXXX, not within XXX days of closing per GL's and access letter missing | Document Uploaded. ; Document Uploaded. | 06/09/2025 | Asset XXX Not Expired Or XXX; Updated XXX Statements # XXX and #XXX was provided. ; Received access letter. According to the lender guidelines assets must be dated within XXX days of closing. XXX Statements #XXX and #XXX are greater than XXX days of the closing date of XX/XX/XXXX. | 06/12/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A | C | A D | C D | C D | C D | C D | C B A | A B | A B | A B | A B | A |
| XXXXX | 9175159 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/02/2025 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Third Party Fraud Report is missing | Document Uploaded. | 06/05/2025 | Third Party Fraud Report is provided; Fraud report received. | 06/12/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A | C | A D | C D | C D | C D | C D | C B A | A B | A B | A B | A B | A |
| XXXXX | 9175159 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/02/2025 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (XX/XX/XXXX.XXX(a) (XXX)). Documentation required: Provide a copy of the appraisal that was provided to the consumer at least XXX-business days prior to the consummation date. | Document Uploaded. | 06/05/2025 | Appraisal delivery provided, exception resolved; Evidence of appraisal delivery provided. | 06/12/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A | C | A D | C D | C D | C D | C D | C B A | A B | A B | A B | A B | A |
| XXXXX | 9175159 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/02/2025 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The eSigned documents consent is missing. Provide e-signature dated on or before XX/XX/XXXX. | Document Uploaded. | 06/05/2025 | E consent provided, exception resolved; Evidence of eConsent is provided. | 06/12/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A | C | A D | C D | C D | C D | C D | C B A | A B | A B | A B | A B | A |
| XXXXX | 9175159 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/02/2025 | Resolved | FCRE1335 | Credit | Borrower 1 IRS Transcripts Missing | Borrower 1 IRS Transcripts Missing | Document Uploaded. | 06/05/2025 | Borrower 1 IRS Transcripts Provided; XXX years tax transcripts was received. | 06/12/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A | C | A D | C D | C D | C D | C D | C B A | A B | A B | A B | A B | A |
| XXXXX | 9175159 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/05/2025 | Resolved | FPRO1137 | Property | The appraiser was not licensed (Primary Value) | Primary Value appraiser's license was not effective prior to the Valuation Date or expired prior to the Valuation Date |  |  | Primary Value appraiser's license was effective prior to the Valuation Date and expired after the Valuation Date Or Primary Valuation Is Not Selected Or Appraiser License Dates Are Not Provided | 06/12/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A | C | A D | C D | C D | C D | C D | C B A | A B | A B | A B | A B | A |
| XXXXX | 9175159 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/02/2025 | Acknowledged | FCRE9068 | Credit | Borrower does not meet residual income requirement | Residual income of $XXX does not meet guideline minimum of $XXX. Residual income for XXX persons of $XXX not met (short XXX) | Document Uploaded. ; This is the 2nd time this loan has been sent back in XXX days. This is not a valid finding as the borrower is not included in the head count of for residual. The app shows the borrower has XXX dependent. The $XXX is accounted for.; Document Uploaded. ; Document Uploaded. ; Document Uploaded. | 06/11/2025 | Exception provided for residual income income of $XXX vs required $XXX. Compensating factors Fico XXX+ points greater than FICO and VOM XXX. Exception approved. ; The Exception is not for insufficient residual income. ; Updated asset Statements received. Residual income of $XXX does not meet guideline minimum of $XXX. According to the Final 1003 there are XXX members in the household therefore minimum residual income is $XXX. Income of $XXX - $XXX (total liabilities) = $XXX which does not meet the minimum residual of $XXX. Condition remains.; According to the Final 1003 there are XXX members in the household therefore minimum residual income is $XXX. Income of $XXX - $XXX (total liabilities) = $XXX which does not meet the minimum residual of $XXX. | 06/12/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A | C | A D | C D | C D | C D | C D | C B A | A B | A B | A B | A B | A |
| XXXXX | 9175159 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/02/2025 | Resolved | FCRE7375 | Credit | Citizenship Does Not Meet Guideline Requirements | Borrower approved XXX ITIN but Loan Approval reflects XXX which ITIN is ineligible | Document Uploaded. ; Document Uploaded. ; Document Uploaded. | 06/09/2025 | ; According to page XXX guidelines dated XXX, For ITIN borrowers we have extracted the ITIN requirements from XXX and created an individual XXX ITIN Program Matrix. An updated lock confirmation indicating a program of XXX ITIN is missing. ; Lock confirmation indicates program as XXX, ITIN is not allowed on XXX program. | 06/09/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A | C | A D | C D | C D | C D | C D | C B A | A B | A B | A B | A B | A |
| XXXXX | 9175159 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/02/2025 | Resolved | finding-3634 | Compliance | Charges That Cannot Increase Test | TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of $XXX is due to increase from $XXX on the initial LE dated XX/XX/XXXX to $XXX on the final CD dated XX/XX/XXXX for the loan discount points. This loan failed the charges that cannot increase test. (XXX CFR §XXX(e) (XXX) (i)) The loan contains charges that exceed the good faith determination according to §XXX(e) (XXX) (i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e) (XXX) (i). | Document Uploaded. | 06/05/2025 | Valid COC provided; exception resolved; Valid COC provided; exception resolved | 06/06/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A | C | A D | C D | C D | C D | C D | C B A | A B | A B | A B | A B | A |
| XXXXX | 9175159 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/02/2025 | Acknowledged | FCRE1440 | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements Lender Exception: For cancelled checks from borrower for rent payments, Borrower pays rent in cash. VOR confirms no lates in last XXX months and has been renting from landlord since XXX. Comp Factors include: FICO above the minimum by XXX points or higher; Borrowers contribution exceeds requirements by =>XXX%; DTI > XXX% below program requirement. |  |  |  |  | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A | C | A D | C D | C D | C D | C D | C B A | A B | A B | A B | A B | A |
| XXXXX | 9133669 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/05/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. XXX Full Appraisals provided for Valuation. | Document Uploaded. | 05/08/2025 | Third party valuation product provided within tolerance.; Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | 05/09/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| XXXXX | 9133669 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/06/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| XXXXX | 9133669 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/05/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| XXXXX | 9162854 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/02/2025 | Resolved | FCRE1440 | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements | Document Uploaded. | 06/04/2025 | Housing History Meets Guideline Requirements | 06/18/2025 | Borrower has stable job time - Borrower has XXX years on job. D A C | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| XXXXX | 9162854 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/02/2025 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The eSigned documents consent is missing. | Document Uploaded. | 06/04/2025 | Evidence of eConsent is provided. | 06/04/2025 | Borrower has stable job time - Borrower has XXX years on job. D A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| XXXXX | 9162854 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/02/2025 | Resolved | FCOM5556 | Compliance | Missing Credit Score Disclosure (FACTA) | Missing Credit Score Disclosure (FACTA). | Document Uploaded. | 06/04/2025 | FACTA Credit Score Disclosure is provided. | 06/04/2025 | Borrower has stable job time - Borrower has XXX years on job. D A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| XXXXX | 9162854 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/02/2025 | Resolved | FCRE1164 | Credit | Flood Insurance Policy Missing | Missing Flood Insurance Policy The Flood Insurance Policy was not provided. Unable to review. Flood insurance payment information was taken from the final CD. | Document Uploaded. | 06/04/2025 | Flood Insurance Policy is fully present | 06/04/2025 | Borrower has stable job time - Borrower has XXX years on job. D A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| XXXXX | 9162854 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/02/2025 | Resolved | FCRE1161 | Credit | Flood Certificate Missing | Missing Flood Certificate The Flood Cert. was not provided. Unable to review. | Document Uploaded. | 06/04/2025 | Flood Certificate is fully present | 06/04/2025 | Borrower has stable job time - Borrower has XXX years on job. D A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| XXXXX | 9162854 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/02/2025 | Resolved | FCRE5116 | Credit | Missing VOM or VOR | Verification of Rent (VOR) /Verification of Mortgage (VOM) Document is Missing. | Document Uploaded. | 06/04/2025 | Verification of Rent (VOR) /Verification of Mortgage (VOM) Document is not Missing | 06/04/2025 | Borrower has stable job time - Borrower has XXX years on job. D A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| XXXXX | 9162854 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/02/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. | Document Uploaded. | 06/04/2025 | All Interested Parties Checked against Exclusionary Lists | 06/04/2025 | Borrower has stable job time - Borrower has XXX years on job. D A C | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| XXXXX | 9162854 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/02/2025 | Resolved | FCRE1205 | Credit | OFAC Check Not Completed and/or Cleared | OFAC Check Not Completed and/or Cleared | Document Uploaded. | 06/04/2025 | OFAC Check Completed and Cleared | 06/04/2025 | Borrower has stable job time - Borrower has XXX years on job. D A C | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| XXXXX | 9162854 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/02/2025 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report | Document Uploaded. | 06/04/2025 | Third Party Fraud Report is provided | 06/04/2025 | Borrower has stable job time - Borrower has XXX years on job. D A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| XXXXX | 9162854 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/02/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §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 Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant. Appraisal and escrow requirements met. | 06/03/2025 | Borrower has stable job time - Borrower has XXX years on job. D A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| XXXXX | 9162854 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/02/2025 | Resolved | FPRO8998 | Property | No Property Findings | No Property Findings. Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. D A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| XXXXX | 9162760 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/02/2025 | Resolved | FCRE1316 | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing Missing verification of self-employment within XXX days of close, per guidelines dated XX/XX/XXXX. | Document Uploaded. ; Document Uploaded. | 06/09/2025 | Borrower 1 3rd Party VOE Prior to Close Was Provided; Third party verification from closing XXX dated within XXX days verifies business XXX is currently active. ; Documents provided are present in file. Missing third party verification self-employment within XXX days of closing as required per guidelines. | 06/09/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| XXXXX | 9162760 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/02/2025 | Resolved | FCRE1440 | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements Missing VOM for February, March and April for property on XXX, per guidelines dated XX/XX/XXXX. | Document Uploaded. | 06/05/2025 | Housing History Meets Guideline Requirements; Mortgage Statements provided validate February, March and April payments were applied. | 06/09/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| XXXXX | 9162760 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/02/2025 | 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. Missing VOM for February, March and April for property on XXX, per guidelines dated XX/XX/XXXX. | Document Uploaded. | 06/05/2025 | Verification of Rent (VOR) /Verification of Mortgage (VOM) Document is not partially present.; Mortgage Statements provided validate February, March and April payments were applied. | 06/09/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| XXXXX | 9162760 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/02/2025 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing evidence that there are no HOA dues on Borrower's primary residence, and that property on XXX is escrowed for taxes and insurance and that there are no HOA dues. | Document Uploaded. ; Document Uploaded. | 06/09/2025 | ; Mortgage Statement for XXX verifies taxes and insurance are escrowed, missing verification of HOA if any, for XXX and XXX. | 06/09/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| XXXXX | 9162760 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/02/2025 | Resolved | FCRE7495 | Credit | Verification of Borrower Liabilities Missing or Incomplete | Missing evidence of balance and payments for XXX and XXX (XXX) installment accounts that appear on the Final 1003 and not on credit report. | Document Uploaded. | 06/05/2025 | Updated credit report provided validates XXX and XXX (XXX) installment accounts that appear on the Final 1003. | 06/06/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| XXXXX | 9162760 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/02/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| XXXXX | 9162806 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/30/2025 | Resolved | FCOM5556 | Compliance | Missing Credit Score Disclosure (FACTA) | Missing Credit Score Disclosure (FACTA). Documentation required to confirm the Credit Score/FACTA disclosure was sent within the XXX days of application XX/XX/XXXX. | Document Uploaded. | 06/04/2025 | FACTA Credit Score Disclosure is provided. | 06/04/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A B | B | A D | B D | B D | B D | B D | B A | A | A | A | A | A |
| XXXXX | 9162806 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/30/2025 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Documentation required to confirm the e-Consent disclosure was received on or prior to XX/XX/XXXX. | Document Uploaded. | 06/04/2025 | Evidence of eConsent is provided. | 06/04/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A B | B | A D | B D | B D | B D | B D | B A | A | A | A | A | A |
| XXXXX | 9162806 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/30/2025 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report | Document Uploaded. | 06/04/2025 | Third Party Fraud Report is provided | 06/04/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | B | A D | B D | B D | B D | B D | B A | A | A | A | A | A |
| XXXXX | 9162806 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/30/2025 | Resolved | FPRO1242 | Property | Appraisal is Missing |  | Document Uploaded. | 06/04/2025 | Appraisal is Present or is Waived; Appraisal is Missing.; Appraisal is Missing. | 06/04/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | B | A D | B D | B D | B D | B D | B A | A | A | A | A | A |
| XXXXX | 9162806 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/30/2025 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | missing verification of insurance on the property XXX, or confirmation from the borrowers that they don't have the insurance on the property | Document Uploaded. | 06/04/2025 | Verification received | 06/04/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | B | A D | B D | B D | B D | B D | B A | A | A | A | A | A |
| XXXXX | 9162806 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/30/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §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 compliant. Appraisal and escrow requirements met. | 06/03/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | B | A D | B D | B D | B D | B D | B A | A | A | A | A | A |
| XXXXX | 9162755 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/30/2025 | Resolved | FCRE1316 | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing Verification of employment was not found in the loan file. The Lender Guideline States: Verbal VOE requires within XXX days of the Note Date for XXX borrowers. | Document Uploaded. | 06/04/2025 | Borrower 1 3rd Party VOE Prior to Close Was Provided | 06/04/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| XXXXX | 9162755 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/30/2025 | 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. The Final 1003 list assets for $XXX with an account ending in XXX which was not found in the loan file. Therefore, the required assets did not meet guidelines. | Document Uploaded. | 06/04/2025 | Funds are found to meet guidelines. | 06/04/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| XXXXX | 9162755 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/30/2025 | Resolved | FCRE9995 | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | XXX Reserves of $ are less than Guideline Required Reserves of $XXX. The Final 1003 list assets for $XXX with an account ending in XXX which was not found in the loan file. Therefore, the required assets did not meet reserves guidelines. | Document Uploaded. | 06/04/2025 | XXX Reserves of $XXX are equal to or greater than AUS Required Reserves of $XXX. | 06/04/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| XXXXX | 9162755 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/30/2025 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report The required Fraud Report was not found in the loan file. | Document Uploaded. | 06/04/2025 | Third Party Fraud Report is provided | 06/04/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| XXXXX | 9162755 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/30/2025 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | The Final 1003 reflects a 2nd mortgage on the Borrowers Primary Residence. The mortgage Statement for the 2nd lien was not found in the loan file. | Document Uploaded. | 06/04/2025 | Statement received, condition cleared | 06/04/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| XXXXX | 9162755 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/30/2025 | Resolved | FPRO8998 | Property | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| XXXXX | 9162812 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/30/2025 | Resolved | FCRE9995 | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | XXX Reserves of $XXX are less than Guideline Required Reserves of $XXX. | Document Uploaded. | 06/04/2025 | XXX Reserves of $XXX are equal to or greater than AUS Required Reserves of $XXX. | 06/18/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| XXXXX | 9162812 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/30/2025 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The eSigned documents consent is missing. | Document Uploaded. | 06/04/2025 | Evidence of eConsent is provided. | 06/04/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| XXXXX | 9162812 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/30/2025 | Resolved | FCRE5782 | Credit | Borrower 1 Gap Credit Report is Missing | Borrower 1 Gap Credit Report is Missing Loan file is missing required Gap Report. | Document Uploaded. | 06/04/2025 | Borrower 1 Gap Credit Report is not missing. | 06/04/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| XXXXX | 9162812 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/30/2025 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Required Fraud Report missing from loan file. | Document Uploaded. | 06/04/2025 | Third Party Fraud Report is provided | 06/04/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| XXXXX | 9162812 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/30/2025 | Resolved | FCRE3843 | Credit | Guideline Seasoning not Met | The required number of months reserves are to be seasoned does not meet Guideline requirement. Assets are short $XXX to close. XXX guides require XXX months PITIA for Loan amount <= $XXX with LTV > XXX%. | Document Uploaded. | 06/04/2025 | The required number of months reserves are to be seasoned does meet Guideline requirement. | 06/04/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| XXXXX | 9162812 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/30/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML is compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §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 compliant. Appraisal and escrow requirements met. | 06/03/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| XXXXX | 9162812 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/30/2025 | Resolved | finding-2962 | Compliance | XXX 260 Higher-Priced Mortgage Loan Test | HPML is compliant This loan failed the XXX 260 higher-priced mortgage loan test. (XXX 260, XXX Financial Code Division 1.9 4995(a)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code.While the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | HPML compliant. Appraisal and escrow requirements met. | 06/03/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| XXXXX | 9162850 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/02/2025 | Resolved | FCRE1316 | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing. | Document Uploaded. | 06/05/2025 | Borrower 1 3rd Party VOE Prior to Close Was Provided; Verification borrower's self employment is active per CPA was provided. | 06/09/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| XXXXX | 9162850 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/02/2025 | 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. | 06/06/2025 | E consent provided, exception resolved; Evidence of eConsent is provided. | 06/09/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| XXXXX | 9162850 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/02/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| XXXXX | 9162831 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/30/2025 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report, as required by guidelines dated XX/XX/XXXX. | Document Uploaded. | 06/04/2025 | Third Party Fraud Report is provided | 06/04/2025 | Borrower has stable job time - Borrower has XXX years on job. D A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| XXXXX | 9162831 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/30/2025 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The eSigned documents consent is missing. | Document Uploaded. | 06/04/2025 | Evidence of eConsent is provided. | 06/04/2025 | Borrower has stable job time - Borrower has XXX years on job. D A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| XXXXX | 9162831 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/30/2025 | Resolved | FCRE3978 | Credit | Missing Letter of Explanation (Credit) | Missing letter of explanation for credit inquiry within XXX days of Note date, per guidelines dated XX/XX/XXXX. | Document Uploaded. | 06/04/2025 | LOE received, condiiton resolved | 06/04/2025 | Borrower has stable job time - Borrower has XXX years on job. D A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| XXXXX | 9162831 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/30/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §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. The loan is an HPML and it meets the Escrow and Appraisal Requirements. |  |  | HPML compliant. Appraisal and escrow requirements met. | 06/03/2025 | Borrower has stable job time - Borrower has XXX years on job. D A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| XXXXX | 9162831 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/30/2025 | Resolved | finding-2978 | Compliance | XXX Higher-Priced Mortgage Loan Test | This loan failed the XXX CMR 32.35 higher-priced mortgage loan test. (XXX CMR 32.35) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of XXX Regulations.While the Code of XXX Regulations provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an HPML and it meets the Escrow and Appraisal Requirements. |  |  | HPML compliant. Appraisal and escrow requirements met. | 06/03/2025 | Borrower has stable job time - Borrower has XXX years on job. D A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| XXXXX | 9162831 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/30/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. D A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| XXXXX | 9133546 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/05/2025 | Resolved | FCRE5782 | Credit | Borrower 1 Gap Credit Report is Missing | Borrower 1 Gap Credit Report is Missing Missing gap credit report dated within XXX days of the note date required by guidelines. | Document Uploaded. | 05/07/2025 | Borrower 1 Gap Credit Report is not missing. | 05/21/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | C | B D A | C D A | C D A | C D A | C D A | C B A | B A | B A | B A | B A | B |
| XXXXX | 9133546 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/05/2025 | Resolved | FCRE1150 | Credit | Subordination Agreement is Missing | Missing Subordination Agreement Lender provided copy of the executed subordination agreement, however guidelines also require unsigned copy of the subordination agreement prior to closing. | Document Uploaded. | 05/08/2025 | Subordination Agreement is Present; An unsigned copy of the subordination agreement was received. | 05/21/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | C | B D A | C D A | C D A | C D A | C D A | C B A | B A | B A | B A | B A | B |
| XXXXX | 9133546 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/05/2025 | Cured | finding-3634 | Compliance | Charges That Cannot Increase Test | TILA 130b Cure required: Cure of $XXX required for increase in XXX Fee. COC provided does not give sufficient explanation for fee increase. Please provide detailed explanation what XXX Fee is based on or cure. Cure requires PCCD, LOE, copy of refund check, and proof of mailing. This loan failed the charges that cannot increase test. (XXX CFR §XXX(e) (XXX) (i)) The loan contains charges that exceed the good faith determination according to §XXX(e) (XXX) (i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e) (XXX) (i). | Document Uploaded. ; Document Uploaded. | 05/18/2025 | Cure package provided to the borrower; exception downgraded to a 2/B; receipt of an estimate or invoice is not a valid reason for the fee to increase, please provide clarification why the fee increased from the initial LE since the fee was not shoppable | 05/19/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | C | B D A | C D A | C D A | C D A | C D A | C B A | B A | B A | B A | B A | B |
| XXXXX | 9133546 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/05/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | C | B D A | C D A | C D A | C D A | C D A | C B A | B A | B A | B A | B A | B |
| XXXXX | 9133573 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/26/2025 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The eSigned documents consent is missing. | Document Uploaded. | 05/01/2025 | Evidence of eConsent is provided. | 05/01/2025 | Borrower has stable job time - Borrower has XXX years on job. D A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| XXXXX | 9133573 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/28/2025 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Lender submitted the file as Verified Doc Typ XXX Mo Bank Statement, however the file was verified as XXX Mo XXX. Missing AUS/DU/LP. | Document Uploaded. | 04/30/2025 | Income and Employment Meet Guidelines; AUS /DU findings was received. | 05/01/2025 | Borrower has stable job time - Borrower has XXX years on job. D A C | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| XXXXX | 9133573 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/28/2025 | Resolved | FCRE1184 | Credit | AUS Not Provided | Missing AUS Lender submitted the file as Verified Doc Typ XXX Mo Bank Statement, however the file was verified as XXX Mo XXX. Missing AUS/DU/LP. | Document Uploaded. | 04/30/2025 | AUS is not missing | 05/01/2025 | Borrower has stable job time - Borrower has XXX years on job. D A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| XXXXX | 9133573 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/28/2025 | Resolved | FCRE1182 | Credit | Approval/Underwriting Summary Not Provided | Missing Approval/Underwriting Summary. | Document Uploaded. | 04/30/2025 | Approval/Underwriting Summary is fully present | 05/01/2025 | Borrower has stable job time - Borrower has XXX years on job. D A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| XXXXX | 9133573 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/26/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §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. The loan is an HPML and meets escrow and appraisal requirements. |  |  | HPML compliant. Appraisal and escrow requirements met. | 04/28/2025 | Borrower has stable job time - Borrower has XXX years on job. D A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| XXXXX | 9133573 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/25/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. D A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| XXXXX | 9133587 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/15/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9133587 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/15/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9133587 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/15/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9133670 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/01/2025 | Resolved | FCRE5782 | Credit | Borrower 1 Gap Credit Report is Missing | Borrower 1 Gap Credit Report is Missing Please provide the gap credit report, credit refresh report or an undisclosed debt verification report for the borrower, dated within XXX days of closing. | Document Uploaded. | 05/06/2025 | Borrower 1 Gap Credit Report is not missing.; Undisclosed Debt monitoring report dated within XXX days of closing received. | 05/06/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| XXXXX | 9133670 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/01/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| XXXXX | 9133640 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/08/2025 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing | Document Uploaded. ; Document Uploaded. | 05/15/2025 | Required Affiliated Business Disclosure Documentation Provided; Tax inquiry provided did not resolve the exception; Provide attestation or ABA disclosure | 05/17/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| XXXXX | 9133640 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/08/2025 | Resolved | FCRE1157 | Credit | Hazard Insurance Policy is Missing | Missing Hazard Insurance Policy Hazard Policy is missing | Document Uploaded. | 05/14/2025 | Hazard Insurance Policy is fully present | 05/17/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| XXXXX | 9133640 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/08/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML with established escrows and appraisal requirements met. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §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 compliant. Appraisal and escrow requirements met. | 05/09/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| XXXXX | 9133640 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/08/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| XXXXX | 9133710 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/01/2025 | Resolved | FCOM2461 | Compliance | Final CD: Calculating Cash to Close (page 3) is blank or incorrect form | Final CD does not reflect gift funds in the amount of $XXX. | Document Uploaded. Final SS, reflects Gift, can this be XXX. | 05/06/2025 | Evidence of gift provided, condition cleared. | 05/06/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| XXXXX | 9133710 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/01/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML with established escrows and met appraisal requirements, therefore, downgraded to grade A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §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 compliant. Appraisal and escrow requirements met. | 05/02/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| XXXXX | 9133710 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/01/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| XXXXX | 9133710 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/01/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| XXXXX | 9133694 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/07/2025 | 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. | Document Uploaded. | 05/09/2025 | Borrower 1 Gap Credit Report is not missing.; Undisclosed Debt monitoring report dated within XXX days of closing received. | 05/12/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| XXXXX | 9133694 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/07/2025 | Resolved | FCRE5783 | Credit | Borrower 2 Gap Credit Report is Missing | Borrower 2 Gap Credit Report is Missing Missing gap credit report, as required by guidelines dated XX/XX/XXXX. | Document Uploaded. | 05/09/2025 | Borrower 2 Gap Credit Report is not missing.; Undisclosed Debt monitoring report dated within XXX days of closing received. | 05/12/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| XXXXX | 9133694 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/06/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML with established escrows and met appraisal requirements, therefore, downgraded to grade A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §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 with established escrows and appraisal requirements met. |  |  | HPML compliant. Appraisal and escrow requirements met. | 05/07/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| XXXXX | 9133694 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/07/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| XXXXX | 9162869 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/02/2025 | Resolved | FCRE5116 | Credit | Missing VOM or VOR | Verification of Rent (VOR) /Verification of Mortgage (VOM) Document is Missing. Please provide evidence the borrower has made the XX/XX/XXXX rent payment on time for $XXX per month. | Document Uploaded. | 06/06/2025 | Verification of Rent (VOR) /Verification of Mortgage (VOM) Document is not Missing; Evidence of XX/XX/XXXX rental payment was paid was validated on bank Statement provided. | 06/06/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| XXXXX | 9162869 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/02/2025 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: The second appraisal completed by XXX reflects the transaction is a XXX instead of a purchase on pg XXX of the XXX/appraisal. Please provide a correction to reflects a purchase transaction. | Per Client: For the appraisal, the underwriter used the 1st appraisal for the loan as the value was lower, the one by XXX. He made all conditions relevant to that appraisal. | 06/05/2025 | Property/Appraisal Meets Guidelines; Per lender comments : The underwriter used the 1st appraisal for the loan as the value was lower, the one by XXX. All conditions made relevant to that Appraisal. | 06/06/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| XXXXX | 9162869 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/02/2025 | Resolved | FCRE1182 | Credit | Approval/Underwriting Summary Not Provided | Missing Approval/Underwriting Summary. Please provide the Final 1003 for the subject transaction. | Document Uploaded. | 06/06/2025 | Approval/Underwriting Summary is fully present; XXX loan approval provided. | 06/06/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| XXXXX | 9162869 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/02/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML with established escrows and met appraisal requirements, therefore, downgraded to grade A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §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 compliant. Appraisal and escrow requirements met. | 06/03/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| XXXXX | 9162858 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/29/2025 | 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. | Document Uploaded. | 06/02/2025 | Borrower 1 Gap Credit Report is not missing.; Credit refresh report dated within XXX days of closing was provided. | 06/07/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. D A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| XXXXX | 9162858 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/29/2025 | Resolved | FCRE9995 | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | XXX Reserves of $XXX are less than Guideline Required Reserves of $XXX. File contains only $XXX in reserves, less than the required $XXX. Guidelines, dated XX/XX/XXXX, require XXX months reserves for the subject transaction. The Borrower has a reserve shortage of $XXX. Unable to use non-borrowing spouse's business account as he is not on title and/or Borrower is not owner in company. | Document Uploaded. | 06/02/2025 | XXX Reserves of $XXX are equal to or greater than AUS Required Reserves of $XXX.; An updated rate lock confirmation indicates the loan program as XXX Year Fixed – XXX, reserves are waived per DU.; XXX approval indicates the loan was underwritten to DU and zero reserves required. XXX lock confirmation on page XXX reflects the program as XXX, lock confirmation does not reflect delegated underwriting for a XXX to be used. Condition remains. | 06/07/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. D A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| XXXXX | 9162858 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/29/2025 | Resolved | FCRE3843 | Credit | Guideline Seasoning not Met | The required number of months reserves are to be seasoned does not meet Guideline requirement. Guidelines, dated XX/XX/XXXX, require XXX months reserves for the subject transaction. The Borrower has a reserve shortage of $XXX. Unable to use non-borrowing spouse's business account as he is not on title and/or Borrower is not owner in company. | Document Uploaded. ; Document Uploaded. | 06/06/2025 | The required number of months reserves are to be seasoned does meet Guideline requirement.; Received an updated lock confirmation reflecting as XXX loan with XXX months bank Statements - can now use the DU to determine XXX months of reserves required. ; An updated rate lock confirmation indicates the loan program as XXX Year Fixed – XXX, reserves are waived per DU. Rate lock confirmation also indicate the Doc Type as XXX months business bank Statements, only XXX months business bank Statements were utilized. ; XXX approval indicates the loan was underwritten to DU and zero reserves required. XXX lock confirmation on page XXX reflects the program as XXX, lock confirmation does not reflect delegated underwriting for a XXX to be used. Condition remains. | 06/07/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. D A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| XXXXX | 9162858 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/29/2025 | Resolved | FCRE9785 | Credit | Purchase Contract is Incomplete | is Purchase but Purchase Contract Doc is Incomplete Missing purchase contract addendum listing $XXX seller concessions to match Final CD. Addendum in file lists seller concessions of XXX%, or $XXX. | Document Uploaded. Approved seller credit is XXX% however it was adjusted to $XXX due to meet the underwriter conditions : Borrower MUST bring in a minimum of XXX% ($XXX) of their own funds includes EMD. See XXX addendum | 06/05/2025 | Purchase Contract Doc is complete.; According to the XX/XX/XXXX minimum borrower contribution required (XXX) , per lender comments seller credit was adjusted to $XXX to meet underwriter requirements. | 06/07/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. D A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| XXXXX | 9162858 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/29/2025 | Resolved | FCOM1233 | Credit | The Final 1003 is Incomplete | The Final 1003 is Incomplete Missing Final 1003 listing the Borrower paying $XXX rent instead of no primary housing expense. A lease is in file listing the Borrower and her spouse paying rent on a month to month basis. | Document Uploaded. | 06/05/2025 | The Final 1003 is Present; An updated XXX application reflects rental amount of $XXX for borrower's rental housing was provided. | 06/07/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. D A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| XXXXX | 9162858 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/27/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §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 Compliant |  |  | HPML compliant. Appraisal and escrow requirements met. | 05/29/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. D A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| XXXXX | 9162858 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/29/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. D A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| XXXXX | 9175147 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/29/2025 | Resolved | FCRE1193 | Credit | Audited DTI Exceeds Guideline DTI | XXX DTI of XXX% exceeds Guideline DTI of XXX% XXX- FTHB max DTI is XXX% | Document Uploaded. | 06/04/2025 | XXX DTI of XXX% is less than or equal to Guideline DTI of XXX% | 06/04/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| XXXXX | 9175147 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/29/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| XXXXX | 9175147 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/29/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| XXXXX | 9133802 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/06/2025 | Resolved | FCRE5782 | Credit | Borrower 1 Gap Credit Report is Missing | Borrower 1 Gap Credit Report is Missing Gap report is required when the initial credit report is older than XXX days from Note date. | Document Uploaded. | 05/09/2025 | Borrower 1 Gap Credit Report is not missing.; Credit refresh report dated within XXX days of closing was provided. | 05/12/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| XXXXX | 9133802 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/06/2025 | Resolved | FCRE5783 | Credit | Borrower 2 Gap Credit Report is Missing | Borrower 2 Gap Credit Report is Missing Gap report is required when the initial credit report is older than XXX days from Note date. | Document Uploaded. | 05/09/2025 | Borrower 2 Gap Credit Report is not missing.; Credit refresh report dated within XXX days of closing was provided. | 05/12/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| XXXXX | 9133802 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/06/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| XXXXX | 9133807 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/04/2025 | 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. | Document Uploaded. ; Document Uploaded. | 05/15/2025 | Borrower 1 Gap Credit Report is not missing.; Debt monitoring report is present on the fraud report on pg XXX of XXX. ; Fraud Report was uploaded instead of a Gap Credit Report | 05/20/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| XXXXX | 9133807 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/04/2025 | Resolved | FCRE5783 | Credit | Borrower 2 Gap Credit Report is Missing | Borrower 2 Gap Credit Report is Missing Missing gap credit report, as required by guidelines, dated XX/XX/XXXX. | Document Uploaded. ; Document Uploaded. | 05/15/2025 | Borrower 2 Gap Credit Report is not missing.; Debt monitoring report is present on the fraud report on pg XXX of XXX. ; Fraud report was uploaded instead of a Gap Credit Report | 05/20/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| XXXXX | 9133807 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/04/2025 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing verification that property taxes and insurance are included in the mortgage payment evidenced on the origination credit report for the property in XXX, XXX, and evidence that there are no HOA dues. | Document Uploaded. ; Document Uploaded. | 05/19/2025 | Received verification of HOA dues for XXX. PITIA was included in DTI calculation.; Verification of PITI for XXX was received, per the XXX printout HOA is present, evidence of HOA fee was not provided. Condition remains. | 05/20/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| XXXXX | 9133807 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/05/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §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 provided |  |  | HPML compliant. Appraisal and escrow requirements met. | 05/05/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| XXXXX | 9133807 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/04/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| XXXXX | 9133540 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/01/2025 | Resolved | FCRE5782 | Credit | Borrower 1 Gap Credit Report is Missing | Borrower 1 Gap Credit Report is Missing Gap report or undisclosed debt monitoring report within XXX days of closing is missing | Document Uploaded. ; Document Uploaded. ; Document Uploaded. | 05/13/2025 | Borrower 1 Gap Credit Report is not missing.; Undisclosed debt monitoring report dated within XXX days of closing received. ; Explanation for delinquency and inquiries received, all pages of credit report pulled on XX/XX/XXXX are missing. Condition remains. | 05/14/2025 | Borrower has stable job time - Borrower has XXX years on job. D A | B | A D | B D A | B D A | B D A | B D A | B A | A B | A B | A B | A B | A |
| XXXXX | 9133540 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/02/2025 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The eSigned documents consent is missing. Nothing in file to reflect the initial e-signature dated on or before XX/XX/XXXX. | Document Uploaded. | 05/07/2025 | Evidence of eConsent is provided. | 05/14/2025 | Borrower has stable job time - Borrower has XXX years on job. D A | B | A D | B D A | B D A | B D A | B D A | B A | A B | A B | A B | A B | A |
| XXXXX | 9133540 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/02/2025 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing | Document Uploaded. | 05/07/2025 | Required Affiliated Business Disclosure Documentation Provided | 05/14/2025 | Borrower has stable job time - Borrower has XXX years on job. D A | B | A D | B D A | B D A | B D A | B D A | B A | A B | A B | A B | A B | A |
| XXXXX | 9133540 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/01/2025 | Acknowledged | FCRE1440 | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements Lender Exception: Paying off an unseasoned 2nd on a rate/term; Comp Factors include: Borrowers contribution exceeds requirements by =>XXX%; High discretionary income; VOM 0x30 in XXX months; Other- The loan we are paying off is a bridge loan with a XXX% rate and was used to finish the property. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. D C A | B | A D | B D A | B D A | B D A | B D A | B A | A B | A B | A B | A B | A |
| XXXXX | 9133540 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/01/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. D A | B | A D | B D A | B D A | B D A | B D A | B A | A B | A B | A B | A B | A |
| XXXXX | 9133612 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/05/2025 | 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. Credit report is XXX days old. | Document Uploaded. | 05/20/2025 | Borrower 1 Gap Credit Report is not missing.; Received the undisclosed debt verification report for both borrowers dated XX/XX/XXXX. | 05/20/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| XXXXX | 9133612 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/05/2025 | Resolved | FCRE5783 | Credit | Borrower 2 Gap Credit Report is Missing | Borrower 2 Gap Credit Report is Missing Missing gap credit report, as required by guidelines dated XX/XX/XXXX. Credit report is XXX days old. | uploaded | 05/20/2025 | Borrower 2 Gap Credit Report is not missing.; Received the undisclosed debt verification report for both borrowers dated XX/XX/XXXX. | 05/20/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| XXXXX | 9133612 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/06/2025 | Resolved | finding-3532 | Compliance | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to one of the following findings:(XXX CFR §XXX(f) (XXX) (ii). The initial CD is missing from the loan file. The earliest CD in the loan file was issued on XX/XX/XXXX and signed at consummation. The violation can be cured by providing the initial CD as well as evidence showing that is was received by the consumer XXX business days prior to consummation on XX/XX/XXXX. This loan failed the initial closing disclosure delivery date test due to one of the following findings:(XXX CFR §XXX(f) (XXX) (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 §XXX(f) (XXX) (i) no later than three business days before consummation. | Document Uploaded. | 05/08/2025 | Initial CD with receipt date provided; exception resolved; Initial CD with receipt date provided; exception resolved | 05/08/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| XXXXX | 9133612 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/05/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| XXXXX | 9133703 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/08/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML with established escrows and met appraisal requirements, therefore, downgraded to grade A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §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 compliant. Appraisal and escrow requirements met. | 05/08/2025 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9133703 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/07/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9133703 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/07/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9133580 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/02/2025 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing | Document Uploaded. | 05/09/2025 | Affiliated attestation provided; Exception resolved; Required Affiliated Business Disclosure Documentation Provided | 05/13/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| XXXXX | 9133580 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/02/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML with established escrows and met appraisal requirements, therefore, downgraded to grade A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §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 compliant. Appraisal and escrow requirements met. | 05/02/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| XXXXX | 9133580 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/02/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| XXXXX | 9162848 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/19/2025 | 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. | Document Uploaded. | 05/21/2025 | Borrower 1 Gap Credit Report is not missing.; Credit refresh report dated within XXX days of closing was provided. | 06/24/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | C | A D C | C D | C D | C D | C D | C A | A | A | A | A | A |
| XXXXX | 9162848 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/27/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Missing UCDP CU Score | Document Uploaded. | 05/28/2025 | Third party valuation product provided within tolerance.; Third Party Valuation Product Not Provided or Not Provided Within Tolerance.; SSR received, CU=XXX | 05/28/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | C | A D C | C D | C D | C D | C D | C A | A | A | A | A | A |
| XXXXX | 9162848 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/16/2025 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (XX/XX/XXXX.XXX(a) (XXX)). Missing evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. | Document Uploaded. | 05/21/2025 | Evidence of appraisal delivery provided. | 05/28/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | C | A D C | C D | C D | C D | C D | C A | A | A | A | A | A |
| XXXXX | 9162848 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/16/2025 | Resolved | FCOM3531 | Compliance | Higher-Priced Mortgage Loan Evidence of Appraisal Delivery to the Borrower Not Provided (12 CFR 1026.35(c)(6)) | Evidence of Appraisal Delivery to the Borrower Not Provided. Unable to downgrade HPML. Missing evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. | uploaded | 05/21/2025 | Evidence of Appraisal Delivery to the Borrower Provided. | 05/28/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | C | A D C | C D | C D | C D | C D | C A | A | A | A | A | A |
| XXXXX | 9162848 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/19/2025 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Missing fraud report as required by guidelines, dated XX/XX/XXXX. | Document Uploaded. ; Document Uploaded. | 05/22/2025 | Third Party Fraud Report is provided; Fraud Report provided indicates the settlement agent and loan Originator has been cleared on the exclusionary lists; Fraud Report received is missing evidence the Settlement agent, The law offices of XXX and loan Originator XXX was screened through any exclusionary list. | 05/28/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | C | A D C | C D | C D | C D | C D | C A | A | A | A | A | A |
| XXXXX | 9162848 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/19/2025 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing verification that REO property, in XXX, XXX, is escrowed for taxes and insurance (mortgage Statement just lists escrow) , and verification of HOA dues or letter signed by Borrower that there are no dues. | Document Uploaded. | 05/21/2025 | Evidence of taxes, insurance and HOA for XXX was received. | 05/21/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | C | A D C | C D | C D | C D | C D | C A | A | A | A | A | A |
| XXXXX | 9162848 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/16/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §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. Unable to downgrade. Appraisal delivery missing. | uploaded | 05/21/2025 | Appraisal delivery provided, HPML compliant. Exception resolved | 05/21/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | C | A D C | C D | C D | C D | C D | C A | A | A | A | A | A |
| XXXXX | 9162848 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/19/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | C | A D C | C D | C D | C D | C D | C A | A | A | A | A | A |
| XXXXX | 9162861 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/03/2025 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Missing RSU income documentation per guidelines: Missing evidence stock is publicly traded, current vesting schedule reflecting past and future vesting, and a completed WVOE that shows restricted stock distributions, or the Borrower's recent paystub and year end W2s or paystubs showing the stock distributions. | Document Uploaded. | 06/05/2025 | Income and Employment Meet Guidelines, Income and Employment Do Not Meet Guidelines Missing RSU income documentation per guidelines: Missing evidence stock is publicly traded, current vesting schedule reflecting past and future vesting, and a completed WVOE that shows restricted stock distributions, or the Borrower's recent paystub and year end W2s or paystubs showing the stock distributions. Rebuttal provided paystubs, Income calculator and W-XXX's for missing income. ; Income and Employment Meet Guidelines, Income and Employment Do Not Meet Guidelines Missing RSU income documentation per guidelines: Missing evidence stock is publicly traded, current vesting schedule reflecting past and future vesting, and a completed WVOE that shows restricted stock distributions, or the Borrower's recent paystub and year end W2s or paystubs showing the stock distributions. Rebuttal provided paystubs, Income calculator and W-XXX's for missing income. | 06/18/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | B | A D | B D | B D | B D | B D | B A | A | A | A | A | A |
| XXXXX | 9162861 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/03/2025 | Resolved | FCRE1438 | Credit | ATR Risk | ATR Risk: Missing RSU income documentation per guidelines: Missing evidence stock is publicly traded, current vesting schedule reflecting past and future vesting, and a completed WVOE that shows restricted stock distributions, or the Borrower's recent paystub and year end W2s or paystubs showing the stock distribution, as required by guidelines dated XX/XX/XXXX. | Document Uploaded. | 06/05/2025 | ATR Risk Resolved | 06/10/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | B | A D | B D | B D | B D | B D | B A | A | A | A | A | A |
| XXXXX | 9162861 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/03/2025 | Resolved | FCRE1316 | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing Missing VVOE within XXX days of close, as required by guidelines, dated XX/XX/XXXX. | Document Uploaded. | 06/06/2025 | Borrower 1 3rd Party VOE Prior to Close Was Provided | 06/10/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | B | A D | B D | B D | B D | B D | B A | A | A | A | A | A |
| XXXXX | 9162861 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/03/2025 | Resolved | FCRE1333 | Credit | Borrower 1 WVOE Missing | Borrower 1 WVOE Missing Missing WVOE, as required by guidelines dated XX/XX/XXXX, to verify restricted stock distributions for the past XXX years. | Document Uploaded. | 06/05/2025 | Borrower 1 WVOE Provided | 06/10/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | B | A D | B D | B D | B D | B D | B A | A | A | A | A | A |
| XXXXX | 9162861 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/03/2025 | 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. | Document Uploaded. | 06/05/2025 | Borrower 1 Gap Credit Report is not missing. | 06/10/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | B | A D | B D | B D | B D | B D | B A | A | A | A | A | A |
| XXXXX | 9162861 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/03/2025 | Resolved | FCRE1440 | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements Missing verification of XX/XX/XXXX mortgage payment for XXX and XXX, as required by guidelines dated XX/XX/XXXX. | Document Uploaded. | 06/05/2025 | Housing History Meets Guideline Requirements | 06/10/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | B | A D | B D | B D | B D | B D | B A | A | A | A | A | A |
| XXXXX | 9162861 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/03/2025 | 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. Missing verification of XX/XX/XXXX mortgage payment for XXX and XXX, as required by guidelines dated XX/XX/XXXX. | Document Uploaded. | 06/05/2025 | Verification of Rent (VOR) /Verification of Mortgage (VOM) Document is not partially present. | 06/10/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | B | A D | B D | B D | B D | B D | B A | A | A | A | A | A |
| XXXXX | 9162861 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/03/2025 | Resolved | FCOM1233 | Credit | The Final 1003 is Incomplete | The Final 1003 is Incomplete Missing Final 1003 listing HOA dues in the amount of $XXX for property on XXX, as evidenced by the property report in file. | Document Uploaded. | 06/06/2025 | The Final 1003 is Present | 06/10/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | B | A D | B D | B D | B D | B D | B A | A | A | A | A | A |
| XXXXX | 9162861 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/03/2025 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (XX/XX/XXXX.XXX(a) (XXX)). | Document Uploaded. | 06/05/2025 | Appraisal delivery provided, exception resolved; Evidence of appraisal delivery provided. | 06/10/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | B | A D | B D | B D | B D | B D | B A | A | A | A | A | A |
| XXXXX | 9162861 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/03/2025 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The eSigned documents consent is missing. Nothing in file to reflect the initial e-signature dated on or before XX/XX/XXXX. | Document Uploaded. | 06/06/2025 | E consent provided, exception resolved; Evidence of eConsent is provided. | 06/10/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | B | A D | B D | B D | B D | B D | B A | A | A | A | A | A |
| XXXXX | 9162861 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/03/2025 | Resolved | FPRO1242 | Property | Appraisal is Missing | Appraisal is Missing. Missing appraisal, as required per guidelines dated XX/XX/XXXX. | Document Uploaded. | 06/05/2025 | Appraisal is Present or is Waived | 06/10/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | B | A D | B D | B D | B D | B D | B A | A | A | A | A | A |
| XXXXX | 9162861 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/03/2025 | Resolved | FCRE1495 | Credit | ATR: Current Employment Not Verified | ATR: Current Employment Not Verified ATR Risk: Missing VVOE, as required by guidelines dated XX/XX/XXXX. | Document Uploaded. | 06/05/2025 | ATR: Current Employment Was Verified | 06/10/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | B | A D | B D | B D | B D | B D | B A | A | A | A | A | A |
| XXXXX | 9162861 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/03/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Missing Third Party Valuation Product, as required by guidelines dated XX/XX/XXXX. | passing SSR uploaded with appraisal | 06/05/2025 | Third party valuation product provided within tolerance. | 06/10/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | B | A D | B D | B D | B D | B D | B A | A | A | A | A | A |
| XXXXX | 9162861 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/05/2025 | Resolved | FPRO1136 | Property | Subject property appraisal is not on an as-is basis (Primary Value) | Primary Value Subject Property Appraisal is not on an As-Is Basis | Document Uploaded. | 06/10/2025 | Primary Value Subject Property Appraisal is completed on an As-Is Basis or XXX; 1004D/appraisal update/final inspection provided confirming subject property has been completed per plans and specs. | 06/10/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | B | A D | B D | B D | B D | B D | B A | A | A | A | A | A |
| XXXXX | 9162861 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/05/2025 | Resolved | FPRO3498 | Property | Pest Inspection Items Not Remedied | Pest Inspection Items Not Remedied | Document Uploaded. | 06/06/2025 | Issues on Pest Inspection have been remedied. | 06/10/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | B | A D | B D | B D | B D | B D | B A | A | A | A | A | A |
| XXXXX | 9133648 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/20/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML with established escrows and met appraisal requirements, therefore, downgraded to grade A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §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 compliant. Appraisal and escrow requirements met. | 05/21/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9133648 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/20/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9133648 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/20/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9162864 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/29/2025 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The eSigned documents consent is missing. Nothing in file to reflect the initial e-signature dated on or before XX/XX/XXXX. | Document Uploaded. | 06/04/2025 | Evidence of eConsent is provided. | 06/09/2025 | Borrower has stable job time - Borrower has XXX years on job. D A | B | A D | B D | B D | B D | B D | B A | A | A | A | A | A |
| XXXXX | 9162864 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/29/2025 | Resolved | FCOM1266 | Compliance | Homeownership Counseling Disclosure Is Missing | Homeownership Counseling Disclosure Is Missing | Document Uploaded. | 06/04/2025 | Homeownership Counseling Disclosure Is Present or XXX | 06/09/2025 | Borrower has stable job time - Borrower has XXX years on job. D A | B | A D | B D | B D | B D | B D | B A | A | A | A | A | A |
| XXXXX | 9162864 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/29/2025 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing | Document Uploaded. | 06/04/2025 | Required Affiliated Business Disclosure Documentation Provided; Affiliated attestation provided; Exception resolved | 06/09/2025 | Borrower has stable job time - Borrower has XXX years on job. D A | B | A D | B D | B D | B D | B D | B A | A | A | A | A | A |
| XXXXX | 9162864 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/29/2025 | Resolved | FCRE5116 | Credit | Missing VOM or VOR | Verification of Rent (VOR) /Verification of Mortgage (VOM) Document is Missing. Missing VOM. | Document Uploaded. | 06/03/2025 | Verification of Rent (VOR) /Verification of Mortgage (VOM) Document is not Missing | 06/09/2025 | Borrower has stable job time - Borrower has XXX years on job. D A | B | A D | B D | B D | B D | B D | B A | A | A | A | A | A |
| XXXXX | 9162864 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/30/2025 | Resolved | FPRO1242 | Property | Appraisal is Missing | Appraisal is Missing. | Document Uploaded. | 06/02/2025 | Appraisal is Present or is Waived; XXX appraisal received for the subject property. | 06/09/2025 | Borrower has stable job time - Borrower has XXX years on job. D A | B | A D | B D | B D | B D | B D | B A | A | A | A | A | A |
| XXXXX | 9162864 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/30/2025 | Resolved | FCRE1193 | Credit | Audited DTI Exceeds Guideline DTI | XXX DTI of XXX% exceeds Guideline DTI of XXX% Missing lease for XXX to offset mortgage liability causing DTI to be higher than Lender DTI. | Document Uploaded. Two auto loans that are business debts. Required is only XXX months showing payment from the business account, attached. Also attached is the LOE stating these are paid by the business.; Document Uploaded. | 06/09/2025 | XXX DTI of XXX% is less than or equal to Guideline DTI of XXX%; Received lease agreement for XXX, updated DTI of XXX% exceeds the maximum DTI of XXX%. The XXX approval indicate two debts were paid by borrower's business, according to the lender guidelines in order to exclude non-mortgage debts from the DTI ratio, the most recent XXX month's canceled checks or bank Statements must be obtained from the other party making the payments that document a XXX month payment history with no delinquent payments. Missing most recent XXX month's canceled checks or bank Statements from other party to validate debts were not paid by the borrower. ; Lease agreement received for XXX reflects a rental amount of $XXX. | 06/09/2025 | Borrower has stable job time - Borrower has XXX years on job. D A C | B | A D | B D | B D | B D | B D | B A | A | A | A | A | A |
| XXXXX | 9162864 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/30/2025 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Missing Fraud Report. | Document Uploaded. | 06/02/2025 | Third Party Fraud Report is provided; Fraud report received. | 06/09/2025 | Borrower has stable job time - Borrower has XXX years on job. D A | B | A D | B D | B D | B D | B D | B A | A | A | A | A | A |
| XXXXX | 9162864 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/30/2025 | Resolved | FCRE7347 | Credit | Missing Lease Agreement | Missing lease agreement for XXX. | Document Uploaded. | 06/03/2025 | Lease received, condition resolved | 06/03/2025 | Borrower has stable job time - Borrower has XXX years on job. D A | B | A D | B D | B D | B D | B D | B A | A | A | A | A | A |
| XXXXX | 9162864 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/30/2025 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing most recent mortgage Statement for XXX and HOA documentation (if applicable) / LOE from borrower if none. | Document Uploaded. | 06/03/2025 | Document received, condition resolved | 06/03/2025 | Borrower has stable job time - Borrower has XXX years on job. D A | B | A D | B D | B D | B D | B D | B A | A | A | A | A | A |
| XXXXX | 9162830 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/19/2025 | Resolved | FCRE0377 | Credit | The Total Hazard Coverage is LESS than the Required Coverage Amount | The hazard insurance dwelling coverage of ($XXX) is insufficient, not meeting the required coverage amount of ($XXX). | Document Uploaded. ; Document Uploaded. | 05/22/2025 | The Total Hazard Coverage is greater than or equal to the Required Coverage Amount; Updated hazard insurance with coverage of $XXX was received. ; Received replacement cost estimator from insurer, hazard insurance coverage of $XXX is not sufficient as estimated replacement cost per insurer is $XXX. | 05/23/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| XXXXX | 9162830 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/19/2025 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report | Document Uploaded. ; Document Uploaded. ; Document Uploaded. | 05/23/2025 | Third Party Fraud Report is provided; Fraud Report provided indicates the underwriter and appraiser have been cleared on the exclusionary lists.; Fraud Report received is missing evidence the underwriter XXX, and XXX and XXX, was screened through any exclusionary list. | 05/23/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| XXXXX | 9162830 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/19/2025 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing | Document Uploaded. | 05/21/2025 | Affiliated attestation provided; Exception resolved; Required Affiliated Business Disclosure Documentation Provided | 05/23/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| XXXXX | 9162830 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/16/2025 | Resolved | finding-2559 | Compliance | NY Subprime Home Loan Test | This loan failed the XXX Home Loan Test. (XXX XX/XX/XXXX, XXX(c)) Using the greater of the disclosed APR and the fully indexed rate, the loan is a subprime home loan, as defined in the legislation.While the XXX Subprime 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 subprime home loans even if the additional conditions are met. Missing XXX couseling list, unable to downgrade | Document Uploaded. | 05/21/2025 | XXX counselors list provided, XXX Subprime downgraded. | 05/22/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| XXXXX | 9162830 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/16/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §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 requirements. |  |  | HPML compliant. Appraisal and escrow requirements met. | 05/19/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| XXXXX | 9162830 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/19/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| XXXXX | 9162797 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/03/2025 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Document Uploaded. | 06/05/2025 | Third Party Fraud Report is provided | 06/09/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| XXXXX | 9162797 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/03/2025 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. | Document Uploaded. | 06/09/2025 | Evidence of eConsent is provided. | 06/09/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| XXXXX | 9162797 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/03/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML with established escrows and appraisal requirements met. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §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 compliant. Appraisal and escrow requirements met. | 06/04/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| XXXXX | 9162797 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/03/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| XXXXX | 6971925 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/03/2024 | Resolved | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 01/03/2024 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; is Greater than the Guideline Minimum - of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of XXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 6971925 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/04/2024 | Resolved | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 01/04/2024 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; is Greater than the Guideline Minimum - of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of XXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 6971925 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/04/2024 | Resolved | 3782 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | 01/04/2024 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; is Greater than the Guideline Minimum - of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of XXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9125029 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 07/21/2025 | Resolved | 40008037 | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125029 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 07/21/2025 | Resolved | 40008037 | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125021 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 03/20/2025 | Acknowledged | 40008864-2752 | Property | Appraisal Aged | Appraisal Date of subject property > XXX Days of the Note Date | XXX: repeat client with good history with FNF and Rental loans, good liquidity' | 03/27/2025 | XXX: Waived | 3/27/2025 | Strong reserves, Experienced Borrower C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| XXXXX | 9125021 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 07/21/2025 | Resolved | 40008864 | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | C B A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| XXXXX | 9053583 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 01/23/2025 | Resolved | 40008964-562 | Property | Appraisal Review - Missing | Missing Appraisal Desk Review for property located at : XXX | XXX: Uploaded | 01/28/2025 | XXX: Received | 1/28/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125000 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 03/12/2025 | Resolved | 40008989-2727 | Property | Appraisal Review - Missing | Missing Appraisal Desk Review for property located at : XXX | XXX: Uploaded | 03/20/2025 | XXX: Received | 3/20/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125000 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 07/21/2025 | Resolved | 40008989 | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125001 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 03/12/2025 | Resolved | 40009059-2728 | Property | Appraisal Review - Missing | Missing Appraisal Desk Review for property located at : XXX | XXX: Uploaded | 03/20/2025 | XXX: Received | 3/20/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125001 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 07/21/2025 | Resolved | 40009059 | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125056 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 07/21/2025 | Resolved | 40009097 | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125056 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 07/21/2025 | Resolved | 40009097 | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9124996 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 07/21/2025 | Resolved | 40009132 | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9124996 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 07/21/2025 | Resolved | 40009132 | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125030 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 03/26/2025 | Resolved | 40009225-2763 | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125030 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 07/21/2025 | Resolved | 40009225 | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125002 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 03/12/2025 | Resolved | 40009300-2729 | Property | Appraisal Review - Missing | Missing Appraisal Desk Review for property located at : XXX | XXX: Uploaded | 03/20/2025 | XXX: Received | 3/20/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125002 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 07/21/2025 | Resolved | 40009300 | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125022 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 03/20/2025 | Resolved | 40009380-2748 | Credit | Insufficient Assets to Close | Insufficient Liquidity \| Verified assets of $XXX are less than minimum required of $XXX. Borrower short - $XXX | XXX: Uploaded | 03/27/2025 | XXX: Received | 3/27/2025 | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125003 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 03/12/2025 | Resolved | 40009408-2730 | Property | Appraisal Review - Missing | Missing Appraisal Desk Review for property located at : XXX | XXX: Uploaded | 03/20/2025 | XXX: Received | 3/20/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125003 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 07/21/2025 | Resolved | 40009408 | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125057 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/09/2025 | Resolved | 40009425-2794 | Property | Appraisal Review - Missing | Missing Appraisal Desk Review for property located at : XXX | XXX: Uploaded | 04/17/2025 | XXX: Received | 4/17/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125057 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/09/2025 | Resolved | 40009425-2794 | Property | Appraisal Review - Missing | Missing Appraisal Desk Review for property located at : XXX | XXX: Uploaded | 04/17/2025 | XXX: Received | 4/17/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125058 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/09/2025 | Resolved | 40009428-2807 | Property | Appraisal Review - Missing | Missing Appraisal Desk Review for property located at : XXX | XXX: Uploaded | 04/17/2025 | XXX: Received | 4/17/2025 | DSCR > X.X and Fico 30+ higher than minimum required B A | N/A | N/A D C | N/A D C | N/A D C | N/A D C | N/A D C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| XXXXX | 9125058 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/09/2025 | Acknowledged | 40009428-2785 | Credit | Hazard Insurance | Hazard Insurance Missing or Defective | XXX | 04/17/2025 | XXX: Waived | 4/17/2025 | DSCR > X.X and Fico 30+ higher than minimum required B A | N/A | N/A D C | N/A D C | N/A D C | N/A D C | N/A D C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| XXXXX | 9125058 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/09/2025 | Resolved | 40009428-2807 | Property | Appraisal Review - Missing | Missing Appraisal Desk Review for property located at : XXX | XXX: Uploaded | 04/17/2025 | XXX: Received | 4/17/2025 | DSCR > X.X and Fico 30+ higher than minimum required B A | N/A | N/A D C | N/A D C | N/A D C | N/A D C | N/A D C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| XXXXX | 9125059 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 07/21/2025 | Resolved | 40009431 | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125059 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 07/21/2025 | Resolved | 40009431 | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125060 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 07/21/2025 | Resolved | 40009457 | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125060 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 07/21/2025 | Resolved | 40009457 | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125004 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 03/12/2025 | Resolved | 40009479-2731 | Property | Appraisal Review - Missing | Missing Appraisal Desk Review for property located at : XXX | XXX: Uploaded | 03/20/2025 | XXX: Received | 3/20/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125004 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 07/21/2025 | Resolved | 40009479 | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125005 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 03/12/2025 | Resolved | 40009495-2726 | Credit | Note Missing or Defective | Missing Executed note | XXX: Uploaded | 03/20/2025 | XXX: Received | 3/20/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125005 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 03/12/2025 | Resolved | 40009495-2732 | Property | Appraisal Review - Missing | Missing Appraisal Desk Review for property located at : XXX | XXX: Uploaded | 03/20/2025 | XXX: Received | 3/20/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125023 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 07/21/2025 | Resolved | 40009505 | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125023 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 07/21/2025 | Resolved | 40009505 | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125006 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 03/12/2025 | Resolved | 40009513-2733 | Property | Appraisal Review - Missing | Missing Appraisal Desk Review for property located at : XXX | XXX: Uploaded | 03/20/2025 | XXX: Received | 3/20/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125006 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 07/21/2025 | Resolved | 40009513 | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125041 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/03/2025 | Resolved | 40009525-2778 | Property | Hazard Insurance Missing or Defective | Missing evidence of Hazard Premium | XXX: Uploaded | 04/10/2025 | XXX: Received | 4/10/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125041 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 07/21/2025 | Resolved | 40009525 | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125061 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 07/21/2025 | Resolved | 40009535 | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125061 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 07/21/2025 | Resolved | 40009535 | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125007 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 03/12/2025 | Resolved | 40009548-2734 | Property | Appraisal Review - Missing | Missing Appraisal Desk Review for property located at : XXX | XXX: Uploaded | 03/20/2025 | XXX: Received | 3/20/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125007 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 07/21/2025 | Resolved | 40009548 | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125008 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 03/12/2025 | Resolved | 40009552-2709 | Property | Appraisal Review - Missing | Missing Appraisal Desk Review for property located at : XXX | XXX: Uploaded | 03/20/2025 | XXX: Received | 3/20/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125008 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 07/21/2025 | Resolved | 40009552 | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125009 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 03/12/2025 | Resolved | 40009553-2710 | Property | Appraisal Review - Missing | Missing Appraisal Desk Review for property located at : XXX | XXX: Uploaded | 03/20/2025 | XXX: Received | 3/20/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125009 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 07/21/2025 | Resolved | 40009553 | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125010 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 03/12/2025 | Resolved | 40009557-2711 | Property | Appraisal Review - Missing | Missing Appraisal Desk Review for property located at : XXX | XXX: Uploaded | 03/20/2025 | XXX: Received | 3/20/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125010 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 07/21/2025 | Resolved | 40009557 | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125042 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/03/2025 | Resolved | 40009563-2770 | Credit | Missing Cert of Good Standing | Missing Certificate of Good Standing for borrowing entity | XXX: Uploaded | 04/09/2025 | XXX: Received | 4/9/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125011 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 03/12/2025 | Resolved | 40009605-2712 | Property | Appraisal Review - Missing | Missing Appraisal Desk Review for property located at : XXX | XXX: Uploaded | 03/20/2025 | XXX: Received | 3/20/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125011 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 07/21/2025 | Resolved | 40009605 | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125012 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 03/12/2025 | Resolved | 40009606-2713 | Property | Appraisal Review - Missing | Missing Appraisal Desk Review for property located at : XXX | XXX: Uploaded | 03/20/2025 | XXX: Received | 3/20/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125012 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 07/21/2025 | Resolved | 40009606 | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125013 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 03/12/2025 | Resolved | 40009609-2714 | Property | Appraisal Review - Missing | Missing Appraisal Desk Review for property located at : XXX | XXX: Uploaded | 03/20/2025 | XXX: Received | 3/20/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125013 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 07/21/2025 | Resolved | 40009609 | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125015 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 03/12/2025 | Resolved | 40009637-2742 | Property | Appraisal Review - Missing | Missing Appraisal Desk Review for property located at : XXX | XXX: Uploaded | 03/20/2025 | XXX: Received | 3/20/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125015 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 07/21/2025 | Resolved | 40009637 | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125017 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 03/12/2025 | Resolved | 40009663-2740 | Property | Appraisal Review - Missing | Missing Appraisal Desk Review for property located at : XXX | XXX: Uploaded | 03/20/2025 | XXX: Received | 3/20/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125017 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 03/12/2025 | Resolved | 40009663-2741 | Credit | Market Rent - Missing or Defective | Provided market rent range report file is damaged. Missing Market Rent for property located at: XXX | XXX: Uploaded | 03/20/2025 | XXX: Received | 3/20/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125018 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 03/12/2025 | Resolved | 40009667-2743 | Property | Appraisal Review - Missing | Missing Appraisal Desk Review for property located at : XXX | XXX: Uploaded | 03/20/2025 | XXX: Received | 3/20/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125018 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 07/21/2025 | Resolved | 40009667 | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125063 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 07/21/2025 | Resolved | 40009689 | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125063 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 07/21/2025 | Resolved | 40009689 | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125019 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 03/12/2025 | Resolved | 40009697-2718 | Property | Appraisal Review - Missing | Missing Appraisal Desk Review for property located at : XXX | XXX: Uploaded | 03/20/2025 | XXX: Received | 3/20/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125019 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 07/21/2025 | Resolved | 40009697 | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125020 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 03/12/2025 | Resolved | 40009698-2719 | Property | Appraisal Review - Missing | Missing Appraisal Desk Review for property located at : XXX | XXX: Uploaded | 03/20/2025 | XXX: Received | 3/20/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125020 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 07/21/2025 | Resolved | 40009698 | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125064 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 07/21/2025 | Resolved | 40009717 | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125064 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 07/21/2025 | Resolved | 40009717 | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125065 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/09/2025 | Resolved | 40009720-2813 | Credit | Missing Cert of Good Standing | Missing Certificate of Good Standing for borrowing entity | XXX: Uploaded | 04/17/2025 | XXX: Received | 4/17/2025 | D B A C | N/A | N/A D C | N/A D C | N/A D C | N/A D C | N/A D C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| XXXXX | 9125065 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/09/2025 | Acknowledged | 40009720-2822 | Property | Ineligble Tenant Occupancy | XXX condo due to the Owner-Occupancy | XXX: The association consists of a total of XXX units, all of which have mortgage records. We had proof of multiple lenders providing financing in the associations. Great Fico and low LTV | 04/17/2025 | XXX: Waived | 4/17/2025 | Strong LTV, Fico XXX+ Min D B C A | N/A | N/A D C | N/A D C | N/A D C | N/A D C | N/A D C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| XXXXX | 9125065 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/09/2025 | Resolved | 40009720-2813 | Credit | Missing Cert of Good Standing | Missing Certificate of Good Standing for borrowing entity | XXX: Uploaded | 04/17/2025 | XXX: Received | 4/17/2025 | D B A C | N/A | N/A D C | N/A D C | N/A D C | N/A D C | N/A D C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| XXXXX | 9125065 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/09/2025 | Acknowledged | 40009720-2822 | Property | Ineligble Tenant Occupancy | XXX condo due to the Owner-Occupancy | XXX: The association consists of a total of XXX units, all of which have mortgage records. We had proof of multiple lenders providing financing in the associations. Great Fico and low LTV | 04/17/2025 | XXX: Waived | 4/17/2025 | Strong LTV, Fico XXX+ Min D B C A | N/A | N/A D C | N/A D C | N/A D C | N/A D C | N/A D C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| XXXXX | 9125025 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 07/21/2025 | Resolved | 40009730 | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125025 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 07/21/2025 | Resolved | 40009730 | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125026 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 07/21/2025 | Resolved | 40009735 | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125026 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 07/21/2025 | Resolved | 40009735 | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125033 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 07/21/2025 | Resolved | 40009741 | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125033 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 07/21/2025 | Resolved | 40009741 | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125043 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/03/2025 | Resolved | 40009751-2772 | Credit | Appraisal Review - Missing | Missing Appraisal Desk Review for property located at : XXX | XXX: Uploaded | 04/17/2025 | XXX: Received | 4/17/2025 | D B A C | N/A | N/A D C | N/A D C | N/A D C | N/A D C | N/A D C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| XXXXX | 9125043 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/03/2025 | Acknowledged | 40009751-2776 | Property | Hazard Insurance Missing or Defective | Max Deductible > XXX% of Loan Amount | XXX: Good borrower with the firm. Good FICO, XXX liquidity. Has used this insurance company for a while and has several properties on the policy and does not want to find a new company. | 04/17/2025 | XXX: Waived | 4/17/2025 | Fico XXX+ Min, Strong Reserves D B C A | N/A | N/A D C | N/A D C | N/A D C | N/A D C | N/A D C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| XXXXX | 9125043 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/03/2025 | Acknowledged | 40009751-2776 | Property | Hazard Insurance Missing or Defective | Max Deductible > XXX% of Loan Amount | XXX: ood borrower with the firm. Good FICO, XXX liquidity. Has used this insurance company for a while and has several properties on the policy and does not want to find a new company. | 04/08/2025 | XXX: Waived | 4/8/2025 | Fico XXX+ Min, Strong Reserves D B C A | N/A | N/A D C | N/A D C | N/A D C | N/A D C | N/A D C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| XXXXX | 9125066 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/09/2025 | Resolved | 40009752-2817 | Property | Appraisal Review - Missing | Missing Appraisal Desk Review for property located at : XXX | XXX: Uploaded | 04/17/2025 | XXX: Received | 4/17/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125066 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/09/2025 | Resolved | 40009752-2817 | Property | Appraisal Review - Missing | Missing Appraisal Desk Review for property located at : XXX | XXX: Uploaded | 04/17/2025 | XXX: Received | 4/17/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125044 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/03/2025 | Resolved | 40009758-2774 | Credit | Appraisal Review - Missing | Missing Appraisal Desk Review for property located at : XXX | XXX: Uploaded | 04/17/2025 | XXX: Received | 4/17/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125044 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/03/2025 | Resolved | 40009758-2774 | Credit | Appraisal Review - Missing | Missing Appraisal Desk Review for property located at : XXX | XXX: Uploaded | 04/17/2025 | XXX: Received | 4/17/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125045 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/03/2025 | Resolved | 40009760-2771 | Credit | Missing Articles of Organization/Incorporation | Missing Articles of Organization/Incorporation for borrowing entity | XXX: Uploaded | 04/09/2025 | XXX: Received | 4/9/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125045 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/03/2025 | Resolved | 40009760-2775 | Credit | Appraisal Review - Missing | Missing Appraisal Desk Review for property located at : XXX | XXX: Uploaded | 04/17/2025 | XXX: Received | 4/17/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125045 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/03/2025 | Resolved | 40009760-2775 | Credit | Appraisal Review - Missing | Missing Appraisal Desk Review for property located at : XXX | XXX: Uploaded | 04/17/2025 | XXX: Received | 4/17/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125034 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 07/21/2025 | Resolved | 40009762 | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125034 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 07/21/2025 | Resolved | 40009762 | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125067 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/09/2025 | Resolved | 40009769-2815 | Property | Appraisal Review - Missing | Missing Appraisal Desk Review for property located at : XXX | XXX: Uploaded | 04/17/2025 | XXX: Received | 4/17/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125067 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/09/2025 | Resolved | 40009769-2815 | Property | Appraisal Review - Missing | Missing Appraisal Desk Review for property located at : XXX | XXX: Uploaded | 04/17/2025 | XXX: Received | 4/17/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125035 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 07/21/2025 | Resolved | 40009775 | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125035 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 07/21/2025 | Resolved | 40009775 | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125068 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 07/21/2025 | Resolved | 40009786 | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125068 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 07/21/2025 | Resolved | 40009786 | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125069 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 07/21/2025 | Resolved | 40009787 | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125069 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 07/21/2025 | Resolved | 40009787 | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125070 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 07/21/2025 | Resolved | 40009789 | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125070 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 07/21/2025 | Resolved | 40009789 | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125036 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 07/21/2025 | Resolved | 40009800 | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125036 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 07/21/2025 | Resolved | 40009800 | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125046 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/03/2025 | Resolved | 40009801-2768 | Property | Desk Review Variance > 10% | Appraisal Review Variance of - XXX% > - XXX% Per Guidelines | XXX: Uploaded | 04/17/2025 | XXX: Received | 4/17/2025 | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125046 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 07/21/2025 | Resolved | 40009801 | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125071 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/09/2025 | Resolved | 40009802-2786 | Credit | Appraisal Review - Missing | Missing Appraisal Desk Review for property located at : XXX |  | 04/17/2025 | XXX: Received | 4/17/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125071 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/09/2025 | Resolved | 40009802-2786 | Credit | Appraisal Review - Missing | Missing Appraisal Desk Review for property located at : XXX | XXX | 04/17/2025 | XXX: Received | 4/17/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125100 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/18/2025 | Resolved | 40009806-2827 | Property | Appraisal Review - Missing | Missing Appraisal Desk Review for property located at : XXX | XXX: Uploaded | 04/21/2025 | XXX: Received | 4/21/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125100 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/18/2025 | Resolved | 40009806-2827 | Property | Appraisal Review - Missing | Missing Appraisal Desk Review for property located at : XXX | XXX: Uploaded | 04/21/2025 | XXX: Received | 4/21/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125101 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/18/2025 | Resolved | 40009808-2828 | Property | Appraisal Review - Missing | Missing Appraisal Desk Review for property located at : XXX | XXX: Uploaded | 04/21/2025 | XXX: Received | 4/21/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125101 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/18/2025 | Resolved | 40009808-2828 | Property | Appraisal Review - Missing | Missing Appraisal Desk Review for property located at : XXX | XXX: Uploaded | 04/21/2025 | XXX: Received | 4/21/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125102 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/18/2025 | Resolved | 40009812-2829 | Property | Appraisal Review - Missing | Missing Appraisal Desk Review for property located at : XXX | XXX: Uploaded | 04/21/2025 | XXX: Received | 4/21/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125102 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/18/2025 | Resolved | 40009812-2829 | Property | Appraisal Review - Missing | Missing Appraisal Desk Review for property located at : XXX | XXX: Uploaded | 04/21/2025 | XXX: Received | 4/21/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125047 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/03/2025 | Resolved | 40009821-2765 | Property | Appraisal Review - Missing | Missing Appraisal Desk Review for property located at : XXX | XXX: Uploaded | 04/17/2025 | XXX: Received | 4/17/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125047 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 07/21/2025 | Resolved | 40009821 | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125037 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 03/26/2025 | Resolved | 40009834-2755 | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125037 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 07/21/2025 | Resolved | 40009834 | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125048 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/03/2025 | Resolved | 40009836-2769 | Property | Appraisal Review - Missing | Missing Appraisal Desk Review for property located at : XXX | XXX: Uploaded | 04/17/2025 | XXX: Received | 4/17/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125048 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 07/21/2025 | Resolved | 40009836 | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125028 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 07/21/2025 | Resolved | 40009842 | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125028 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 07/21/2025 | Resolved | 40009842 | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125049 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 07/21/2025 | Resolved | 40009843 | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125049 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 07/21/2025 | Resolved | 40009843 | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125039 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 03/26/2025 | Resolved | 40009854-2757 | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125039 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 07/21/2025 | Resolved | 40009854 | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125050 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 07/21/2025 | Resolved | 40009860 | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125050 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 07/21/2025 | Resolved | 40009860 | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125051 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/03/2025 | Resolved | 40009864-2766 | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125051 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 07/21/2025 | Resolved | 40009864 | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125072 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/09/2025 | Resolved | 40009866-2802 | Property | Appraisal Review - Missing | Missing Appraisal Desk Review for property located at : XXX | XXX: Uploaded | 04/17/2025 | XXX: Received | 4/17/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125072 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/09/2025 | Resolved | 40009866-2802 | Property | Appraisal Review - Missing | Missing Appraisal Desk Review for property located at : XXX | XXX: Uploaded | 04/17/2025 | XXX: Received | 4/17/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125040 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 03/26/2025 | Resolved | 40009875-2754 | Property | Appraisal Review - Missing | Missing Appraisal Desk Review for property located at : XXX | XXX: Uploaded | 04/17/2025 | XXX: Received | 4/17/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125040 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 07/21/2025 | Resolved | 40009875 | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125073 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/09/2025 | Resolved | 40009890-2810 | Property | Appraisal Review - Missing | Missing Appraisal Desk Review for property located at : XXX | XXX: Uploaded | 04/17/2025 | XXX: Received | 4/17/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125073 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/09/2025 | Resolved | 40009890-2810 | Property | Appraisal Review - Missing | Missing Appraisal Desk Review for property located at : XXX | XXX: Uploaded | 04/17/2025 | XXX: Received | 4/17/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125052 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/03/2025 | Resolved | 40009891-2767 | Property | Appraisal Review - Missing | Missing Appraisal Desk Review for property located at : XXX | XXX: Uploaded | 04/17/2025 | XXX: Received | 4/17/2025 | D B A C | N/A | N/A D C | N/A D C | N/A D C | N/A D C | N/A D C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| XXXXX | 9125052 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/03/2025 | Acknowledged | 40009891-2777 | Credit | Asset Documentation Missing or Defective | Statements verified by Fraud Detection have a score < XXX | XXX: Items flagging are promotionary items, every other Statement run through ocrolus pass with no flags, borrower has good credit and $XXXMM | 04/08/2025 | XXX: Waived | 4/8/2025 | Fico XXX+ Min, Strong Reserves D B C A | N/A | N/A D C | N/A D C | N/A D C | N/A D C | N/A D C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| XXXXX | 9125052 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/03/2025 | Acknowledged | 40009891-2777 | Credit | Asset Documentation Missing or Defective | Statements verified by Fraud Detection have a score < XXX | XXX: Items flagging are promotionary items, every other Statement run through ocrolus pass with no flags, borrower has good credit and $XXXMM | 04/08/2025 | XXX: Waived | 4/8/2025 | Fico XXX+ Min, Strong Reserves D B C A | N/A | N/A D C | N/A D C | N/A D C | N/A D C | N/A D C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| XXXXX | 9125053 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/03/2025 | Resolved | 40009910-2773 | Property | Desk Review Variance > 10% | Appraisal Review Variance of - XXX% > - XXX% Per Guidelines | XXX: Uploaded | 04/22/2025 | XXX: Received | 4/22/2025 | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125053 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 07/21/2025 | Resolved | 40009910 | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125103 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 07/21/2025 | Resolved | 40009915 | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125103 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 07/21/2025 | Resolved | 40009915 | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125054 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 07/21/2025 | Resolved | 40009917 | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125054 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 07/21/2025 | Resolved | 40009917 | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125074 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/09/2025 | Resolved | 40009938-2805 | Property | Appraisal Review - Missing | Missing Appraisal Desk Review for property located at : XXX | XXX: Uploaded | 04/17/2025 | XXX: Received | 4/17/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125074 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/09/2025 | Resolved | 40009938-2805 | Property | Appraisal Review - Missing | Missing Appraisal Desk Review for property located at : XXX | XXX: Uploaded | 04/17/2025 | XXX: Received | 4/17/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125075 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/09/2025 | Resolved | 40009939-2808 | Property | Appraisal Review - Missing | Missing Appraisal Desk Review for property located at : XXX | XXX: Uploaded | 04/17/2025 | XXX: Received | 4/17/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125075 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/09/2025 | Resolved | 40009939-2808 | Property | Appraisal Review - Missing | Missing Appraisal Desk Review for property located at : XXX | XXX: Uploaded | 04/17/2025 | XXX: Received | 4/17/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125076 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/09/2025 | Resolved | 40009954-2779 | Credit | Appraisal Review - Missing | Missing Appraisal Desk Review for property located at : XXX | XXX: Uploaded | 04/17/2025 | XXX: Received | 4/17/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125076 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/09/2025 | Resolved | 40009954-2779 | Credit | Appraisal Review - Missing | Missing Appraisal Desk Review for property located at : XXX | XXX: Uploaded | 04/17/2025 | XXX: Received | 4/17/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125077 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/09/2025 | Resolved | 40009961-2780 | Credit | Appraisal Review - Missing | Missing Appraisal Desk Review for property located at : XXX | XXX: Uploaded | 04/17/2025 | XXX: Received | 4/17/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125077 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/09/2025 | Resolved | 40009961-2780 | Credit | Appraisal Review - Missing | Missing Appraisal Desk Review for property located at : XXX | XXX: Uploaded | 04/17/2025 | XXX: Received | 4/17/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125078 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/09/2025 | Resolved | 40009962-2781 | Credit | Appraisal Review - Missing | Missing Appraisal Desk Review for property located at : XXX | XXX: Uploaded | 04/17/2025 | XXX: Received | 4/17/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125078 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/09/2025 | Resolved | 40009962-2781 | Credit | Appraisal Review - Missing | Missing Appraisal Desk Review for property located at : XXX | XXX: Uploaded | 04/17/2025 | XXX: Received | 4/17/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125079 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/09/2025 | Resolved | 40009966-2782 | Credit | Appraisal Review - Missing | Missing Appraisal Desk Review for property located at : XXX | XXX: Uploaded | 04/17/2025 | XXX: Received | 4/17/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125079 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/09/2025 | Resolved | 40009966-2782 | Credit | Appraisal Review - Missing | Missing Appraisal Desk Review for property located at : XXX | XXX: Uploaded | 04/17/2025 | XXX: Received | 4/17/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125080 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/09/2025 | Resolved | 40009973-2783 | Credit | Appraisal Review - Missing | Missing Appraisal Desk Review for property located at : XXX | XXX: Uploaded | 04/17/2025 | XXX: Received | 4/17/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125080 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/09/2025 | Resolved | 40009973-2783 | Credit | Appraisal Review - Missing | Missing Appraisal Desk Review for property located at : XXX | XXX: Uploaded | 04/17/2025 | XXX: Received | 4/17/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125081 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/09/2025 | Resolved | 40009977-2789 | Credit | Appraisal Review - Missing | Missing Appraisal Desk Review for property located at : XXX | XXX: Uploaded | 04/17/2025 | XXX: Received | 4/17/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125081 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/09/2025 | Resolved | 40009977-2789 | Credit | Appraisal Review - Missing | Missing Appraisal Desk Review for property located at : XXX | XXX: Uploaded | 04/17/2025 | XXX: Received | 4/17/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125082 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/09/2025 | Resolved | 40009993-2793 | Credit | Appraisal Review - Missing | Missing Appraisal Desk Review for property located at : XXX | XXX: Uploaded | 04/17/2025 | XXX: Received | 4/17/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125082 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/09/2025 | Resolved | 40009993-2793 | Credit | Appraisal Review - Missing | Missing Appraisal Desk Review for property located at : XXX | XXX: Uploaded | 04/17/2025 | XXX: Received | 4/17/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125104 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/18/2025 | Resolved | 40009997-2835 | Credit | Appraisal Review - Missing | Missing Appraisal Desk Review for property located at : XXX | XXX: Uploaded | 04/23/2025 | XXX: Received | 4/23/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125104 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/18/2025 | Resolved | 40009997-2835 | Credit | Appraisal Review - Missing | Missing Appraisal Desk Review for property located at : XXX | XXX: Uploaded | 04/23/2025 | XXX: Received | 4/23/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125083 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/09/2025 | Resolved | 40010001-2797 | Property | Appraisal Review - Missing | Missing Appraisal Desk Review for property located at : XXX | XXX: Uploaded | 04/17/2025 | XXX: Received | 4/17/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125083 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/09/2025 | Resolved | 40010001-2797 | Property | Appraisal Review - Missing | Missing Appraisal Desk Review for property located at : XXX | XXX: Uploaded | 04/17/2025 | XXX: Received | 4/17/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125084 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/09/2025 | Resolved | 40010010-2787 | Credit | Appraisal Review - Missing | Missing Appraisal Desk Review for property located at : XXX | XXX: Uploaded | 04/17/2025 | XXX: Received | 4/17/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125084 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/09/2025 | Resolved | 40010010-2787 | Credit | Appraisal Review - Missing | Missing Appraisal Desk Review for property located at : XXX | XXX: Uploaded | 04/17/2025 | XXX: Received | 4/17/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125086 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/09/2025 | Resolved | 40010022-2796 | Property | Appraisal Review - Missing | Missing Appraisal Desk Review for property located at : XXX | XXX: Uploaded | 04/17/2025 | XXX: Received | 4/17/2025 | D B A C | N/A | N/A D C | N/A D C | N/A D C | N/A D C | N/A D C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| XXXXX | 9125086 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/09/2025 | Acknowledged | 40010022-2795 | Credit | Minimum Loan Amount Not Met | Loan amount > $XXX Minimum required | XXX: Uploaded exception | 04/17/2025 | XXX: Waived | 4/17/2025 | Fico XXX+ Min, Strong Reserves D B C A | N/A | N/A D C | N/A D C | N/A D C | N/A D C | N/A D C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| XXXXX | 9125086 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/09/2025 | Resolved | 40010022-2796 | Property | Appraisal Review - Missing | Missing Appraisal Desk Review for property located at : XXX | XXX: Uploaded | 04/17/2025 | XXX: Received | 4/17/2025 | D B A C | N/A | N/A D C | N/A D C | N/A D C | N/A D C | N/A D C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| XXXXX | 9125087 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/09/2025 | Resolved | 40010025-2798 | Property | Appraisal Review - Missing | Missing Appraisal Desk Review for property located at :XXX | XXX: Uploaded | 04/17/2025 | XXX: Received | 4/17/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125087 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/09/2025 | Resolved | 40010025-2798 | Property | Appraisal Review - Missing | Missing Appraisal Desk Review for property located at :XXX | XXX: Uploaded | 04/17/2025 | XXX: Received | 4/17/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125088 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/09/2025 | Resolved | 40010035-2799 | Property | Appraisal Review - Missing | Missing Appraisal Desk Review for property located at XXX | XXX: Uploaded | 04/17/2025 | XXX: Received | 4/17/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125088 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/09/2025 | Resolved | 40010035-2799 | Property | Appraisal Review - Missing | Missing Appraisal Desk Review for property located at XXX | XXX: Uploaded | 04/17/2025 | XXX: Received | 4/17/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125089 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/09/2025 | Resolved | 40010037-2800 | Property | Appraisal Review - Missing | Missing Appraisal Desk Review for property located at XXX | XXX: Uploaded | 04/17/2025 | XXX: Received | 4/17/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125089 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/09/2025 | Resolved | 40010037-2800 | Property | Appraisal Review - Missing | Missing Appraisal Desk Review for property located at XXX | XXX: Uploaded | 04/17/2025 | XXX: Received | 4/17/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125090 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 07/21/2025 | Resolved | 40010053 | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125090 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 07/21/2025 | Resolved | 40010053 | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125091 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/09/2025 | Resolved | 40010054-2803 | Property | Appraisal Review - Missing | Missing Appraisal Desk Review for property located at : XXX | XXX: Uploaded | 04/17/2025 | XXX: Received | 4/17/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125091 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/09/2025 | Resolved | 40010054-2804 | Property | Appraisal Review - Missing | Missing Appraisal Desk Review for property located at :XXX | XXX: Uploaded | 04/17/2025 | XXX: Received | 4/17/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125091 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/09/2025 | Resolved | 40010054-2806 | Property | Appraisal Review - Missing | Missing Appraisal Desk Review for property located at :XXX | XXX: Uploaded | 04/17/2025 | XXX: Received | 4/17/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125091 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/09/2025 | Resolved | 40010054-2803 | Property | Appraisal Review - Missing | Missing Appraisal Desk Review for property located at : XXX | XXX: Uploaded | 04/17/2025 | XXX: Received | 4/17/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125091 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/09/2025 | Resolved | 40010054-2804 | Property | Appraisal Review - Missing | Missing Appraisal Desk Review for property located at :XXX | XXX: Uploaded | 04/17/2025 | XXX: Received | 4/17/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125091 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/09/2025 | Resolved | 40010054-2806 | Property | Appraisal Review - Missing | Missing Appraisal Desk Review for property located at :XXX | XXX: Uploaded | 04/17/2025 | XXX: Received | 4/17/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125092 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/09/2025 | Resolved | 40010059-2818 | Property | Appraisal Review - Missing | Missing Appraisal Desk Review for property located at : XXX | XXX: Uploaded | 04/17/2025 | XXX: Received | 4/17/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125092 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/09/2025 | Resolved | 40010059-2818 | Property | Appraisal Review - Missing | Missing Appraisal Desk Review for property located at : XXX | XXX: Uploaded | 04/17/2025 | XXX: Received | 4/17/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125055 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 07/21/2025 | Resolved | 40010079 | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125055 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 07/21/2025 | Resolved | 40010079 | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125105 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 07/21/2025 | Resolved | 40010096 | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125105 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 07/21/2025 | Resolved | 40010096 | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125106 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/18/2025 | Resolved | 40010097-2832 | Property | Appraisal Review - Missing | Missing Appraisal Desk Review for property located at : XXX | XXX: Uploaded | 04/21/2025 | XXX: Received | 4/21/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125106 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/18/2025 | Resolved | 40010097-2833 | Property | Appraisal Missing or Defective | Missing Appraisal for property located at : XXX | XXX: Uploaded | 04/21/2025 | XXX: Received | 4/21/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125106 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/18/2025 | Resolved | 40010097-2834 | Property | Subject Property Lease - Missing or Defective | Missing Lease Agreement for property located at: XXX | XXX: Uploaded Market Rent | 04/21/2025 | XXX: Received | 4/21/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125106 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/18/2025 | Resolved | 40010097-2836 | Credit | Market Rent - Missing or Defective | Provided market rent range report file is damaged. Missing Market Rent for property located at: XXX | XXX: Uploaded | 04/21/2025 | XXX: Received | 4/21/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125106 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/18/2025 | Resolved | 40010097-2837 | Credit | Hazard Insurance | Hazard Insurance Missing or Defective for property located at : XXX | XXX: Uploaded | 04/21/2025 | XXX: Received | 4/21/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125106 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/18/2025 | Resolved | 40010097-2832 | Property | Appraisal Review - Missing | Missing Appraisal Desk Review for property located at : XXX | XXX: Uploaded | 04/21/2025 | XXX: Received | 4/21/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125106 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/18/2025 | Resolved | 40010097-2833 | Property | Appraisal Missing or Defective | Missing Appraisal for property located at : XXX | XXX: Uploaded | 04/21/2025 | XXX: Received | 4/21/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125106 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/18/2025 | Resolved | 40010097-2834 | Property | Subject Property Lease - Missing or Defective | Missing Lease Agreement for property located at: XXX | XXX: Uploaded Market Rent | 04/21/2025 | XXX: Received | 4/21/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125106 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/18/2025 | Resolved | 40010097-2836 | Credit | Market Rent - Missing or Defective | Provided market rent range report file is damaged. Missing Market Rent for property located at: XXX | XXX: Uploaded | 04/21/2025 | XXX: Received | 4/21/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125106 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/18/2025 | Resolved | 40010097-2837 | Credit | Hazard Insurance | Hazard Insurance Missing or Defective for property located at : XXX | XXX: Uploaded | 04/21/2025 | XXX: Received | 4/21/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125107 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/18/2025 | Resolved | 40010103-2831 | Credit | Insufficient Assets to Close | Insufficient Liquidity \| Verified assets of $XXX are less than minimum required of $XXX. Borrower short - $XXX | XXX: Uploaded | 04/21/2025 | XXX: Received | 1/0/1900 | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125107 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/18/2025 | Resolved | 40010103-2831 | Credit | Insufficient Assets to Close | Insufficient Liquidity \| Verified assets of $XXX are less than minimum required of $XXX. Borrower short - $XXX | XXX: Uploaded | 04/21/2025 | XXX: Received | 4/21/2025 | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125108 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/18/2025 | Resolved | 40010117-2825 | Property | Appraisal Review - Missing | Missing Appraisal Desk Review for property located at : XXX | XXX: Uploaded | 04/22/2025 | XXX: Received | 4/22/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125108 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/18/2025 | Resolved | 40010117-2825 | Property | Appraisal Review - Missing | Missing Appraisal Desk Review for property located at : XXX | XXX: Uploaded | 04/22/2025 | XXX: Received | 4/22/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125093 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/09/2025 | Resolved | 40010129-2819 | Property | Appraisal Review - Missing | Missing Appraisal Desk Review for property located at : XXX | XXX: Uploaded | 04/17/2025 | XXX: Received | 4/17/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125093 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/09/2025 | Resolved | 40010129-2819 | Property | Appraisal Review - Missing | Missing Appraisal Desk Review for property located at : XXX | XXX: Uploaded | 04/17/2025 | XXX: Received | 4/17/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125094 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/09/2025 | Resolved | 40010135-2820 | Property | Appraisal Review - Missing | Missing Appraisal Desk Review for property located at : XXX | XXX: Uploaded | 04/17/2025 | XXX: Received | 4/17/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125094 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/09/2025 | Resolved | 40010135-2820 | Property | Appraisal Review - Missing | Missing Appraisal Desk Review for property located at : XXX | XXX: Uploaded | 04/17/2025 | XXX: Received | 4/17/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125095 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/09/2025 | Resolved | 40010136-2821 | Property | Appraisal Review - Missing | Missing Appraisal Desk Review for property located at : XXX | XXX: Uploaded | 04/17/2025 | XXX: Received | 4/17/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125095 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/09/2025 | Resolved | 40010136-2821 | Property | Appraisal Review - Missing | Missing Appraisal Desk Review for property located at : XXX | XXX: Uploaded | 04/17/2025 | XXX: Received | 4/17/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125096 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/09/2025 | Resolved | 40010137-2801 | Property | Appraisal Review - Missing | Missing Appraisal Desk Review for property located at : XXX | XXX: Uploaded | 04/17/2025 | XXX: Received | 4/17/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125096 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/09/2025 | Resolved | 40010137-2801 | Property | Appraisal Review - Missing | Missing Appraisal Desk Review for property located at : XXX | XXX: Uploaded | 04/17/2025 | XXX: Received | 4/17/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125109 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/18/2025 | Resolved | 40010146-2842 | Credit | Asset Documentation Missing or Defective | Missing Evidence of Assets | XXX: Uploaded | 04/22/2025 | XXX: Received | 4/22/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125109 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/18/2025 | Resolved | 40010146-2842 | Credit | Asset Documentation Missing or Defective | Missing Evidence of Assets | XXX: Uploaded | 04/22/2025 | XXX: Received | 4/22/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125109 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/18/2025 | Resolved | 40010146-2843 | Credit | Credit Documentation Missing or Defective | Missing evidence of enitre Credit documentations. Background, Credit Report, Appraisal/Review, Lease etc. | XXX: Uploaded | 04/22/2025 | XXX: Received | 4/22/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125109 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/18/2025 | Resolved | 40010146-2844 | Property | Appraisal Review - Missing | Missing Appraisal Desk Review for property | XXX: Uploaded | 04/23/2025 | XXX: Received | 4/23/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125098 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/09/2025 | Resolved | 40010204-2811 | Property | Flood Certification/Determination - Missing | Missing Flood Certification for property located at : XXX | XXX: No flood insurance is required. | 04/17/2025 | XXX: Received XXX: Flood Cert is required for all loans to determine flood zone. | 4/17/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125098 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/09/2025 | Resolved | 40010204-2812 | Property | Appraisal Review - Missing | Missing Appraisal Desk Review for property located at :XXX | XXX: Uploaded | 04/17/2025 | XXX: Received | 4/17/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125098 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/09/2025 | Resolved | 40010204-2811 | Property | Flood Certification/Determination - Missing | Missing Flood Certification for property located at : XXX | XXX: No flood insurance is required. | 04/17/2025 | XXX: Received XXX: Flood Cert is required for all loans to determine flood zone. | 4/17/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125098 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/09/2025 | Resolved | 40010204-2812 | Property | Appraisal Review - Missing | Missing Appraisal Desk Review for property located at :XXX | XXX: Uploaded | 04/17/2025 | XXX: Received | 4/17/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125111 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 07/21/2025 | Resolved | 40010208 | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125111 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 07/21/2025 | Resolved | 40010208 | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125112 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 07/21/2025 | Resolved | 40010225 | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125112 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 07/21/2025 | Resolved | 40010225 | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125099 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/09/2025 | Resolved | 40010229-2816 | Property | Appraisal Review - Missing | Missing Appraisal Desk Review for property located at : XXX | XXX: Uploaded | 04/17/2025 | XXX: Received | 4/17/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125099 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/09/2025 | Resolved | 40010229-2816 | Property | Appraisal Review - Missing | Missing Appraisal Desk Review for property located at : XXX | XXX: Uploaded | 04/17/2025 | XXX: Received | 4/17/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125113 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/18/2025 | Resolved | 40010283-2830 | Property | Appraisal Review - Missing | Missing Appraisal Desk Review for property located at : XXX | XXX: Uploaded | 04/21/2025 | XXX: Received | 4/21/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125113 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/18/2025 | Resolved | 40010283-2830 | Property | Appraisal Review - Missing | Missing Appraisal Desk Review for property located at : XXX | XXX: Uploaded | 04/21/2025 | XXX: Received | 4/21/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125114 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/18/2025 | Resolved | 40010285-2840 | Property | Appraisal Review - Missing | Missing Appraisal Desk Review for property located at : XXX | XXX: Uploaded | 04/21/2025 | XXX: Received | 4/21/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125114 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/18/2025 | Resolved | 40010285-2841 | Property | Appraisal Review - Missing | Missing Appraisal Desk Review for property located at : XXX | XXX: Uploaded | 04/21/2025 | XXX: Received | 4/21/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125114 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/18/2025 | Resolved | 40010285-2840 | Property | Appraisal Review - Missing | Missing Appraisal Desk Review for property located at : XXX | XXX: Uploaded | 04/21/2025 | XXX: Received | 4/21/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125114 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/18/2025 | Resolved | 40010285-2841 | Property | Appraisal Review - Missing | Missing Appraisal Desk Review for property located at : XXX | XXX: Uploaded | 04/21/2025 | XXX: Received | 4/21/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125115 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/18/2025 | Resolved | 40010313-2838 | Property | Appraisal Review - Missing | Missing Appraisal Desk Review for property located at : XXX | XXX: Uploaded | 04/23/2025 | XXX: Received | 4/23/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125115 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/18/2025 | Resolved | 40010313-2839 | Property | Hazard Insurance | Hazard Insurance Missing or Defective for property located at :XXX | XXX: Uploaded | 04/22/2025 | XXX: Received | 4/22/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125115 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/18/2025 | Resolved | 40010313-2838 | Property | Appraisal Review - Missing | Missing Appraisal Desk Review for property located at : XXX | XXX: Uploaded | 04/23/2025 | XXX: Received | 4/23/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125115 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/18/2025 | Resolved | 40010313-2839 | Property | Hazard Insurance | Hazard Insurance Missing or Defective for property located at :XXX | XXX: Uploaded | 04/22/2025 | XXX: Received | 4/22/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9066813 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 03/13/2025 | Acknowledged | 8692484652 | Credit | Missing Payment History | Missing cancelled checks or the XXX transaction history; Mortgage being paid off is not reporting on the credit report. | Exception approval to use VOM | 05/27/2025 | XXX: Received exception approval XXX: Per section XXX of XXX, if the mortgage being paid off is not reporting on the credit report, cancelled checks or the XXX transaction history is required. If cancelled checks or XXX transaction history cannot be provided, the borrower must have minimum XXX months reserves, and cash out is ineligible. XXX: Per UWG guidelines section XXX Account Statements should cover most recent XXX-day period. Assets reflected only $XXX | 3/25/2025 | C B A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| XXXXX | 9127992 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/24/2025 | Resolved | 9002744180 | Credit | Asset Documentation Missing or Defective | Missing asset documentation | XX/XX/XXXX: March bank Statement uploaded for review Please review bank Statement. | 05/22/2025 | XXX: Received XXX: Please provide full additional bank Statements to cover assets needed. XXX: Bank Statement received however, insufficient assets to close. $XXX verified assets, minimum of $XXX total liquidity is required. | 5/27/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9127877 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 05/02/2025 | Resolved | 2504153314-1 | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9127749 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 05/05/2025 | Resolved | 2503151741-1 | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9127749 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 05/05/2025 | Resolved | 2503151741-1 | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9184614 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 05/06/2025 | Resolved | 2503149982-1 | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9127806 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 05/07/2025 | Resolved | 2503152604-1 | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9127938 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 05/08/2025 | Resolved | 9102471431 | Credit | Insufficient Assets to Close | $XXX assets < $XXX minimum liquidity required. Please provide additional assets. | XX/XX/XXXX - doc uploaded | 05/09/2025 | XXX: Received XXX: Seller credit is already factored into the buyer's closing costs XXX: Seller credit is not reflected on the Final SS. | 6/4/2025 | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9184618 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 05/12/2025 | Resolved | 2503151787-1 | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9127686 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 05/12/2025 | Resolved | 2503149583-1 | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9127921 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 05/13/2025 | Resolved | 9142148228 | Property | Appraisal Review - Missing | Missing Appraisal Review for property located at : XXX | Please review CDA. | 05/28/2025 | XXX: CDA received. | 5/28/2025 | D A C | N/A | N/A D C | N/A D C | N/A D C | N/A D C | N/A D C | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9127921 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 05/13/2025 | Resolved | 9142145546 | Credit | Insufficient Assets to Close | $XXX assets < $XXX minimum liquidity required. Please provide additional assets. | Please review cash to borrower. | 05/21/2025 | XXX: Received | 5/27/2025 | D A C | N/A | N/A D C | N/A D C | N/A D C | N/A D C | N/A D C | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9127941 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 05/14/2025 | Resolved | 2504153893-1 | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9127667 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 05/15/2025 | Resolved | 9161123724 | Credit | Asset Documentation Missing or Defective | Missing Bank Statements, please provide updated bank Statements | Docs uploaded | 05/23/2025 | XXX: Received XXX: Guides/Matrix require minimum XXX month reserve requirement. | 5/27/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9127667 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 05/15/2025 | Resolved | 9161380326 | Credit | Title Insurance Missing or Defective | Lender's name on provided Title Commitment, "XXX", does not match lender's name per Note, "XXX". Please provide updated title insurance with the correct lender as XXX | Docs uploaded | 05/16/2025 | Received | 5/20/2025 | D A C | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9127956 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 05/20/2025 | Resolved | 2504153999-1 | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9127973 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 05/30/2025 | Resolved | 9262106994 | Credit | Property Listed for Sale on Refinance Transaction | Subject property is listed for sale. Property listing must be fully removed/withdrawn prior to closing | XX/XX/XXXX-Please review. Property not listed. | 06/03/2025 | XXX: Received | 6/3/2025 | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9127681 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 05/30/2025 | Resolved | 2503149275-01 | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9127987 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 05/30/2025 | Resolved | 2504154210-01 | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9127669 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 06/02/2025 | Resolved | 2502147461-1 | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9184612 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 06/02/2025 | Resolved | 2502146358-1 | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9127933 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 06/02/2025 | Resolved | 2504153847-1 | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9127948 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 06/03/2025 | Resolved | 2504153920-1 | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9127967 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 06/05/2025 | Resolved | 2504154093-1 | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9127968 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 06/05/2025 | Resolved | 2504154095-1 | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9127979 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 06/05/2025 | Resolved | 9313816934 | Credit | Note Missing or Defective | 3rd page is missing in Note document, Please provide updated note document | XX/XX/XXXX-Please review. XX/XX/XXXX-Note uploaded. | 06/10/2025 | XXX: Received | 6/10/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9127970 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 06/09/2025 | Resolved | 2504154097-1 | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9127662 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 06/18/2025 | Resolved | 9404859389 | Credit | Insufficient Assets to Close | $XXX Assets < $XXX minimum liquidity required. Please provide additional assets. | XX/XX/XXXX-Hi, they refi on their primary and they used that fund for this purchase. $XXX from the Refi was transfer to this purchase so they just had to come in with $XXX to close. | 06/19/2025 | XXX: Received trailing docs | 6/20/2025 | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9127829 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 06/18/2025 | Resolved | 2504152826-1 | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9184625 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 06/25/2025 | Resolved | 2505157813-1 | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9014913 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 12/24/2024 | Resolved | 2409131425-1 | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 8995839 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 12/30/2024 | Resolved | 2411138238-1 | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9066760 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 03/03/2025 | Resolved | 2501145171-1 | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9066894 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 03/07/2025 | Resolved | 2502146987-1 | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9066931 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/08/2025 | Resolved | 2502147190-1 | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9127790 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/22/2025 | Resolved | 2503152474-1 | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9162705 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/07/2025 | Resolved | 92400179661-01 | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9133556 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/23/2025 | Resolved | 92300180878-01 | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9133533 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/23/2025 | Resolved | 92400180357-01 | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9133678 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/24/2025 | Resolved | 9000757196 | Credit | Background Check Missing or Defective | Missing Background report For Guarantor: XXX. | Uploaded | 05/01/2025 | Received | 5/1/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9133903 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/24/2025 | Resolved | 9001483923 | Property | Subject Property Lease - Missing or Defective | Missing Lease agreement property located at : XXX | XXX | 05/12/2025 | XXX: Received Lease Agreement. Lease rent on XXX | 5/12/2025 | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9133903 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/24/2025 | Resolved | 9001647084 | Property | Appraisal Aged | Property "As is" value dated XX/XX/XXXX on XXX appraisal. Please provide an updated appraisal report. | XXX | 04/29/2025 | XXX: Updated appraisal received | 4/29/2025 | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9133616 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/25/2025 | Resolved | 92400181958-01 | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9133975 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/29/2025 | Resolved | 9030591422 | Credit | Title Insurance Missing or Defective | Entity name vested on title commitment: XXX, does not match entity listed on Mortgage and Note: XXX. The entity name is required to match on all closing documents, please upload updated title. | New doc uploaded XXX. | 05/15/2025 | XXX: Received | 5/15/2025 | C A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9133766 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/29/2025 | Resolved | 9032699781 | Credit | Closing Documentation Missing or Defective | Missing executed closing documents. | XXX | 05/06/2025 | XXX: Received XXX: Note, mortgage and other closing docs received: still missing closing disclosure. Please upload final closing disclosure. | 5/14/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9133766 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/29/2025 | Resolved | 9033416661 | Credit | Hazard Insurance Missing or Defective | Missing executed hazard insurance. Insurance in file is a quote and MISSING MORTGAGEe clause. | XXX | 05/06/2025 | XXX: Received hazard insurance | 5/8/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9133631 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 05/01/2025 | Resolved | 9051651783 | Credit | Closing Documentation Missing or Defective | Missing Prepayment Addendum. Closing Disclosure in file indicates that there is a prepayment penalty. | XXX | 05/02/2025 | XXX: Received | 5/2/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9133751 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 05/05/2025 | Resolved | 92400180645-01 | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9133531 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 05/06/2025 | Resolved | 90000177072-01 | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9133684 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 05/06/2025 | Resolved | 9083770214 | Credit | Closing Documentation Missing or Defective | Missing all executed Closing Documents - Mortgage, Note, Riders, etc... | XXX: signed documents for review | 05/09/2025 | XXX: Executed closing documents received. | 5/12/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9133538 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 05/06/2025 | Resolved | 92010180988-01 | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9133685 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 05/06/2025 | Resolved | 9084290062 | Credit | Closing Documentation Missing or Defective | Executed Closing Documents - Mortgage, Riders, Note & Loan Application Documents not signed. | XXX: executed note, mortgage, riders and loan application for review. | 05/09/2025 | XXX: Executed closing documents received. | 5/12/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9133610 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 05/06/2025 | Resolved | 9084432078 | Credit | Closing Documentation Missing or Defective | Executed Closing Documents - Mortgage, Riders, Note & Loan Application Documents not signed. | XXX: note, mortgage and signed XXX | 05/09/2025 | XXX: Executed closing documents received. | 5/12/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9133644 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 05/06/2025 | Resolved | 92300182637-01 | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9133535 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 05/06/2025 | Resolved | 92010179512-01 | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9133528 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 05/06/2025 | Resolved | 92010178243-01 | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9133570 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 05/06/2025 | Resolved | 92010174816-01 | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9133719 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 05/06/2025 | Resolved | 92010179934-01 | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9133668 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 05/06/2025 | Resolved | 90140177920-01 | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9133749 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 05/07/2025 | Resolved | 92400179108-01 | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9133708 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 05/07/2025 | Resolved | 92400182368-01 | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9133618 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 05/08/2025 | Resolved | 92400182439-01 | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9133609 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 05/06/2025 | Resolved | 92010181284-01 | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9133557 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 05/13/2025 | Resolved | 9142860098 | Credit | Background Check Missing or Defective | Missing Background Report. | XXX: FRAUD | 05/16/2025 | XXX: Received | 5/19/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9133557 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 05/13/2025 | Resolved | 9142860431 | Credit | Title Insurance Missing or Defective | Missing title insurance. Please upload title insurance with XXX coverage and mortgagee clause. | XXX: TITLE | 05/16/2025 | XXX: Received | 5/19/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9133557 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 05/13/2025 | Resolved | 9142860963 | Property | Appraisal Missing or Defective | Missing Appraisal Report and appraisal review. | XXX: APPRAISAL | 05/16/2025 | XXX: Received XXX: Missing appraisal review | 5/20/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9133557 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 05/13/2025 | Resolved | 9142862221 | Property | Hazard Insurance Missing or Defective | Missing hazard insurance. | XXX: INSURANCE | 05/16/2025 | XXX: Received | 5/19/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9133763 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 05/12/2025 | Resolved | 9132039236 | Property | Entity Documents Missing or Defective | Missing Appraisal | XXX | 05/13/2025 | XXX: Received | 5/16/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9133763 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 05/12/2025 | Resolved | 9132039783 | Property | Appraisal Missing or Defective | Missing Appraisal Review | XXX | 05/13/2025 | XXX: Received | 5/16/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9133595 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 05/12/2025 | Resolved | 9133846975 | Property | Appraisal Missing or Defective | Missing Appraisal | XXX | 05/13/2025 | XXX: Received | 5/16/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9133595 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 05/12/2025 | Resolved | 9133847234 | Property | Appraisal Review Missing or Defective | Missing Appraisal Review | XXX | 05/13/2025 | XXX: CU score in file | 5/16/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9133595 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 05/12/2025 | Resolved | 9133847696 | Credit | Entity Documentation - Missing or Defective | Missing operating agreement, articles of organization, good standing, etc | XXX | 05/13/2025 | XXX: Received | 5/16/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9133727 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 05/19/2025 | Resolved | 9183139930 | Credit | Entity Documentation - Missing or Defective | Missing Operating Agreement and Articles Of Organization for XXX | XXX: XXX | 05/21/2025 | XXX: Received | 5/27/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9133727 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 05/19/2025 | Resolved | 9183218581 | Credit | Background Check Missing or Defective | Missing Background Report | XXX: fraud | 05/21/2025 | XXX: Received | 5/27/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9133801 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 05/19/2025 | Resolved | 9183220332 | Credit | Background Check Missing or Defective | Missing Background Report | XXX: fraud | 05/21/2025 | XXX: Received | 5/27/2025 | D B A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| XXXXX | 9133674 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 05/19/2025 | Resolved | 9183222005 | Credit | Background Check Missing or Defective | Missing Background Report | XXX: fraud | 05/21/2025 | XXX: Received | 5/27/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9133674 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 05/19/2025 | Resolved | 9183285589 | Credit | Title Insurance Missing or Defective | Missing title insurance | XXX: titel | 05/21/2025 | XXX: Received | 5/27/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9133801 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 05/19/2025 | Resolved | 9183302885 | Credit | Title Insurance Coverage - Inadequate Coverage | $XXX title insurance coverage < $XXX minimum coverage required. | XXX: updated title | 05/21/2025 | XXX: Received | 5/27/2025 | D B C A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| XXXXX | 9133674 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 05/19/2025 | Resolved | 9183424574 | Property | Appraisal Missing or Defective | Missing Appraisal | XXX: appraisal | 05/21/2025 | XXX: Received | 5/27/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9133674 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 05/19/2025 | Resolved | 9183425279 | Property | Appraisal Review - Missing | Missing Appraisal Review | XXX: appraisal review checklist and proof delivered | 05/21/2025 | XXX: CU Score received | 5/27/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9133727 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 05/19/2025 | Resolved | 9183519718 | Property | Subject Property Lease - Missing or Defective | Missing lease agreement for the subject property : XXX | XXX: lease | 05/21/2025 | XXX: Received | 5/27/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9133801 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 05/19/2025 | Resolved | 9183625211 | Property | Appraisal Review - Missing | Missing Appraisal Review | XXX: appraisal | 05/21/2025 | XXX: Received | 5/27/2025 | D B A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| XXXXX | 9133801 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 05/19/2025 | Acknowledged | 9183627231 | Credit | Minimum Credit Trade Line Requirement Not Met | Exception request: Exception to tradeline requirement for XXX, borrower does not have XXX trades for XXX months, XXX trades at XXX months, or a mortgage reporting. Exception approved. | XXX: Exception approval in file | 05/19/2025 | XXX: Exception approval in file | 5/19/2025 | XXX months reserves greater than program requirement, Fico above the minimum by XXX points or higher D B C A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| XXXXX | 9133801 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 05/19/2025 | Resolved | 9183726491 | Property | Short Term Rental Income - Missing or Defective | Missing documentation of short term property listing. On a XXX, a screen shot of the online listing must show the property is actively marketed as a short term rental. | XXX: lease | 05/21/2025 | XXX: Received | 5/27/2025 | D B A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| XXXXX | 9133727 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 05/19/2025 | Resolved | 9184201586 | Property | Hazard Insurance Missing or Defective | Missing hazard insurance | XXX: insurance | 05/21/2025 | XXX: Received | 5/27/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9133801 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 05/19/2025 | Resolved | 9184204602 | Property | Hazard Insurance Missing or Defective | Missing hazard insurance | XXX: insurance | 05/21/2025 | XXX: Received | 5/27/2025 | D B A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| XXXXX | 9133674 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 05/19/2025 | Resolved | 9184209660 | Property | Hazard Insurance Missing or Defective | Missing hazard insurance | XXX: insurance | 05/21/2025 | XXX: Received | 5/27/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9133603 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 05/20/2025 | Resolved | 9192039966 | Credit | Background Check Missing or Defective | Missing Background Report | XXX: fraud | 05/21/2025 | XXX: Received | 5/27/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9133603 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 05/20/2025 | Resolved | 9192196752 | Credit | Closing Documentation Missing or Defective | Purchase agreement missing | XXX: purchase agreement | 05/21/2025 | XXX: Received | 5/27/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9133603 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 05/20/2025 | Resolved | 9192392673 | Credit | Asset Documentation Missing or Defective | Missing asset documentation | XXX: asset | 05/21/2025 | XXX: Received | 5/27/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9133603 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 05/20/2025 | Resolved | 9192552371 | Property | Appraisal Missing or Defective | Missing Appraisal | XXX: appraisal review | 05/21/2025 | XXX: Received | 5/27/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9133603 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 05/20/2025 | Resolved | 9192544891 | Property | Appraisal Review - Missing | Missing Appraisal Review | XXX: appraisal | 05/21/2025 | XXX: Received | 5/27/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9162678 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 05/27/2025 | Resolved | 9239492264 | Credit | Background Check Missing or Defective | Missing Background Report for both borrowers. | XXX | 05/28/2025 | XXX: Received | 5/28/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9162678 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 05/27/2025 | Resolved | 9240320414 | Property | Appraisal Review - Missing | Missing Appraisal Review | XXX | 05/28/2025 | XXX: Received | 5/28/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9162737 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 05/27/2025 | Resolved | 92300184266-01 | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9162699 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 05/30/2025 | Resolved | 9268139314 | Credit | Entity Documentation - Missing or Defective | Missing entity documents for borrower XXX, please upload Operating Agreement, EIN, Articles of Incorporation, and Certificate of Good Standing. | XXX: llc | 06/03/2025 | XXX: Received | 6/4/2025 | D B A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| XXXXX | 9162699 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 05/30/2025 | Acknowledged | 9268170456 | Credit | Excessive LTV Ratio | Exception Request: Exception to allow DSCR < XXX for XXX. Approved | XXX: Exception approval in file | 05/30/2025 | XXX: Exception approval in file | 5/30/2025 | XXX months reserves greater than program requirement, Fico above the minimum by XXX points or higher D B A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| XXXXX | 9162736 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 05/30/2025 | Resolved | 9268270010 | Credit | Entity Documentation - Missing or Defective | Missing entity documents for borrower XXX, please upload Operating Agreement, EIN, Articles of Incorporation, and Certificate of Good Standing. | XXX: llc | 06/03/2025 | XXX: Received | 6/4/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9162699 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 05/30/2025 | Resolved | 9268663454 | Credit | Background Check Missing or Defective | Missing Background Report | XXX: fraud | 06/03/2025 | XXX: Received | 6/4/2025 | D B A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| XXXXX | 9162736 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 05/30/2025 | Resolved | 9268723752 | Credit | Background Check Missing or Defective | Missing Background Report | XXX: fraud | 06/03/2025 | XXX: Received | 6/4/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9162695 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 05/30/2025 | Resolved | 9268763154 | Credit | Background Check Missing or Defective | Missing Background Report for both borrowers. | XXX: FRAUD | 06/03/2025 | XXX: Received | 6/4/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9162685 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 05/30/2025 | Resolved | 9268805004 | Credit | Background Check Missing or Defective | Missing Background Report | XXX: fraud | 06/03/2025 | XXX: Received | 6/4/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9162706 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 05/30/2025 | Resolved | 9268871415 | Credit | Background Check Missing or Defective | Missing Background Report | XXX: FRAUD | 06/03/2025 | XXX: Received | 6/4/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9162682 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 05/30/2025 | Resolved | 9268895960 | Credit | Background Check Missing or Defective | Missing Background Report | XXX: fraud | 06/03/2025 | XXX: Received | 6/4/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9162699 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 05/30/2025 | Resolved | 9269329997 | Credit | Closing Documentation Missing or Defective | Missing purchase agreement | XXX: agreement | 06/03/2025 | XXX: Received | 6/4/2025 | D B A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| XXXXX | 9162695 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 05/30/2025 | Resolved | 9269129979 | Credit | Insufficient Assets for Reserves | XXX Reserves of XXX month(s) are less than Guideline Required reserves of XXX month(s). Please provide additional assets to satisfy reserves requirement | XXX: ASSET | 06/03/2025 | XXX: Received additioanl assets | 6/4/2025 | D A C | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9162706 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 05/30/2025 | Resolved | 9268616196 | Property | Appraisal Missing or Defective | Missing Appraisal & XXX for subject property : XXX | XXX: XXX | 06/03/2025 | XXX: Received | 6/4/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9162706 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 05/30/2025 | Resolved | 9268903716 | Property | Appraisal Review Missing or Defective | Missing Appraisal Review for subject property - XXX | XXX: APPRAISAL | 06/03/2025 | XXX: Received | 6/4/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9162706 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 05/30/2025 | Resolved | 9268386056 | Property | Hazard Insurance Missing or Defective | Missing Hazard Insurance for subject property : XXX | XXX: INSURANCE | 06/03/2025 | XXX: Received | 6/4/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9162736 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 05/30/2025 | Resolved | 9268367482 | Property | Hazard Insurance Missing or Defective | Missing Hazard Insurance for subject property : XXX | XXX: insurance | 06/03/2025 | XXX: Received | 6/4/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9162682 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 05/30/2025 | Resolved | 9268907947 | Property | Appraisal Review Missing or Defective | Missing Appraisal Review for subject property - XXX | XXX: APPRAIAL AND SSR | 06/04/2025 | XXX: Received | 6/5/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9162682 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 05/30/2025 | Resolved | 9268399821 | Property | Hazard Insurance Missing or Defective | Missing Hazard Insurance for subject property : XXX | XXX: insurance | 06/03/2025 | XXX: Received | 6/4/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9162685 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 05/30/2025 | Resolved | 9268375968 | Property | Hazard Insurance Missing or Defective | Missing Hazard Insurance for subject property :XXX | XXX: hazard | 06/03/2025 | XXX: Received | 6/4/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9162682 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 05/30/2025 | Resolved | 9269206984 | Credit | Missing Asset Document | Missing Asset Documents | XXX: asset | 06/03/2025 | XXX: Received | 6/4/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9162718 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 05/30/2025 | Resolved | 9268140486 | Property | Hazard Insurance Missing or Defective | Missing Hazard Insurance for subject property :XXX | XXX: insurance | 06/03/2025 | XXX: Received | 6/3/2025 | D A C | N/A | N/A D C | N/A D C | N/A D C | N/A D C | N/A D C | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9162699 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 05/30/2025 | Resolved | 9268357057 | Property | Hazard Insurance Missing or Defective | Missing Hazard Insurance for subject property : XXX | XXX: insurance | 06/03/2025 | XXX: Received | 6/4/2025 | D B A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| XXXXX | 9162699 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 05/30/2025 | Resolved | 9269116351 | Credit | Missing Asset Document | Missing Asset Documents | XXX: asset | 06/03/2025 | XXX: Received | 6/4/2025 | D B A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| XXXXX | 9162718 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 05/30/2025 | Resolved | 9268141018 | Property | Flood Insurance Missing or Defective | Missing flood insurance for subject property:XXX. Provided flood certificate reflects subject property in a flood zone | XXX: flood | 06/03/2025 | XXX: Received | 6/3/2025 | D A C | N/A | N/A D C | N/A D C | N/A D C | N/A D C | N/A D C | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9162718 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 05/30/2025 | Resolved | 9269202613 | Credit | Insufficient Assets for Reserves | XXX Reserves of XXX month(s) are less than Guideline Required reserves of XXX month(s). Please provide additional assets to satisfy reserves requirement | XXX: asset | 06/03/2025 | XXX: Received additional assets | 6/3/2025 | D A C | N/A | N/A D C | N/A D C | N/A D C | N/A D C | N/A D C | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9162706 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 05/30/2025 | Resolved | 9269538683 | Credit | Deed Missing or Defective | MISSING CONVEYANCE DEED from XXX to XXX and XXX | XXX: WD | 06/03/2025 | XXX: Received | 6/4/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9162708 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 05/30/2025 | Resolved | 92010181813-01 | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9162685 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 05/30/2025 | Resolved | 9269137929 | Credit | Insufficient Assets for Reserves | XXX Reserves of XXX month(s) are less than Guideline Required reserves of XXX month(s). Please provide additional assets to satisfy reserves requirement | XXX: reserves | 06/03/2025 | XXX: Received additioanl assets/reserves | 6/4/2025 | D A C | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9162715 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 06/02/2025 | Resolved | 9283971793 | Credit | Deed Missing or Defective | MISSING CONVEYANCE DEED from XXX to XXX and XXX | XXX: DEED | 06/04/2025 | XXX: Received | 6/5/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9162715 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 06/02/2025 | Resolved | 9283974565 | Property | Hazard Insurance Missing or Defective | Missing Hazard Insurance for subject property : XXX | XXX: INSURANCE | 06/04/2025 | XXX: Received | 6/5/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9162715 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 06/02/2025 | Resolved | 9283977321 | Property | Appraisal Missing or Defective | Missing Appraisal & Market Rent for subject property : XXX | XXX: RENT | 06/04/2025 | XXX: Received | 6/5/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9162715 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 06/02/2025 | Resolved | 9283980458 | Property | Appraisal Review - Missing | Missing Appraisal Review for subject property - XXX | XXX: APPRAISAL | 06/04/2025 | XXX: Received | 6/5/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9162704 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 06/02/2025 | Resolved | 9284205065 | Credit | Background Check Missing or Defective | Missing Background Report | XXX: FRAUD | 06/04/2025 | XXX: Received | 6/4/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9162704 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 06/02/2025 | Resolved | 9284352438 | Credit | Asset Documentation Missing or Defective | Missing asset documentation | XXX: ASSET | 06/04/2025 | XXX: Received | 6/4/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9162704 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 06/02/2025 | Resolved | 9284488748 | Property | Hazard Insurance Missing or Defective | Missing Hazard Insurance for subject property : XXX | XXX: INSURANCE | 06/04/2025 | XXX: Received | 6/4/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9162742 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 06/02/2025 | Resolved | 9284486373 | Property | Hazard Insurance Missing or Defective | Missing Hazard Insurance for subject property : XXX | XXX: INSURANCE | 06/04/2025 | XXX: Received | 6/5/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9162736 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 05/30/2025 | Resolved | 9268933042 | Credit | Market Rent - Missing or Defective | Missing XXX for subject property : XXX | XXX: XXX | 06/03/2025 | XXX: Received | 6/4/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9162676 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 06/04/2025 | Resolved | 9305110270 | Credit | Entity Documentation - Missing or Defective | Missing entity documents for borrower XXX, please upload Operating Agreement, Articles of Incorporation, and EIN. | XX/XX/XXXX Organization docs uploaded | 06/06/2025 | XXX: Received | 6/6/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9162676 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 06/04/2025 | Resolved | 9305131847 | Credit | Background Check Missing or Defective | Missing background Report for Guarantor: XXX | XX/XX/XXXX Fraud Report uploaded | 06/06/2025 | XXX: Received | 6/6/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9162676 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 06/04/2025 | Resolved | 9305219982 | Property | Appraisal Review - Missing | Missing Appraisal Review for subject property: XXX | XX/XX/XXXX CDA uploaded | 06/06/2025 | XXX: Received | 6/6/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9162676 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 06/04/2025 | Resolved | 9305222668 | Property | Appraisal Missing or Defective | Missing Appraisal for subject property: XXX | XX/XX/XXXX appraisal uploaded | 06/10/2025 | XXX: Received | 6/10/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9175283 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 06/05/2025 | Resolved | 9314837267 | Credit | Entity Documentation - Missing or Defective | Missing Operating Agreement, Articles Of Organization, and certificate of good standing for: XXX | XXX: ARTICLES | 06/09/2025 | XXX: Received | 6/9/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9175283 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 06/05/2025 | Resolved | 9315137087 | Property | Appraisal Missing or Defective | Missing Appraisal Report | XXX: APPRAISAL | 06/09/2025 | XXX: Received | 6/9/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9175283 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 06/05/2025 | Resolved | 9315142740 | Property | Hazard Insurance Missing or Defective | Missing Hazard Insurance | XXX: INSURANCE | 06/09/2025 | XXX: Received | 6/9/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9133772 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 05/12/2025 | Resolved | 9134004175 | Property | Appraisal Missing or Defective | Missing Appraisal | XXX | 05/13/2025 | XXX: Received | 5/16/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9133772 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 05/12/2025 | Resolved | 9134004430 | Property | Appraisal Review - Missing | Missing Appraisal Review | XXX | 05/13/2025 | XXX: Received | 5/16/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9133772 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 05/12/2025 | Resolved | 9134004670 | Credit | Entity Documentation - Missing or Defective | Missing operating agreement, articles of organization, good standing, etc | XXX | 05/19/2025 | XXX: Received XXX: Operating Agreement and EIN have not been provided | 5/19/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9133772 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 05/12/2025 | Resolved | 9134005129 | Credit | Background Check Missing or Defective | Missing Background Report | XXX | 05/13/2025 | XXX: Received | 5/16/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |

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## Exhibit 99.5

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

**Exhibit 99.5 – Schedule 2**

---

| | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **MSID** | **Investor Loan ID** | **Original Loan Amount** | **Initial Compliance Loan Grades DBRS** | **Initial Compliance Loan Grades Fitch** | **Initial Compliance Loan Grades Kroll** | **Initial Compliance Loan Grades Moody's** | **Initial Compliance Loan Grades S&P** | **Final Compliance Loan Grades DBRS** | **Final Compliance Loan Grades Fitch** | **Final Compliance Loan Grades Kroll** | **Final Compliance Loan Grades Moody's** | **Final Compliance Loan Grades S&P** |
| XXXXX | 9162889 |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9162845 |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9162787 |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9162883 |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9066904 |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9127705 |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| XXXXX | 9127737 |  | $XXXXXX D | C | C | C | C | C A D | B | B | B | B | B A |
| XXXXX | 9127775 |  | $XXXXXX A | C | C | C | C | C A | A | A | A | A | A |
| XXXXX | 9127788 |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| XXXXX | 9127842 |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9127879 |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| XXXXX | 9127894 |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| XXXXX | 9127919 |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9127926 |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9127931 |  | $XXXXXX A | D | D | D | D | D A | A | A | A | A | A |
| XXXXX | 9127939 |  | $XXXXXX A | C | C | C | C | C A | A | A | A | A | A |
| XXXXX | 9162726 |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9162692 |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9162764 |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9162882 |  | $XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| XXXXX | 9162835 |  | $XXXXXX A | C | C | C | C | C A | A | A | A | A | A |
| XXXXX | 9162703 |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9162875 |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| XXXXX | 9162716 |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9162680 |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9162738 |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| XXXXX | 9162785 |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9162619 |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9162617 |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9162614 |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9162734 |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9162661 |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9162660 |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9162800 |  | $XXXXXX D | C | C | C | C | C A D | A | A | A | A | A |
| XXXXX | 9162753 |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9162840 |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9162722 |  | $XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| XXXXX | 9162820 |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9162754 |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9162744 |  | $XXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| XXXXX | 9162745 |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9162860 |  | $XXXXXX A | B | B | B | B | B A | A | A | A | A | A |
| XXXXX | 9162843 |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| XXXXX | 9162796 |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9162887 |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9162747 |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9162766 |  | $XXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| XXXXX | 9162804 |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9162761 |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9162859 |  | $XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| XXXXX | 9162853 |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9162816 |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| XXXXX | 9175150 |  | $XXXXXX A | A | A | A | A | A C | A | A | A | A | A |
| XXXXX | 9133653 |  | $XXXXXX A | C | C | C | C | C A | A | A | A | A | A |
| XXXXX | 9133564 |  | $XXXXXX A | C | C | C | C | C A | A | A | A | A | A |
| XXXXX | 9175159 |  | $XXXXXX D | C | C | C | C | C D B | A | A | A | A | A B |
| XXXXX | 9133669 |  | $XXXXXX A | A | A | A | A | A C | A | A | A | A | A |
| XXXXX | 9162854 |  | $XXXXXX D | B | B | B | B | B A D | A | A | A | A | A |
| XXXXX | 9162760 |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| XXXXX | 9162806 |  | $XXXXXX D | B | B | B | B | B D A | A | A | A | A | A |
| XXXXX | 9162755 |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| XXXXX | 9162812 |  | $XXXXXX D | B | B | B | B | B A D | A | A | A | A | A |
| XXXXX | 9162850 |  | $XXXXXX D | B | B | B | B | B A D | A | A | A | A | A |
| XXXXX | 9162831 |  | $XXXXXX D | B | B | B | B | B A D | A | A | A | A | A |
| XXXXX | 9133546 |  | $XXXXXX D | C | C | C | C | C A D | B | B | B | B | B A |
| XXXXX | 9133573 |  | $XXXXXX D | B | B | B | B | B A D | A | A | A | A | A |
| XXXXX | 9133587 |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9133670 |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| XXXXX | 9133640 |  | $XXXXXX D | B | B | B | B | B A D | A | A | A | A | A |
| XXXXX | 9133710 |  | $XXXXXX A | C | C | C | C | C A | A | A | A | A | A |
| XXXXX | 9133694 |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| XXXXX | 9162869 |  | $XXXXXX D | A | A | A | A | A C D | A | A | A | A | A |
| XXXXX | 9162858 |  | $XXXXXX D | C | C | C | C | C A D | A | A | A | A | A |
| XXXXX | 9175147 |  | $XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| XXXXX | 9133802 |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| XXXXX | 9133807 |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| XXXXX | 9133540 |  | $XXXXXX D | B | B | B | B | B A D | A | A | A | A | A B |
| XXXXX | 9133612 |  | $XXXXXX D | C | C | C | C | C A D | A | A | A | A | A |
| XXXXX | 9133703 |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9133580 |  | $XXXXXX A | B | B | B | B | B A | A | A | A | A | A |
| XXXXX | 9162848 |  | $XXXXXX D | C | C | C | C | C D A | A | A | A | A | A |
| XXXXX | 9162861 |  | $XXXXXX D | B | B | B | B | B D A | A | A | A | A | A |
| XXXXX | 9133648 |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9162864 |  | $XXXXXX D | B | B | B | B | B D A | A | A | A | A | A |
| XXXXX | 9162830 |  | $XXXXXX D | C | C | C | C | C A D | A | A | A | A | A |
| XXXXX | 9162797 |  | $XXXXXX D | B | B | B | B | B A D | A | A | A | A | A |
| XXXXX | 6971925 |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9053583 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9124996 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9124997 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125000 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125001 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125002 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125003 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125004 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125005 |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125006 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125007 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125008 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125009 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125010 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125011 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125012 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125013 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125015 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125017 |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125018 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125019 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125020 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125021 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A B |
| XXXXX | 9125022 |  | $XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125023 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125025 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125026 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125027 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125028 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125029 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125030 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125033 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125034 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125035 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125036 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125037 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125039 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125040 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125041 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125042 |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125043 |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A C D | N/A | N/A | N/A | N/A | N/A B |
| XXXXX | 9125044 |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125045 |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125046 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125047 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125048 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125049 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125050 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125051 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125052 |  | $XXXXXX C | N/A | N/A | N/A | N/A | N/A D B | N/A | N/A | N/A | N/A | N/A B |
| XXXXX | 9125053 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125054 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125055 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125056 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125057 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125058 |  | $XXXXXX C | N/A | N/A | N/A | N/A | N/A D B | N/A | N/A | N/A | N/A | N/A B |
| XXXXX | 9125059 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125060 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125061 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125063 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125064 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125065 |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A C D | N/A | N/A | N/A | N/A | N/A B |
| XXXXX | 9125066 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125067 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125068 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125069 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125070 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125071 |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125072 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125073 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125074 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125075 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125076 |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125077 |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125078 |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125079 |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125080 |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125081 |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125082 |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125083 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125084 |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125086 |  | $XXXXXX C | N/A | N/A | N/A | N/A | N/A D B | N/A | N/A | N/A | N/A | N/A B |
| XXXXX | 9125087 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125088 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125089 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125090 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125091 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125092 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125093 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125094 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125095 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125096 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125098 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125099 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125100 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125101 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125102 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125103 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125104 |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125105 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125106 |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125107 |  | $XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125108 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125109 |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125111 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125112 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125113 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125114 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125115 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9066813 |  | $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 |
| XXXXX | 9127992 |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9127877 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9127749 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9184614 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9127806 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9127938 |  | $XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9127686 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9184618 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9127921 |  | $XXXXXX C | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9127941 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9127667 |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9127956 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9127681 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9127973 |  | $XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9127987 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9184612 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9127669 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9127933 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9127948 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9127967 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9127968 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9127979 |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9127970 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9127662 |  | $XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9127829 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9184625 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9014913 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 8995839 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9066760 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9066894 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9066931 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9127790 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9162705 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9133556 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9133533 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9133903 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9133678 |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9133656 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9133616 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9133975 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9133766 |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9133631 |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9133685 |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9133644 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9133528 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9133570 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9133719 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9133668 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9133535 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9133610 |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9133609 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9133538 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9133684 |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9133531 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9133751 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9133749 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9133708 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9133618 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9133763 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9133595 |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9133557 |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9133727 |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9133801 |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D B | N/A | N/A | N/A | N/A | N/A B |
| XXXXX | 9133674 |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9133603 |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9162678 |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9162737 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9162699 |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D B | N/A | N/A | N/A | N/A | N/A B |
| XXXXX | 9162736 |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9162695 |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9162708 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9162685 |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9162718 |  | $XXXXXX C | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9162706 |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9162682 |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9162715 |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9162742 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9162704 |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9162676 |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9175283 |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9133772 |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |

---

## Exhibit 99.5

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

**Exhibit 99.5 – Schedule 3**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| **Loan ID** | **MSID** | **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** |
| XXXXX | 9162889 |  | XX/XX/XXXX | $XXXXXX | $XXX | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  | $XXX | $XXX | .0000 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.2 |  |
| XXXXX | 9162845 |  | XX/XX/XXXX | $XXXXXX | $XXX | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| XXXXX | 9162787 |  | XX/XX/XXXX | $XXXXXX | $XXX | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 9162883 |  | XX/XX/XXXX | $XXXXXX | $XXX | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 62.5 | 62.5 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXXXX | 9066904 |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 40.91 | 40.91 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXXXX | 9127705 |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 71.88 | 71.88 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.7 |  |
| XXXXX | 9127737 |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 77.03 | 77.03 |  |  |  |  | $XXX | $XXX | -.0191 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0191 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.2 |  |
| XXXXX | 9127775 |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 67.45 | 67.45 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.1 |  |
| XXXXX | 9127788 |  | XX/XX/XXXX | $XXXXXX | $XXX | 0 | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| XXXXX | 9127842 |  | XX/XX/XXXX | $XXXXXX | $XXX | 0 | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 9127879 |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 77.34 | 77.34 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 9127894 |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 74.97 | 74.97 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXXXX | 9127919 |  | XX/XX/XXXX | $XXXXXX | $XXX | 0 | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 85.0 | 85.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.5 |  |
| XXXXX | 9127926 |  | XX/XX/XXXX | $XXXXXX | $XXX | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| XXXXX | 9127931 |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 78.04 | 78.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 9127939 |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXXXX | 9162726 |  | XX/XX/XXXX | $XXXXXX | $XXX | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXXXX | 9162692 |  | XX/XX/XXXX | $XXXXXX | $XXX | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 74.07 | 74.07 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 9162764 |  | XX/XX/XXXX | $XXXXXX | $XXX | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 9162882 |  | XX/XX/XXXX | $XXXXXX | $XXX | 0 | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  | $XXX | $XXX | .0000 | XX/XX/XXXX | 1073 Individual Condo Report |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX | $XXX | 0.00% | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.5 |  |
| XXXXX | 9162835 |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXXXX | 9162703 |  | XX/XX/XXXX | $XXXXXX | $XXX | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2 |  |
| XXXXX | 9162875 |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 25.0 | 25.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  | $XXX | $XXX | .0000 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX | $XXX | 0.00% | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 9162716 |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 9162680 |  | XX/XX/XXXX | $XXXXXX | $XXX | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 43.86 | 43.86 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.3 |  |
| XXXXX | 9162738 |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 4.1 |  |
| XXXXX | 9162785 |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 56.12 | 56.12 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 9162619 |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 67.11 | 67.11 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 4.8 |  |
| XXXXX | 9162617 |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 60.0 | 60.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.6 |  |
| XXXXX | 9162614 |  | XX/XX/XXXX | $XXXXXX | $XXX | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.9 |  |
| XXXXX | 9162734 |  | XX/XX/XXXX | $XXXXXX | $XXX | 0 | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 9162661 |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 63.64 | 63.64 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 9162660 |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 62.66 | 62.66 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 9162800 |  | XX/XX/XXXX | $XXXXXX | $XXX | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.8 |  |
| XXXXX | 9162753 |  | XX/XX/XXXX | $XXXXXX | $XXX | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 84.81 | 84.81 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| XXXXX | 9162840 |  | XX/XX/XXXX | $XXXXXX | $XXX | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 9162722 |  | XX/XX/XXXX | $XXXXXX | $XXX | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXXXX | 9162820 |  | XX/XX/XXXX | $XXXXXX | $XXX | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3 |  |
| XXXXX | 9162754 |  | XX/XX/XXXX | $XXXXXX | $XXX | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| XXXXX | 9162744 |  | XX/XX/XXXX | $XXXXXX |  | 320000 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 82.03 | 82.03 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 9162745 |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 38.46 | 38.46 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| XXXXX | 9162860 |  | XX/XX/XXXX | $XXXXXX | $XXX | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 9162843 |  | XX/XX/XXXX | $XXXXXX | $XXX | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 9162796 |  | XX/XX/XXXX | $XXXXXX | $XXX | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX | $XXX | 0.00% | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 9162887 |  | XX/XX/XXXX | $XXXXXX | $XXX | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 9162747 |  | XX/XX/XXXX | $XXXXXX | $XXX | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .1046 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .1046 | XXX | XXX | XXX | XXX | XX/XX/XXXX | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 9162766 |  | XX/XX/XXXX | $XXXXXX | $XXX | 0 | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXXXX | 9162804 |  | XX/XX/XXXX | $XXXXXX | $XXX | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.8 |  |
| XXXXX | 9162761 |  | XX/XX/XXXX | $XXXXXX | $XXX | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| XXXXX | 9162859 |  | XX/XX/XXXX | $XXXXXX | $XXX | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 9162853 |  | XX/XX/XXXX | $XXXXXX | $XXX | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.7 |  |
| XXXXX | 9162816 |  | XX/XX/XXXX | $XXXXXX | $XXX | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 9175150 |  | XX/XX/XXXX | $XXXXXX | $XXX | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 62.8 | 62.8 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXXXX | 9133653 |  | XX/XX/XXXX | $XXXXXX | $XXX | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.9 |  |
| XXXXX | 9133564 |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXXXX | 9175159 |  | XX/XX/XXXX | $XXXXXX | $XXX | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 79.07 | 79.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.9 |  |
| XXXXX | 9133669 |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 69.05 | 69.05 |  |  |  |  |  |  |  |  | $XXX | $XXX | .1667 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 9162854 |  | XX/XX/XXXX | $XXXXXX | $XXX | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.8 |  |
| XXXXX | 9162760 |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.1 |  |
| XXXXX | 9162806 |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 9162755 |  | XX/XX/XXXX | $XXXXXX | $XXX | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXXXX | 9162812 |  | XX/XX/XXXX | $XXXXXX | $XXX | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.5 |  |
| XXXXX | 9162850 |  | XX/XX/XXXX | $XXXXXX | $XXX | 0 | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 85.0 | 85.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 9162831 |  | XX/XX/XXXX | $XXXXXX | $XXX | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXXXX | 9133546 |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 62.84 | 74.79 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| XXXXX | 9133573 |  | XX/XX/XXXX | $XXXXXX | $XXX | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.1 |  |
| XXXXX | 9133587 |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 29.56 | 29.56 |  |  |  |  |  |  |  |  | $XXX | $XXX | .0049 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 9133670 |  | XX/XX/XXXX | $XXXXXX | $XXX | 0 | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.5 |  |
| XXXXX | 9133640 |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 73.53 | 73.53 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.5 |  |
| XXXXX | 9133710 |  | XX/XX/XXXX | $XXXXXX | $XXX | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXXXX | 9133694 |  | XX/XX/XXXX | $XXXXXX | $XXX | 0 | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 85.0 | 85.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2 |  |
| XXXXX | 9162869 |  | XX/XX/XXXX | $XXXXXX | $XXX | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  | $XXX | $XXX | .0086 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 9162858 |  | XX/XX/XXXX | $XXXXXX | $XXX | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2 |  |
| XXXXX | 9175147 |  | XX/XX/XXXX | $XXXXXX | $XXX | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 74.63 | 74.63 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 9133802 |  | XX/XX/XXXX | $XXXXXX | $XXX | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  | $XXX | $XXX | -.0585 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0585 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 9133807 |  | XX/XX/XXXX | $XXXXXX | $XXX | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.1 |  |
| XXXXX | 9133540 |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 52.11 | 52.11 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.8 |  |
| XXXXX | 9133612 |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 35.21 | 35.21 |  |  |  |  |  |  |  |  | $XXX | $XXX | .0141 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.5 |  |
| XXXXX | 9133703 |  | XX/XX/XXXX | $XXXXXX | $XXX | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXXXX | 9133580 |  | XX/XX/XXXX | $XXXXXX | $XXX | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.1 |  |
| XXXXX | 9162848 |  | XX/XX/XXXX | $XXXXXX | $XXX | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXXXX | 9162861 |  | XX/XX/XXXX | $XXXXXX | $XXX | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXXXX | 9133648 |  | XX/XX/XXXX | $XXXXXX | $XXX | 0 | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 85.0 | 85.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2 |  |
| XXXXX | 9162864 |  | XX/XX/XXXX | $XXXXXX | $XXX | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 9162830 |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.1 |  |
| XXXXX | 9162797 |  | XX/XX/XXXX | $XXXXXX | $XXX | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.7 |  |
| XXXXX | 6971925 |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 62.24 | 62.24 |  |  |  |  |  |  |  |  | $XXX | $XXX | -0.1480 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.1737 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| XXXXX | 9053583 |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.00 | 70.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 9124996 |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 55.00 | 55.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 9124997 |  | XX/XX/XXXX | $XXXXXX | $XXX | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 65.00 | 65.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 9125000 |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 70.00 | 70.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 9125001 |  | XX/XX/XXXX | $XXXXXX | $XXX | 0 | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 66.95 | 66.95 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 9125002 |  | XX/XX/XXXX | $XXXXXX | $XXX | 0 | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 75.00 | 75.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 9125003 |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.00 | 70.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 9125004 |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 49.00 | 49.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 9125005 |  | XX/XX/XXXX | $XXXXXX | $XXX | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.00 | 75.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 9125006 |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 65.00 | 65.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 9125007 |  | XX/XX/XXXX | $XXXXXX | $XXX | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.00 | 75.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 9125008 |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 67.00 | 67.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 9125009 |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 65.00 | 65.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 9125010 |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 75.00 | 75.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 9125011 |  | XX/XX/XXXX | $XXXXXX | $XXX | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.00 | 75.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 9125012 |  | XX/XX/XXXX | $XXXXXX | $XXX | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.00 | 75.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 9125013 |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 55.00 | 55.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 9125015 |  | XX/XX/XXXX | $XXXXXX | $XXX | 0 | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 75.00 | 75.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 9125017 |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 69.00 | 69.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 9125018 |  | XX/XX/XXXX | $XXXXXX | $XXX | 0 | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 75.00 | 75.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 9125019 |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.00 | 75.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 9125020 |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 72.00 | 72.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 9125021 |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.00 | 75.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 9125022 |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 64.00 | 64.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 9125023 |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 60.00 | 60.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 9125025 |  | XX/XX/XXXX | $XXXXXX | $XXX | 0 | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 75.00 | 75.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 9125026 |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 70.00 | 70.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 9125027 |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 58.00 | 58.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 9125028 |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.00 | 75.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 9125029 |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.00 | 70.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.031039834 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 9125030 |  | XX/XX/XXXX | $XXXXXX | $XXX | 0 | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 70.00 | 70.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 9125033 |  | XX/XX/XXXX | $XXXXXX | $XXX | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.00 | 75.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 9125034 |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 70.00 | 70.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 9125035 |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.00 | 75.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 9125036 |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 65.00 | 65.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 9125037 |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 35.00 | 35.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 9125039 |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 59.00 | 59.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 9125040 |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 75.00 | 75.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 9125041 |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.00 | 75.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 9125042 |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 60.00 | 60.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 9125043 |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.00 | 70.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 9125044 |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.00 | 75.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 9125045 |  | XX/XX/XXXX | $XXXXXX | $XXX | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.00 | 70.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 9125046 |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 65.00 | 65.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 9125047 |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.00 | 70.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 9125048 |  | XX/XX/XXXX | $XXXXXX | $XXX | 0 | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 80.00 | 80.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 9125049 |  | XX/XX/XXXX | $XXXXXX | $XXX | 0 | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 75.00 | 75.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -0.047619048 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 9125050 |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 60.00 | 60.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -0.064102564 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 9125051 |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 44.00 | 44.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 9125052 |  | XX/XX/XXXX | $XXXXXX | $XXX | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.00 | 70.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 9125053 |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.00 | 75.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 9125054 |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.00 | 70.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 9125055 |  | XX/XX/XXXX | $XXXXXX | $XXX | 0 | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 75.00 | 75.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 9125056 |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 65.00 | 65.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 9125057 |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 68.00 | 68.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.47826087 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 9125058 |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.00 | 75.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 9125059 |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 55.00 | 55.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 9125060 |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 45.25 | 45.25 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 9125061 |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 75.00 | 75.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 9125063 |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.00 | 75.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 9125064 |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.00 | 75.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 9125065 |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 48.20 | 48.20 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 9125066 |  | XX/XX/XXXX | $XXXXXX | $XXX | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00 | 80.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -0.037037037 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 9125067 |  | XX/XX/XXXX | $XXXXXX | $XXX | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.00 | 75.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -0.090909091 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 9125068 |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 48.50 | 48.50 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -0.097087379 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 9125069 |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 41.50 | 41.50 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 9125070 |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 34.99 | 34.99 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 9125071 |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.00 | 75.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 9125072 |  | XX/XX/XXXX | $XXXXXX | $XXX | 0 | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 75.00 | 75.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 9125073 |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.00 | 75.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 9125074 |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.00 | 75.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 9125075 |  | XX/XX/XXXX | $XXXXXX | $XXX | 0 | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 80.00 | 80.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 9125076 |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 75.00 | 75.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 9125077 |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 60.00 | 60.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 9125078 |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.00 | 70.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 9125079 |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 65.00 | 65.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 9125080 |  | XX/XX/XXXX | $XXXXXX | $XXX | 0 | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 80.00 | 80.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 9125081 |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 65.00 | 65.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 9125082 |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 34.00 | 34.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -0.072847682 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 9125083 |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 65.00 | 65.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 9125084 |  | XX/XX/XXXX | $XXXXXX | $XXX | 0 | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 75.00 | 75.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 9125086 |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.00 | 70.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 9125087 |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.00 | 75.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 9125088 |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 34.50 | 34.50 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 9125089 |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 33.50 | 33.50 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 9125090 |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.00 | 70.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 9125091 |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 60.00 | 60.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 9125092 |  | XX/XX/XXXX | $XXXXXX | $XXX | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.00 | 75.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 9125093 |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 65.00 | 65.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 9125094 |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.00 | 75.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 9125095 |  | XX/XX/XXXX | $XXXXXX | $XXX | 0 | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 80.00 | 80.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 9125096 |  | XX/XX/XXXX | $XXXXXX | $XXX | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.00 | 75.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 9125098 |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.00 | 75.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 9125099 |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.00 | 75.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 9125100 |  | XX/XX/XXXX | $XXXXXX | $XXX | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.00 | 75.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 9125101 |  | XX/XX/XXXX | $XXXXXX | $XXX | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.00 | 75.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 9125102 |  | XX/XX/XXXX | $XXXXXX | $XXX | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.00 | 75.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 9125103 |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.00 | 70.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 9125104 |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 60.00 | 60.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 9125105 |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.00 | 75.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 9125106 |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.00 | 75.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 9125107 |  | XX/XX/XXXX | $XXXXXX | $XXX | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 69.00 | 69.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 9125108 |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 65.00 | 65.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 9125109 |  | XX/XX/XXXX | $XXXXXX | $XXX | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.00 | 75.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 9125111 |  | XX/XX/XXXX | $XXXXXX | $XXX | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.00 | 70.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 9125112 |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 64.00 | 64.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 9125113 |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 72.00 | 72.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 9125114 |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 69.95 | 69.95 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.050328228 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 9125115 |  | XX/XX/XXXX | $XXXXXX | $XXX | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00 | 80.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 9066813 |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 77.04 | 77.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 9127992 |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 71.74 | 71.74 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0 |  | XX/XX/XXXX | XXX |  |  | Eligible | 1.7 |  |
| XXXXX | 9127877 |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.00 | 70.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| XXXXX | 9127749 |  | XX/XX/XXXX | $XXXXXX | $XXX | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.00 | 75.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.2 |  |
| XXXXX | 9184614 |  | XX/XX/XXXX | $XXXXXX | $XXX | 0 | $XXX | XX/XX/XXXX | Form 71A | $XXX | 75.00 | 75.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 9127806 |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 62.97 | 62.97 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 9127938 |  | XX/XX/XXXX | $XXXXXX | $XXX | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 73.50 | 73.50 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 9127686 |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 68.55 | 68.55 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| XXXXX | 9184618 |  | XX/XX/XXXX | $XXXXXX | $XXX | 0 | $XXX | XX/XX/XXXX | Form 71A | $XXX | 68.42 | 68.42 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0 | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 9127921 |  | XX/XX/XXXX | $XXXXXX | $XXX | 0 | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 74.86 | 74.86 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 9127941 |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00 | 80.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.8 |  |
| XXXXX | 9127667 |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 24.67 | 24.67 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 9127956 |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 58.33 | 58.33 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 9127681 |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 58.33 | 58.33 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 9127973 |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.00 | 70.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 9127987 |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 60.00 | 60.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 9184612 |  | XX/XX/XXXX | $XXXXXX | $XXX | 0 | $XXX | XX/XX/XXXX | Form 71A | $XXX | 75.00 | 75.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.027941176 | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0 |  | XX/XX/XXXX | XXX |  |  | Not Eligible |  |  |
| XXXXX | 9127669 |  | XX/XX/XXXX | $XXXXXX | $XXX | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.00 | 70.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| XXXXX | 9127933 |  | XX/XX/XXXX | $XXXXXX | $XXX | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 79.90 | 79.90 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0 |  | XX/XX/XXXX | XXX |  |  | Eligible | 1 |  |
| XXXXX | 9127948 |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 54.17 | 54.17 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0 |  | XX/XX/XXXX | XXX |  |  | Eligible | 1 |  |
| XXXXX | 9127967 |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00 | 80.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| XXXXX | 9127968 |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 80.00 | 80.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -0.082125604 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 9127979 |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00 | 80.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 9127970 |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 80.00 | 80.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -0.082125604 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 9127662 |  | XX/XX/XXXX | $XXXXXX | $XXX | 0 | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 80.00 | 80.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 9127829 |  | XX/XX/XXXX | $XXXXXX | $XXX | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.00 | 75.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 9184625 |  | XX/XX/XXXX | $XXXXXX | $XXX | 0 | $XXX | XX/XX/XXXX | Form 71A | $XXX | 75.00 | 75.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -0.027777778 | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| XXXXX | 9014913 |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 44.17 | 44.17 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0 |  | XX/XX/XXXX | XXX |  |  | Not Eligible |  |  |
| XXXXX | 8995839 |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.00 | 70.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| XXXXX | 9066760 |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 62.11 | 62.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.4 |  |
| XXXXX | 9066894 |  | XX/XX/XXXX | $XXXXXX | $XXX | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 69.94 | 69.94 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 9066931 |  | XX/XX/XXXX | $XXXXXX | $XXX | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00 | 80.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0 |  | XX/XX/XXXX | XXX |  |  | Eligible | 1.6 |  |
| XXXXX | 9127790 |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 60.48 | 60.48 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| XXXXX | 9162705 |  | XX/XX/XXXX | $XXXXXX | $XXX | 0 | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 73.43 | 73.43 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| XXXXX | 9133556 |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.00 | 70.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3 |  |
| XXXXX | 9133533 |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | Form 71B | $XXX | 24.52 | 24.52 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.047619048 | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 9133903 |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 64.72 | 64.72 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.211538462 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 9133678 |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.00 | 75.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 9133656 |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 59.75 | 59.75 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 9133616 |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 53.66 | 53.66 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 9133975 |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 73.13 | 73.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 9133766 |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | Form 71A | $XXX | 70.00 | 70.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -0.011320755 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 9133631 |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 70.00 | 70.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 9133685 |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 60.00 | 60.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| XXXXX | 9133644 |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | Form 71A | $XXX | 65.00 | 65.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -0.04137931 | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 9133528 |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | Form 71A | $XXX | 53.85 | 53.85 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0 | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 9133570 |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 61.36 | 61.36 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 9133719 |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | Form 71A | $XXX | 23.26 | 23.26 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0 | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 9133668 |  | XX/XX/XXXX | $XXXXXX | $XXX | 0 | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 75.00 | 75.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 9133535 |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | Form 71A | $XXX | 65.00 | 65.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -0.013333333 | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 9133610 |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 47.78 | 47.78 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.4 |  |
| XXXXX | 9133609 |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 41.30 | 41.30 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| XXXXX | 9133538 |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | Form 71A | $XXX | 65.00 | 65.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -0.010294118 | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 9133684 |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 60.00 | 60.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 9133531 |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | Form 71A | $XXX | 70.00 | 70.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -0.008130081 | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 9133751 |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.00 | 70.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.9 |  |
| XXXXX | 9133749 |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.00 | 70.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.9 |  |
| XXXXX | 9133708 |  | XX/XX/XXXX | $XXXXXX | $XXX | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 65.00 | 65.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.2 |  |
| XXXXX | 9133618 |  | XX/XX/XXXX | $XXXXXX | $XXX | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.00 | 75.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.3 |  |
| XXXXX | 9133763 |  | XX/XX/XXXX | $XXXXXX | $XXX | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.00 | 75.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.054172767 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 0 |  |
| XXXXX | 9133595 |  | XX/XX/XXXX | $XXXXXX | $XXX | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.00 | 75.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 9133557 |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.00 | 75.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 9133727 |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 60.00 | 60.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| XXXXX | 9133801 |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 66.70 | 66.70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| XXXXX | 9133674 |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 42.36 | 42.36 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 9133603 |  | XX/XX/XXXX | $XXXXXX | $XXX | 0 | $XXX | XX/XX/XXXX | Form 71A | $XXX | 70.00 | 70.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.0125 | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 0 |  |
| XXXXX | 9162678 |  | XX/XX/XXXX | $XXXXXX | $XXX | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 68.00 | 68.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 9162737 |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.00 | 70.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  | Eligible | 2.2 |  |
| XXXXX | 9162699 |  | XX/XX/XXXX | $XXXXXX | $XXX | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.00 | 75.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.8 |  |
| XXXXX | 9162736 |  | XX/XX/XXXX | $XXXXXX | $XXX | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00 | 80.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3 |  |
| XXXXX | 9162695 |  | XX/XX/XXXX | $XXXXXX | $XXX | 0 | $XXX | XX/XX/XXXX | Form 71A | $XXX | 75.00 | 75.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0 | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  | Not Eligible |  |  |
| XXXXX | 9162708 |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 28.31 | 28.31 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| XXXXX | 9162685 |  | XX/XX/XXXX | $XXXXXX | $XXX | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00 | 80.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 9162718 |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 65.71 | 65.71 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.008403361 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 9162706 |  | XX/XX/XXXX | $XXXXXX | $XXX | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.00 | 70.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 9162682 |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00 | 80.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.2 |  |
| XXXXX | 9162715 |  | XX/XX/XXXX | $XXXXXX | $XXX | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.00 | 70.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| XXXXX | 9162742 |  | XX/XX/XXXX | $XXXXXX | $XXX | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.00 | 70.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| XXXXX | 9162704 |  | XX/XX/XXXX | $XXXXXX | $XXX | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 59.18 | 59.18 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 9162676 |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 65.00 | 65.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0 | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 0 |  |
| XXXXX | 9175283 |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00 | 80.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 9133772 |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.00 | 75.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |

---

## Exhibit 99.5

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

**Exhibit 99.5 – Schedule 4**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **MSID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| XXXXX | 9162889 | Qualifying FICO | XXX | XXX | Per primary wage earner middle score |
| XXXXX | 9162889 | Total Liquid Assets Available For Close | XXX | XXX | Per liquid asset documentation. Did not include IRA accounts |
| XXXXX | 9162889 | Qualifying Total Reserves Number of Months | XXX | XXX | Per liquid asset documentation and housing expense |
| XXXXX | 9162889 | Total Qualified Assets Available | XXX | XXX | Per asset documentation provided |
| XXXXX | 9162889 | Qualifying Total Monthly Liabilities | XXX | XXX | Per liability documentation |
| XXXXX | 9162845 | Total Qualified Assets Available | XXX | XXX | Per asset docs |
| XXXXX | 9162845 | Qualifying Total Reserves Number of Months | XXX | XXX | Per asset docs |
| XXXXX | 9162787 | Qualifying Total Reserves Number of Months | XXX | XXX | Per asset docs |
| XXXXX | 9162787 | Total Liquid Assets Available For Close | XXX | XXX | Per asset docs |
| XXXXX | 9162787 | Total Qualified Assets Available | XXX | XXX | Per asset docs |
| XXXXX | 9162883 | Cash Disbursement Date | XX/XX/XXXX | XX/XX/XXXX | Per inputted Final CD tab |
| XXXXX | 9162883 | Total Qualified Assets Available | XXX | XXX | Per asset documentation |
| XXXXX | 9162883 | Qualifying Total Reserves Number of Months | XXX | XXX | Per asset documentation and housing expense |
| XXXXX | 9066904 | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| XXXXX | 9127705 | Application Date | XX/XX/XXXX | XX/XX/XXXX | Initial XXX in file is dated XX/XX/XXXX |
| XXXXX | 9127737 | Application Date | XX/XX/XXXX | XX/XX/XXXX | The is XX/XX/XXXX. Confirmed with e-consent. |
| XXXXX | 9127788 | Application Date | XX/XX/XXXX | XX/XX/XXXX | Verified via initial XXX. |
| XXXXX | 9127788 | Property Type | XXX | XXX | Verified via appraisal. |
| XXXXX | 9127788 | Qualifying Total Debt Income Ratio | XXX | XXX | Audit DTI lower due to OREO PITIA payments. |
| XXXXX | 9127842 | Application Date | XX/XX/XXXX | XX/XX/XXXX | Verified via initial XXX. |
| XXXXX | 9127879 | Application Date | XX/XX/XXXX | XX/XX/XXXX | Verified via initial XXX. |
| XXXXX | 9127894 | Application Date | XX/XX/XXXX | XX/XX/XXXX | Verified via initial XXX. |
| XXXXX | 9127919 | Application Date | XX/XX/XXXX | XX/XX/XXXX | Verified by the initial XXX. |
| XXXXX | 9127926 | Qualifying Total Debt Income Ratio | XXX | XXX | Audit DTI higher due to borrower's income. Income calculation is lower due to deductions. |
| XXXXX | 9127939 | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| XXXXX | 9127939 | Closing/Settlement Date | XX/XX/XXXX | XX/XX/XXXX | Per Final CD |
| XXXXX | 9162726 | Qualifying Total Reserves Number of Months | XXX | XXX | Assets as documented in the loan file. |
| XXXXX | 9162692 | Qualifying Total Monthly Liabilities | XXX | XXX | Per liabilities on credit report |
| XXXXX | 9162764 | Qualifying Total Reserves Number of Months | XXX | XXX | Per asset docs |
| XXXXX | 9162882 | Total Qualified Assets Available | XXX | XXX | Per asset docs |
| XXXXX | 9162882 | Total Liquid Assets Available For Close | XXX | XXX | Per asset docs |
| XXXXX | 9162882 | Qualifying Total Monthly Liabilities | XXX | XXX | Per credit docs |
| XXXXX | 9162703 | Qualifying Total Monthly Liabilities | XXX | XXX | From credit report |
| XXXXX | 9162875 | Cash Disbursement Date | XX/XX/XXXX | XX/XX/XXXX | Disbursement date was verified via final CD. |
| XXXXX | 9162875 | Total Liquid Assets Available For Close | XXX | XXX | Liquid assets verified via asset docs. |
| XXXXX | 9162875 | Total Qualified Assets Available | XXX | XXX | Assets verified via asset docs. |
| XXXXX | 9162875 | Qualifying Total Reserves Number of Months | XXX | XXX | Reserves verified. |
| XXXXX | 9162875 | Qualifying Total Monthly Liabilities | XXX | XXX | liabilities verified via credit report and REO mortgage Statement and property details. |
| XXXXX | 9162716 | Qualifying Total Monthly Liabilities | XXX | XXX | From application |
| XXXXX | 9162680 | Total Qualified Assets Available | XXX | XXX | Assets verified via assets docs. Sell of Investment property proceeds not included in Assets. |
| XXXXX | 9162738 | Cash Disbursement Date | XX/XX/XXXX | XX/XX/XXXX | Per final CD |
| XXXXX | 9162619 | Total Liquid Assets Available For Close | XXX | XXX | Liquid assets only. |
| XXXXX | 9162617 | Cash Disbursement Date | XX/XX/XXXX | XX/XX/XXXX | Per final CD |
| XXXXX | 9162617 | Total Liquid Assets Available For Close | XXX | XXX | Per assets in file |
| XXXXX | 9162617 | Qualifying Total Reserves Number of Months | XXX | XXX | Per assets in file |
| XXXXX | 9162617 | Qualifying Total Monthly Liabilities | XXX | XXX | Credit report |
| XXXXX | 9162614 | Qualifying Total Reserves Number of Months | XXX | XXX | Per balance on Borrower's Bank Statements |
| XXXXX | 9162614 | Total Qualified Assets Available | XXX | XXX | Per balance on Borrower's Bank Statements |
| XXXXX | 9162734 | Qualifying Total Monthly Liabilities | XXX | XXX | Per liabilities from credit report |
| XXXXX | 9162661 | Qualifying Total Monthly Liabilities | XXX | XXX | Per liabilities from credit report |
| XXXXX | 9162660 | Qualifying Total Monthly Liabilities | XXX | XXX | Per liabilities from credit report |
| XXXXX | 9162800 | Borrower 1 Qualifying Income | XXX | XXX | Other income listed on the Final 1003 $XXX/m was not verified. |
| XXXXX | 9162800 | Qualifying Total Reserves Number of Months | XXX | XXX | Excluded monthly payments for XXX balances. |
| XXXXX | 9162800 | Total Qualified Assets Available | XXX | XXX | Assets as documented in the loan file. |
| XXXXX | 9162800 | Qualifying Total Monthly Liabilities | XXX | XXX | Used payment of XXX% for XXX. |
| XXXXX | 9162753 | Total Qualified Assets Available | XXX | XXX | Per asset Statements |
| XXXXX | 9162840 | Qualifying Total Reserves Number of Months | XXX | XXX | Per asset documentation, less $XXX to reflect XXX% minimum borrower contribution and housing expense |
| XXXXX | 9162840 | Total Qualified Assets Available | XXX | XXX | Per asset documentation, less $XXX to reflect XXX% minimum borrower contribution |
| XXXXX | 9162722 | Qualifying Total Reserves Number of Months | XXX | XXX | Audit data based on asset Statements in file. |
| XXXXX | 9162722 | Total Qualified Assets Available | XXX | XXX | Audit data based on asset Statements in file. |
| XXXXX | 9162820 | Total Qualified Assets Available | XXX | XXX | Per asset docs |
| XXXXX | 9162820 | Qualifying Total Reserves Number of Months | XXX | XXX | Per asset docs |
| XXXXX | 9162820 | Qualifying Total Monthly Liabilities | XXX | XXX | Per credit docs |
| XXXXX | 9162754 | Qualifying Total Monthly Liabilities | XXX | XXX | Per liabilities |
| XXXXX | 9162744 | Loan Purpose | XXX | XXX | Per loan docs |
| XXXXX | 9162744 | Qualifying Total Reserves Number of Months | XXX | XXX | Per assets in file |
| XXXXX | 9162744 | Total Liquid Assets Available For Close | XXX | XXX | Per assets in file |
| XXXXX | 9162744 | Total Qualified Assets Available | XXX | XXX | Per assets in file |
| XXXXX | 9162744 | Qualifying Total Monthly Liabilities | XXX | XXX | Per credit report |
| XXXXX | 9162745 | Cash Disbursement Date | XX/XX/XXXX | XX/XX/XXXX | Per Final CD |
| XXXXX | 9162745 | Qualifying Total Reserves Number of Months | XXX | XXX | Per Final CD cashout, which could be used for reserves. |
| XXXXX | 9162843 | Qualifying Total Reserves Number of Months | XXX | XXX | Per asset docs |
| XXXXX | 9162843 | Total Liquid Assets Available For Close | XXX | XXX | Per asset docs |
| XXXXX | 9162843 | Total Qualified Assets Available | XXX | XXX | Per asset docs |
| XXXXX | 9162796 | Total Qualified Assets Available | XXX | XXX | Assets verified. |
| XXXXX | 9162796 | Qualifying Total Reserves Number of Months | XXX | XXX | Reserves verified. |
| XXXXX | 9162887 | Borrower 1 Qualifying Income | XXX | XXX | Used XXX month business bank Statement calculation rather than XXX months. |
| XXXXX | 9162887 | Total Qualified Assets Available | XXX | XXX | Does not include the EM $XXX |
| XXXXX | 9162747 | Reviewed Appraised Property Value | XXX | XXX | Used Appraisal value of $XXX |
| XXXXX | 9162747 | Total Qualified Assets Available | XXX | XXX | From Asset documentation |
| XXXXX | 9162747 | Qualifying Total Monthly Liabilities | XXX | XXX | From XXX |
| XXXXX | 9162766 | Qualifying Total Reserves Number of Months | XXX | XXX | Per asset documentation in file. |
| XXXXX | 9162766 | Total Qualified Assets Available | XXX | XXX | Per asset documentation in file. |
| XXXXX | 9162804 | Borrower 1 Citizen | XXX | XXX | Citizenship verified via docs provided. |
| XXXXX | 9162804 | Total Qualified Assets Available | XXX | XXX | Assets verified via asset docs. |
| XXXXX | 9162804 | Qualifying Total Reserves Number of Months | XXX | XXX | Reserves verified. |
| XXXXX | 9162761 | Cash Disbursement Date | XX/XX/XXXX | XX/XX/XXXX | Disbursement date per the final CD is XX/XX/XXXX |
| XXXXX | 9162761 | Qualifying Total Reserves Number of Months | XXX | XXX | Audit data is based on asset Statements in file. |
| XXXXX | 9162761 | Total Qualified Assets Available | XXX | XXX | Audit data is based on asset Statements in file. |
| XXXXX | 9162761 | Total Liquid Assets Available For Close | XXX | XXX | Audit data is based on asset Statements in file. |
| XXXXX | 9162859 | Cash Disbursement Date | XX/XX/XXXX | XX/XX/XXXX | Per final CD |
| XXXXX | 9162859 | Total Qualified Assets Available | XXX | XXX | Per assets in file |
| XXXXX | 9162859 | Qualifying Total Reserves Number of Months | XXX | XXX | Per assets in file |
| XXXXX | 9162816 | Borrower 1 Citizen | XXX | XXX | Borrower marked the application as a XXX. |
| XXXXX | 9162816 | Qualifying Total Reserves Number of Months | XXX | XXX | Assets as documented in the loan file. |
| XXXXX | 9162816 | Total Qualified Assets Available | XXX | XXX | Does not include the EM. |
| XXXXX | 9175150 | Qualifying Total Reserves Number of Months | XXX | XXX | Verified to assets |
| XXXXX | 9175150 | Qualifying All Borrower Residual Income | XXX | XXX | Based on verified income and total debts |
| XXXXX | 9133653 | Qualifying Total Reserves Number of Months | XXX | XXX | Verified at least XXX months of reserves with the assets in file. |
| XXXXX | 9133653 | Qualifying All Borrower Residual Income | XXX | XXX | Verified at least $XXX per month residual income with the income and credit documentation in the file |
| XXXXX | 9133564 | Qualifying Total Reserves Number of Months | XXX | XXX | Assets match the Final 1003 |
| XXXXX | 9133564 | Qualifying All Borrower Residual Income | XXX | XXX | Income matches the Final 1003 |
| XXXXX | 9175159 | Qualifying Total Reserves Number of Months | XXX | XXX | Verified to assets |
| XXXXX | 9133669 | Qualifying Total Reserves Number of Months | XXX | XXX | Confirmed with bank Statements provided. |
| XXXXX | 9133669 | Qualifying All Borrower Residual Income | XXX | XXX | Confirmed with Income documents and credit report. |
| XXXXX | 9162854 | Qualifying Total Reserves Number of Months | XXX | XXX | Verified by the calculations. |
| XXXXX | 9162854 | Qualifying All Borrower Residual Income | XXX | XXX | Verified by the calculations. |
| XXXXX | 9162760 | Application Date | XX/XX/XXXX | XX/XX/XXXX | is XX/XX/XXXX taken from compliance report |
| XXXXX | 9162760 | Qualifying FICO | XXX | XXX | Per credit report middle score |
| XXXXX | 9162760 | Qualifying Total Reserves Number of Months | XXX | XXX | Per CD/assets |
| XXXXX | 9162760 | Qualifying All Borrower Residual Income | XXX | XXX | Per monthly income less all debts |
| XXXXX | 9162806 | Qualifying Total Reserves Number of Months | XXX | XXX | no assets were on file. Used cash-out proceeds to cover the reserves |
| XXXXX | 9162806 | Qualifying All Borrower Residual Income | XXX | XXX | residual income calculated by subtracting all expenses from the verified income |
| XXXXX | 9162755 | Qualifying Total Reserves Number of Months | XXX | XXX | Per asset documents |
| XXXXX | 9162755 | Qualifying All Borrower Residual Income | XXX | XXX | Per income |
| XXXXX | 9162812 | Qualifying Total Reserves Number of Months | XXX | XXX | Assets are short $XXX to close. Flex Select guides require XXX months PITIA for Loan amount <= $XXX with LTV > XXX%. |
| XXXXX | 9162812 | Qualifying All Borrower Residual Income | XXX | XXX | Confirmed all borrower residual income as income of $XXX less total all monthly payments of $XXX for the balance $XXX. |
| XXXXX | 9162850 | Qualifying Total Reserves Number of Months | XXX | XXX | Confirmed with bank Statements provided. |
| XXXXX | 9162850 | Qualifying All Borrower Residual Income | XXX | XXX | Confirmed with bank Statements provided for income verification and Credit Report. |
| XXXXX | 9162831 | Qualifying Total Reserves Number of Months | XXX | XXX | Per assets |
| XXXXX | 9162831 | Qualifying All Borrower Residual Income | XXX | XXX | Per monthly income less all debts |
| XXXXX | 9133546 | Qualifying CLTV | XXX | XXX | CLTV verified via the UPB disclosed on the 2nd lien mortgage Statement. |
| XXXXX | 9133546 | Qualifying All Borrower Residual Income | XXX | XXX | Qualifying residual income verified via income and credit documentation. |
| XXXXX | 9133573 | Property Type | XXX | XXX | Confirmed with Appraisal. |
| XXXXX | 9133573 | Qualifying All Borrower Residual Income | XXX | XXX | Confirmed with Income documentation and credit report. |
| XXXXX | 9133587 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | Per Note |
| XXXXX | 9133587 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | Per Note |
| XXXXX | 9133587 | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| XXXXX | 9133587 | Qualifying CLTV | XXX | XXX | Per XXX |
| XXXXX | 9133587 | Qualifying All Borrower Residual Income | XXX | XXX | Per monthly income less all debts |
| XXXXX | 9133670 | Application Date | XX/XX/XXXX | XX/XX/XXXX | Verified the initial of XX/XX/XXXX with the LO signature on the initial XXX |
| XXXXX | 9133670 | Property Type | XXX | XXX | Verified the is condo - attached - XXX per appraisal and XXX |
| XXXXX | 9133670 | Qualifying All Borrower Residual Income | XXX | XXX | Verified at least $XXX per month residual income with the income and credit documentation in the file |
| XXXXX | 9133640 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | Verified to Note |
| XXXXX | 9133640 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | Verified to Note |
| XXXXX | 9133640 | Qualifying CLTV | XXX | XXX | Verified to Loan approval |
| XXXXX | 9133640 | Qualifying LTV | XXX | XXX | Verified to Loan approval |
| XXXXX | 9133640 | Qualifying All Borrower Residual Income | XXX | XXX | Based on verified income and total debts |
| XXXXX | 9133710 | Qualifying All Borrower Residual Income | XXX | XXX | Per monthly income less all debts |
| XXXXX | 9162869 | Qualifying FICO | XXX | XXX | Per primary wage earner mid score is XXX |
| XXXXX | 9162858 | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per HMDA printout is XX/XX/XXXX |
| XXXXX | 9162858 | Qualifying All Borrower Residual Income | XXX | XXX | Per monthly income less all debts |
| XXXXX | 9175147 | Application Date | XX/XX/XXXX | XX/XX/XXXX | Verified to LO signature initial XXX |
| XXXXX | 9175147 | Qualifying All Borrower Residual Income | XXX | XXX | Based on verified income and total debts |
| XXXXX | 9133807 | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003/compliance report |
| XXXXX | 9133807 | Qualifying Total Reserves Number of Months | XXX | XXX | Per assets |
| XXXXX | 9133807 | Qualifying All Borrower Residual Income | XXX | XXX | Per monthly income less all debts |
| XXXXX | 9133540 | Qualifying Total Reserves Number of Months | XXX | XXX | Verified to assets and cash out |
| XXXXX | 9133540 | Qualifying All Borrower Residual Income | XXX | XXX | Based on verified income and total debts |
| XXXXX | 9133612 | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| XXXXX | 9133612 | Qualifying All Borrower Residual Income | XXX | XXX | Per monthly income less all debts |
| XXXXX | 9133703 | Application Date | XX/XX/XXXX | XX/XX/XXXX | The LO signature date on the initial XXX is XX/XX/XXXX |
| XXXXX | 9133703 | Qualifying FICO | XXX | XXX | The is B2's XXX, B1 has XXX |
| XXXXX | 9133703 | Qualifying Total Reserves Number of Months | XXX | XXX | Assets match the Final 1003 |
| XXXXX | 9133703 | Qualifying All Borrower Residual Income | XXX | XXX | Income matches the Final 1003 |
| XXXXX | 9133580 | Qualifying Total Reserves Number of Months | XXX | XXX | Confirmed with bank Statements provided. |
| XXXXX | 9133580 | Qualifying All Borrower Residual Income | XXX | XXX | Confirmed with Income documents and credit report. |
| XXXXX | 9162848 | Qualifying Total Reserves Number of Months | XXX | XXX | Per assets |
| XXXXX | 9162848 | Qualifying All Borrower Residual Income | XXX | XXX | Per monthly income less all debts |
| XXXXX | 9162861 | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per compliance report is XX/XX/XXXX |
| XXXXX | 9162861 | Qualifying Total Reserves Number of Months | XXX | XXX | Per assets |
| XXXXX | 9162861 | Qualifying All Borrower Residual Income | XXX | XXX | Per monthly income less all debts |
| XXXXX | 9133648 | Qualifying Total Reserves Number of Months | XXX | XXX | Per audit of remaining verified assets/PITIA. |
| XXXXX | 9162797 | Application Date | XX/XX/XXXX | XX/XX/XXXX | Confirmed with Initial XXX. |
| XXXXX | 9162797 | Qualifying Total Reserves Number of Months | XXX | XXX | Confirmed with bank Statements provided. |
| XXXXX | 9162797 | Qualifying All Borrower Residual Income | XXX | XXX | Confirmed with bank Statement provided for income verification and Credit Report. |

---

## Exhibit 99.6

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

**Exhibit 99.6**

![](ex996001.jpg)

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

**Overview**

Digital Risk, LLC ("Digital Risk"), a third party due diligence provider, performed the review described below on behalf of its client, Morgan Stanley Mortgage Capital Holdings LLC and/or its affiliates. The review included a total of 28 newly originated residential mortgage loans, in connection with the securitization identified as MSRM 2025-NQM6 (the "Securitization"). The review began on July 12, 2024, and concluded on July 18, 2025.

**Scope of Review**

**Credit Review**

Digital Risk performed a "Credit Review" to verify compliance with guidelines in effect at the time of loan origination, or other guidelines provided by Client prior to review, and ensure the characteristics used by the underwriter are supported by the file documentation; and determine whether any loans outside of those guidelines contain legitimate and approved exceptions with compensating factors.

The Credit Review attempted to confirm the following:

a. <u>Review Initial & Final Application</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Check application for completeness. Determine whether the information in the preliminary Loan application,
final application, and all credit documents is consistent.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Validate Social Security/Taxpayer Identification number is valid

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Compare data on final form 1003 with the data from verifications

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Form is Complete, Signed, Dated, on or before loan consummation
date,

b. <u>Review Approval Conditions</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Underwriting decision is supported (manual underwrite credit conditions
have been satisfied prior to closing the approved Loan package)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Validation of assets/funds to close

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Validation of DSCR or qualification method and LTV calculations

c. <u>Review Occupancy/Red Flags</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Occupancy is supported

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Occupancy Red Flags adequately addressed

d. <u>Verification of Borrower Original and Audit Credit Report</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Validate names, social security number(s), and addresses

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. AKA's investigated and cleared

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Acceptable credit history and credit score requirements in conformance with Visio's guidelines.

e. <u>Verification of Borrower Asset Information</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. lease agreement or market survey for rental income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Assets

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Confirm adequate funds to cover required down payment and closing costs
and reserves

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Check dates for document expiration

f. <u>Review Sales Contract</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Complete and executed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Earnest Money Deposit verified

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Parties are consistent

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Seller contributions are within guidelines

g. <u>Hazard and Flood (if applicable)</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Verify sufficient coverage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verify coverage is for subject

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Validate all premiums are included in DSCR and any required upfront premium is paid

h. <u>Review Title Commitment/Policy</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Vesting correct

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Lien position

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Legal description

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Validate no encumbrances

i. <u>Review Closing Documents</u>.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Review security documents to ensure the Loan was closed in accordance with approval and with all required
signatures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Correct and complete instruments

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Review Settlement Statement

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Right to Cancel (if applicable)

**Compliance Review**

Digital Risk performed a "Compliance Review" to determine, as applicable, to the extent possible and subject to the caveats below, whether the loan complies with applicable regulatory requirements as noted below, each as amended, restated and/or replaced from time to time. The Compliance Review included the following:

a. Federal Truth in Lending Act ("TILA"), as implemented by Regulation Z, 12 C.F.R. Part
1026, as set forth below (for applicable Owner Occupied Properties):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Failure to provide the right of rescission notice;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. failure to provide the right of rescission notice in a timely manner and to the correct consumer(s);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. errors in the right of rescission notice;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. failure to provide the correct form of right of rescission notice;

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

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

b. <u>TILA</u> (for applicable Owner Occupied Properties)

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Compliance with the escrow account and appraisal requirements.

c. Business Purpose Loan Compliance Review

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Non-Owner Occupied Declaration Disclosure

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Review Note accuracy and properly executed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Review Mortgage and applicable riders for accuracy and properly executed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Occupancy Affidavit (must state that borrower(s) or if borrower is a business entity, the member(s)
and/or officer(s) of that business entity, including immediate family members of the same, will not reside in the property or claimed
as primary or secondary residence)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. HMDA section (Information for Government Monitoring Purposes) of the application (initial and/or
final)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. If property is in a flood zone, Flood Notice must be provided prior to closing

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. Right to Receive Copy of Appraisal or Appraisal Waiver Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. Letter of Explanation detailing the use of proceeds

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Borrower's statement of purpose for the loan

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;j. State License requirements when applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;k. State Predatory lending and high cost when applicable

d. <u>Exclusions</u>. Digital Risk reviews do not test for:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Technical formatting of disclosures.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Other Post-consummation disclosures, including Escrow Closing Notice; and Mortgage servicing transfer
and partial payment notices.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. For Loans made by an FDIC-supervised institution or servicer, extended or renewed on or after January
1, 2016, whether prohibited fees were collected prior to the initial LE being issued

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Whether any fee is a "bona fide" fee for third-party services

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Whether the loans comply with all federal, state or local laws, constitutional provisions, regulations
or ordinances that are not expressly enumerated above.

The Compliance Review did not include any federal, state or local laws, constitutional provisions, regulations or ordinances that are not expressly enumerated above. Furthermore, the findings reached by Digital Risk are dependent upon its receiving complete and accurate data regarding the loans from loan originators and other third parties upon which Digital Risk is relying in reaching such findings.

**Valuation Review**

Digital Risk performed a "Valuation Review," which included the following:

a. <u>Review Appraisal</u> 

b. Digital Risk's review will include a review of the valuation materials utilized during the
origination of the loan and in confirming the value of the underlying property. Digital Risk's review will include verifying
the appraisal report:

c. On the appropriate appraisal form:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. All elements of appraisal are present

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Ensure all applicable Loan documents match appraisal information

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Property is acceptable collateral for Loan program

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Completed by an appraiser that was actively licensed to perform the valuation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Completed such that the named client on the appraisal report is the lender or a related entity
that is permitted to engage the lender per Title XI of FIRREA, or if the appraisal was performed for another lender, the file contains
evidence that Client approved use of that appraisal

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. The original appraisal report is made and signed prior to the final approval of the closing of
the loan. Any revisions, if made known to Digital Risk, to the original report are documented and dated completed and dated within
the guideline's restrictions,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. The original appraisal is 'As is' or Inspection received including all inspections,
licenses, and certificates (including certificates of occupancy) to be made or issued with respect to all occupied portions of
the mortgaged property and with respect to the use and occupancy of the same, have been made or obtained from the appropriate authorities.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. Determine whether the appraised value is supported at or within 90% based on a third-party valuation
product. If a third-party valuation product is in file, but notes less than 90% of the appraised value or an inconclusive value,
Digital Risk will review other third-party product(s) in the file to ensure the correct value was applied per Client Guidelines.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;j. Other aspects of Digital Risk's review include (i) verifying that the address matched the
mortgage note, ((ii) if requested, noting whether the property zip code was declared a FEMA disaster area after the valuation date
and notifying the Client of same, (iii) confirming the appraisal report does not include any apparent environmental problems, (iv)
confirming the appraisal notes the current use of the property is legal or legal non-conforming (grandfathered), (v) reviewing
pictures to ensure (a) that the property is in average or better condition and any repairs are noted where required and (b) that
the subject property is the one for which the valuation was ordered and that if there are negative external factors, there is support
in the loan file of the Client's approval to waive the factor; and (vi) confirming that the value product that was used as
part of the origination decision conforms with rating agency requirements.

d. If more than one valuation was provided, Digital Risk will confirm consistency among the valuation
products and if there are discrepancies that could not be resolved, Digital Risk will create an exception and work with the client
on the next steps which may include ordering of additional valuation products such as collateral desktop analyses, broker's
price opinions, and full appraisals. If the property valuation products included in Digital Risk's review result in a variance
of more than 10% then the client will be notified of such variance.

e. Digital Risk will confirm to the extent possible, that the appraiser and the appraisal made by
such appraiser both satisfied the requirements of Title XI of FIRREA. Specifically, Digital Risk will review the appraisal for
conformity to industry standards, including ensuring the appraisal was complete, that the comparable properties and adjustments
were documented and that pictures were provided and were accurate.

f. In addition, Digital Risk will access the ASC database to verify that the appraiser, and if applicable
the appraiser's supervisor, were licensed and in good standing at the time the appraisal was completed.

**Data Discrepancy Report**

As part of the Credit and Compliance Reviews, Digital Risk captured data from the source documents and compared it to a data tape provided by Client. Digital Risk provided Client a Data Discrepancy Report which shows the differences between the tape data and the data captured by Digital Risk during the diligence process. Tape values that are blank indicate that the data was not provided on the provided data tape but Digital Risk captured it during the review. The percentages are based on a population of 28 properties (28 loans) where data validation was completed. The table below reflects the discrepancies inclusive of the blank data fields:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fields Reviewed** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;Location | &nbsp;&nbsp;1 | &nbsp;&nbsp;3.57% |
| &nbsp;&nbsp;Total Cash Reserves | &nbsp;&nbsp;3 | &nbsp;&nbsp;10.71% |

---

**Summary of Results**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Overall Loan Results:** | &nbsp;&nbsp;**Overall Loan Results:** | &nbsp;&nbsp;**Overall Loan Results:** | &nbsp;&nbsp;**Overall Loan Results:** |
| &nbsp;&nbsp;Event Grade | &nbsp;&nbsp;Loan Count | &nbsp;&nbsp;Original Principal Balance | &nbsp;&nbsp;Percent of Sample |
| &nbsp;&nbsp;Event Grade A | &nbsp;&nbsp;28 | &nbsp;&nbsp;$9560899.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Event Grade B | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Event Grade C | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Event Grade D | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total Sample** | &nbsp;&nbsp;28 | &nbsp;&nbsp;$9560899.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Credit Results:** | &nbsp;&nbsp;**Credit Results:** | &nbsp;&nbsp;**Credit Results:** | &nbsp;&nbsp;**Credit Results:** |
| &nbsp;&nbsp;Event Grade | &nbsp;&nbsp;Loan Count | &nbsp;&nbsp;Original Principal Balance | &nbsp;&nbsp;Percent of Sample |
| &nbsp;&nbsp;Event Grade A | &nbsp;&nbsp;28 | &nbsp;&nbsp;$9560899.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Event Grade B | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Event Grade C | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Event Grade D | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total Sample** | &nbsp;&nbsp;28 | &nbsp;&nbsp;$9560899.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Compliance Results:** | &nbsp;&nbsp;**Compliance Results:** | &nbsp;&nbsp;**Compliance Results:** | &nbsp;&nbsp;**Compliance Results:** |
| &nbsp;&nbsp;Event Grade | &nbsp;&nbsp;Loan Count | &nbsp;&nbsp;Original Principal Balance | &nbsp;&nbsp;Percent of Sample |
| &nbsp;&nbsp;Event Grade A | &nbsp;&nbsp;28 | &nbsp;&nbsp;$9560899.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Event Grade B | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Event Grade C | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Event Grade D | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total Sample** | &nbsp;&nbsp;28 | &nbsp;&nbsp;$9560899.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Valuation Results:** | &nbsp;&nbsp;**Valuation Results:** | &nbsp;&nbsp;**Valuation Results:** | &nbsp;&nbsp;**Valuation Results:** |
| &nbsp;&nbsp;Event Grade | &nbsp;&nbsp;Loan Count | &nbsp;&nbsp;Original Principal Balance | &nbsp;&nbsp;Percent of Sample |
| &nbsp;&nbsp;Event Grade A | &nbsp;&nbsp;28 | &nbsp;&nbsp;$9560899.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Event Grade B | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Event Grade C | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Event Grade D | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total Sample** | &nbsp;&nbsp;28 | &nbsp;&nbsp;$9560899.00 | &nbsp;&nbsp;100.00% |

---

**Event Grade Definitions**

---

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

---

---

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

---

---

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

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Valuation Event Grades** | &nbsp;&nbsp;**Valuation Event Grades** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;The valuation methodology complies with applicable underwriting guidelines and the value is supported within 90% of the original appraisal by the first third party valuation product. The appraisal was performed on an "as-is" basis and the property is complete and habitable at origination. The appraiser was appropriately licensed and used GSE approved forms. |
| &nbsp;&nbsp;B | &nbsp;&nbsp; The valuation methodology does not meet applicable published guidelines for the program. <br> The value is not supported within 90% of the original appraisal by the first third party valuation product but a second third party valuation product is provided and does support original appraised value within 90%.<br>The value is not supported within 90% of the original appraisal by the first third party valuation product; a second third party valuation product is provided and does not support the original appraised value within 90%; a third party value reconciliation product is then provided which reconciles the appraisal, first, and second valuation products, and supports within 90% of the appraisal. When a reconciliation supports the appraisal, first and second valuation products the lower of the appraised value and reconciliation will be used to establish lending value.<br>The appraisal was performed on an "as-is" basis and the property is complete and habitable. The appraiser was appropriately licensed and used GSE approved forms.  |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The valuation methodology does not meet every applicable published guideline for the program. The value is not supported within 90% of the original appraisal by any of the third-party valuation products or the reconciliation. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;The file was missing the appraisal or there was not sufficient valuation documentation to perform a review. |

---

## Exhibit 99.6

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

**Exhibit 99.6 – Schedule 1**

---

| | |
|:---|:---|
| **Loan Count:** | 28 |

---

---

| | | |
|:---|:---|:---|
| **Fields Reviewed** | **Count** | **Percentage** |
| Location | 1 | 3.57% |
| Total Cash Reserves | 3 | 10.71% |

---

---

| | |
|:---|:---|
| **Loan Count:** | 28 |

---

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Audit ID** | **Loan Number** | **Loan ID** | **Borrower Last Name** | **Field** | **Tape Data** | **Review Data** |
| XXXX | XXXX | 9139615 | XXXX | Total Cash Reserves | XXXX | XXXX |
| XXXX | XXXX | 9139616 | XXXX | Total Cash Reserves | XXXX | XXXX |
| XXXX | XXXX | 9139644 | XXXX | Total Cash Reserves | XXXX | XXXX |
| XXXX | XXXX | 9139654 | XXXX | Location | XXXX | XXXX |

---

## Exhibit 99.6

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

**Exhibit 99.6 – Schedule 2**

---

| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Loan ID** | **Finding #** | **Last Name** | **Note Date** | **Audit Category** | **Audit Issue** | **Finding ID** | **Exception Finding** | **Remediation Status** | **Exception Rebuttal** | **Exception Response** | **Status Comment** | **Compensating Factors** | **Initial Findings Grade** | **Final Findings Grade** | **Initial Loan Grade** | **Final Loan Grade** |
| XXXX | 8191363 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 8191363 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 8191363 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The file contains a CDA which supports the opinion of value in the origination report. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 9139647 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 9139647 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 9139647 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated 02/10/2025 which supports the appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 9128261 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 9128261 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 9128261 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 9128262 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 9128262 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 9128262 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 9139608 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 9139608 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 9139608 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated 01/03/2025 which supports the appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 9139652 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 9139652 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 9139652 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated 02/12/2025 which supports the appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 9139633 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 9139633 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 9139633 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated 04/02/2025, which supports the appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 9139609 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 9139609 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 9139609 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated 02/19/2025, which supports the original appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 9139610 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 9139610 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 9139610 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated 02/19/2025, which supports the original appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 9139611 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 9139611 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 9139611 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated 02/26/2025, which supports the original appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 9139650 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 9139650 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 9139650 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated 03/11/2025, which supports the original appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 9139653 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 9139653 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 9139653 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated 02/27/2025 which supports the appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 9139638 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 9139638 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 9139638 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated 03/10/2025 which supports the appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 9139644 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 9139644 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 9139644 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 9139614 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 9139614 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | Income - Other | XXXX | The Executive Approval indicates AirDNA and U/W Calculation Worksheet were used for approval of STR Rents in the amount of $XXXX. The loan file is missing both the AirDNA and U/W Calculation Worksheet. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXXPM)<br> STR Rent and AirDNA provided<br>**  | **Response 1 (XX/XX/XXXX XXXXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 9139614 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a 2nd appraisal which supports the opinion of value in the origination appraisal report. |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 9139651 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 9139651 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 9139651 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated 03/03/2025, which supports the original appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 9139634 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 9139634 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 9139634 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated 03/14/2025, which supports the appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 9139612 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 9139612 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 9139612 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated 03/20/2025 which supports the appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 9139646 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 9139646 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 9139646 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated 03/13/2025 which supports the appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 9139623 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | HUD1 - Not Final | XXXX | It could not be determined that the HUD-1/Alta Settlement Statement provided in the loan file was the FINAL binding HUD-1/ Alta Settlement Statement. Real Estate Settlement Procedures Act (Regulation X) 12 CFR 1024.8, Appendix A | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXXPM)<br> Provided Final (Signed) HUD<br>**  | **Response 1 (XX/XX/XXXX XXXXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 9139623 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 9139623 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated 03/17/2025 which supports the appraised value. |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 9139622 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 9139622 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 9139622 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated 03/07/2025, which supports the original appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 9139615 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 9139615 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 9139615 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated 03/27/2025, which supports the original appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 9139616 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 9139616 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 9139616 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated 03/27/2025, which supports the original appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 9139654 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 9139654 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 9139654 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated 04/09/2025, which supports the original appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 9139640 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 9139640 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 9139640 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated 04/03/2025 which supports the appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 9139632 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 9139632 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 9139632 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated 04/07/2025, which supports the original appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 9139655 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 9139655 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 9139655 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated 04/09/2025 which supports the appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 9139636 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 9139636 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 9139636 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |  |  |  |  |  | 1 | 1 | 1 | 1 |

---

## Exhibit 99.6

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

**Exhibit 99.6 – Schedule 3**

---

| | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Loan ID** | **Original Loan Amount** | **Initial Rating** | **Final Rating** | **Initial Credit Rating** | **Final Credit Rating** | **Initial Compliance Rating** | **Final Compliance Rating** | **Initial Property Valuation Rating** | **Final Property Valuation Rating** |
| XXXX | 9139653 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 9139652 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 9139608 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 9139609 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 9139610 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 9139611 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 9139646 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 9139623 | XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| XXXX | 9139651 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 9139622 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 9139644 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 9139647 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 9139612 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 9139650 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 9128261 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 9128262 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 9139633 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 9139636 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 9139634 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 9139632 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 9139614 | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 9139638 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 9139640 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 9139655 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 9139654 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 9139615 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 9139616 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 8191363 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |

---

## Exhibit 99.6

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

**Exhibit 99.6 – Schedule 4**

Valuation Securitization Report

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **BPO VALUES** | **BPO VALUES** | **BPO VALUES** | **BPO VALUES** | **BPO VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **OTHER VALUES** | **OTHER VALUES** | **OTHER VALUES** | **OTHER VALUES** | **OTHER VALUES** | **UPDATED MULTIPROPERTY VALUES** | **UPDATED MULTIPROPERTY VALUES** | **UPDATED MULTIPROPERTY VALUES** |  |  |
| **Customer Loan ID** | **Seller Loan ID** | **Subject Address** | **Subject City** | **Subject State** | **Subject Zip** | **Note Date** | **Original Loan Amount** | **Sales Price** | **PIW Indicator** | **Appraised Value** | **Value for LTV** | **Appraisal Form Type** | **Appraisal Date** | **Appraisal Company Name** | **AVM Confidence Score** | **AVM FSD Score** | **Market Condition** | **Second Appraisal Value** | **Variance Amount** | **Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Confidence Score** | **AVM FSD Score** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Risk Score** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** |
| XXXX | 8191363 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 9139615 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 9139614 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  | XXXX | XXXX | 0.643% | XX/XX/XXXX | 1004 |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 9139651 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 9139622 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 9128261 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 9139653 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 9139608 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 9139616 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 9128262 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 9139652 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 9139610 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 9139646 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 9139612 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 9139632 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 9139644 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 9139609 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 9139634 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 9139636 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 9139611 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 9139623 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 9139633 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 9139654 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 9139647 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 9139655 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 9139650 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 9139640 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 9139638 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.7

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

**Exhibit 99.7**

![](ex997001.jpg)

**Selene Diligence LLC ("Selene") Due <br> Diligence Review Narrative ("Report")**

Selene's Report, which is to be made available to the recipients by the Client, includes the loan level results of Selene's independent, third-party due diligence review conducted on behalf of the Client. The scope of review for these loans is as follows:

**DESCRIPTION OF SERVICES:**

&nbsp;&nbsp;&nbsp;&nbsp;**(1) Type of assets that were reviewed.**

Selene Diligence LLC performed certain due diligence services described below on residential mortgage loans originated by numerous entities and obtained by Morgan Stanley Mortgage Capital Holdings LLC and/or its affiliates ("Client"). The review was conducted between December 2024 and June 2025, via files imaged and provided for review (the "Review").

&nbsp;&nbsp;&nbsp;&nbsp;**(2) Sample size of the assets reviewed.**

This Review consisted of 100% of the loan population.

**FINAL SECURITIZATION POPULATION**

Selene was instructed to perform a review on a population totaling 44 ATR-QM Exempt loans and 44 Non-QM loans for a total of 88 loans the "Final Securitization Population").

*<u>Credit Reviews (88):</u>*

During the Review, Selene performed a credit review on 88 mortgage loans in the Final Securitization Population.

*<u>Compliance Review (88)</u>*

During the Review, Selene performed a compliance review, when applicable on 88 mortgage loans in the Final Securitization Population.

*<u>Valuation Reviews (88):</u>*

During the Review, Selene performed a property valuation review on 88 mortgage loans in the Final Securitization Population.

*<u>Data Integrity Review (88):</u>*

During the Review, Selene performed a Data Integrity Review on 88 mortgage loans in the Final Securitization Population.

**<u>FINAL SECURITIZATION POPULATION</u>**

After Selene's initial review was completed, the Client provided Selene with a confirmed list of 88 mortgage loans that formed the Final Securitization Population. The table below summarizes the reviews conducted by Selene.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Review** | &nbsp;&nbsp;**Reviewed Total** | &nbsp;&nbsp;**% of Final Securitization Population** |
| &nbsp;&nbsp;Credit Population | &nbsp;&nbsp;88 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Compliance Population | &nbsp;&nbsp;88 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Valuation Population | &nbsp;&nbsp;88 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Data Integrity Population | &nbsp;&nbsp;88 | &nbsp;&nbsp;100% |

---

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

The Review was conducted with sample size criteria that has been communicated by the Client to Selene to be consistent with the criteria for the nationally recognized statistical ratings organizations identified in Item 3 of the ABS Due Diligence-15E.s, S&P Global Ratings ("S&P"), DBRS, Inc. ("DBRS"), and Kroll Bond Rating Agency ("Kroll"), (the "NRSRO(s)").

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

Where available, Selene compared the data fields on the bid tape provided by the Client to the data found in the actual loan file as captured by Selene. This information may not have been available for all mortgage loans.

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

Selene assessed the underwriting guidelines and compared the documentation in the loan file against the stated guidelines for adherence.

**<u>GUIDELINES</u>**

CV3 Financial Services Underwriting Procedures, LoanStream One Guide, Business Purpose Capital Long Term Rental Guidelines, 5<sup>th</sup> Street Capital Underwriting Guidelines, Kind Lending Non-Agency Program Guidelines, Easy Street Easy Rent DSCR Guidelines (the "Guidelines").

**<u>LOAN GRADING</u>**

The Guidelines referenced above served as the benchmark for grading loans with respect to credit, compliance, underwriting, property valuation and data integrity. Each loan received an "initial" and a "final" grade. The "initial" grade was assigned during the initial loan review. The "final" grade considers additional information and supporting documentation that may have been provided by the originators to clear outstanding conditions. Selene's loan grading is solely based on Selene's independent assessment of all Guideline exceptions and compensating factors for each of the component reviews. Selene is providing a comprehensive loan-level analysis that includes initial grades, final grades and detailed commentary on the rationale for any changes in grades and sets forth compensating factors and waivers.

Page **2** of **15**

**<u>SCOPE OF REVIEW</u>**

Selene examined the selected loan files with respect to the presence or absence of relevant documents, enforceability of mortgage loan documents, and accuracy and completeness of data fields. Selene relied on the accuracy of information contained in loan documentation provided to Selene (for more detail, please refer to Appendix A, B, and C, attached hereto).

**CREDIT REVIEW**

Selene's credit scope of review conducted on this transaction included the following elements:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Assessed
 whether the characteristics of the mortgage loans and the borrowers conformed to the
 Guidelines cited above;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Re-calculated
LTV, CLTV, income, liabilities and compared these against the Guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Analyzed
 asset statements to determine whether funds to close and reserves were within the Guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Confirmed
that credit scores (FICO) and credit histories were within the Guidelines.

**COMPLIANCE REVIEW**

Selene's compliance scope determined whether the mortgage loans comply with the Federal Truth in Lending Act, the Federal Real Estate Settlement Procedures Act, Sections 1098 and 1100A of Dodd Frank, Sections 1411 and 1412 of the Wall Street Reform and Consumer Protection Act, and the Equal Credit Opportunity Act.

**PROPERTY VALUATION REVIEW**

Selene's Property Valuation scope of review conducted on this transaction included the following elements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• **Original Appraisal Assessment**

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• **Value Supported Analysis**

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

Page **3** of **15**

**DATA INTEGRITY REVIEW**

Selene uploads tape data into its due diligence application and compares it to the actual documents provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Tape data received from lender/client is stored in a secured FTP folder;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Tape data is uploaded into the application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Loan Reviewer collects validated loan data;

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Discrepancies found during comparison are stored and reported.

Selene provided the Client with a copy of the initial loan level tape discrepancy report which shows the differences between the data received by the Client versus the data captured by Selene during the loan review.

**<u>SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW</u>**

The NRSRO criteria referenced for this report and utilized for grading descriptions is based upon the requirements of the NRSROs.

With respect to the Final Securitization Population, Selene conducted (i) a Credit Review on 88 mortgage loans, (ii) a Compliance Review on 88 mortgage loans (iii) a Valuation Review on 88 mortgage loans, and (iv) a Data Integrity Review on 88 mortgage loans; the results of these reviews are discussed below. All grades shown below are based upon the NRSRO grading methodologies utilized by the NRSROs.

**REVIEW RESULTS SUMMARY**

After review of the 88 mortgage loans; 82 mortgage loans had a rating grade of A, 6 mortgage loan had a rating grade of B, 0 mortgage loans had a rating grade of C, and 0 mortgage loans had a rating grade of D.

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| |  |  |  | &nbsp;&nbsp;***Grades per loan (88 overall loans):*** | &nbsp;&nbsp;***Grades per loan (88 overall loans):*** | &nbsp;&nbsp;***Grades per loan (88 overall loans):*** |  |  |  |
| | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** |
| <br>&nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**Kroll** | &nbsp;&nbsp;**%** | <br>&nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**Kroll** | &nbsp;&nbsp;**%** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;15 | &nbsp;&nbsp;15 | &nbsp;&nbsp;15 | &nbsp;&nbsp;17.05% | &nbsp;&nbsp;A | &nbsp;&nbsp;82 | &nbsp;&nbsp;82 | &nbsp;&nbsp;82 | &nbsp;&nbsp;93.18% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;B | &nbsp;&nbsp;6 | &nbsp;&nbsp;6 | &nbsp;&nbsp;6 | &nbsp;&nbsp;6.82% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;34 | &nbsp;&nbsp;34 | &nbsp;&nbsp;34 | &nbsp;&nbsp;38.64% | &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;39 | &nbsp;&nbsp;39 | &nbsp;&nbsp;39 | &nbsp;&nbsp;44.32% | &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

Page **4** of **15**

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** |  |
| | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** | | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** |
| <br>&nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**Kroll** | &nbsp;&nbsp;**%** | <br>&nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**Kroll** | &nbsp;&nbsp;**%** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;88 | &nbsp;&nbsp;88 | &nbsp;&nbsp;88 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;A | &nbsp;&nbsp;82 | &nbsp;&nbsp;82 | &nbsp;&nbsp;82 | &nbsp;&nbsp;93.18% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;B | &nbsp;&nbsp;6 | &nbsp;&nbsp;6 | &nbsp;&nbsp;6 | &nbsp;&nbsp;6.82% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
|  | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** |  |  |  |  |  |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**Kroll** | &nbsp;&nbsp;**%** |  |  |  |  |  |
| &nbsp;&nbsp;A | &nbsp;&nbsp;88 | &nbsp;&nbsp;88 | &nbsp;&nbsp;88 | &nbsp;&nbsp;100.00% |  |  |  |  |  |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |  |  |  |  |  |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |  |  |  |  |  |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |  |  |  |  |  |

---

**<u>REVIEW RESULTS SUMMARY (EXCEPTION LISTING)</u>**

Review of the Final Grading Summary (redacted) provides the exceptions in detail and the migration from the initial rating agency grade to the final rating agency grade, based on mitigation/resolution from the client.

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

Please be further advised that Selene does not employ personnel who are licensed to practice law in the various jurisdictions, and the findings set forth in the reports prepared by Selene do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to Selene. Information contained in any Selene report related to the applicable statute of limitations for certain claims may not be accurate or reflect the most recent controlling case law. Further, a particular court in a particular jurisdiction may extend, not enforce or otherwise allow claims beyond the statute of

Page **5** of **15**

limitations identified in the report based on certain factors, including the facts and circumstances of an individual mortgage loan. Risk levels associated with a loan may have changed an exception level, given rating agency published guidance, written guidance, or other guidance from the rating agency team on the transaction. All final decisions as to whether to purchase or enter into a transaction related to any individual mortgage loan or the mortgage loans in the aggregate, any investment strategy and any legal conclusions, including the potential liability related to the purchase or other transaction involving any such mortgage loan or mortgage loans, shall be made solely by the Client, or other agreed upon party, that has engaged Selene to prepare its reports pursuant to its instructions and Guidelines. The Client, or other agreed upon party, acknowledges and agrees that the scoring models applied by Selene are designed to identify potential risk and the Client, or other agreed upon party, assumes sole responsibility for determining the suitability of the information for its particular use. Selene does not make any representation or warranty as to the value of any mortgage loan or mortgage loans collateral that has been reviewed by Selene.

**<u>THIRD PARTY REVIEW REPORTING DELIVERED</u>**

Selene furnished the following reports on this transaction:

1. Selene
Narrative Report

2. ASF
Report

3. Grading
Summary

4. Exception
Detail

5. Tape
Discrepancies

6. Valuations
Report

7. Supplemental
Data

8. Third
Party (TPR) Attestation Form

9. Attestation
Form 15E

Page **6** of **15**

**APPENDIX A – CREDIT REVIEW SCOPE**

Selene reviewed the origination documentation contained in the mortgage loan file to determine conformity to the stated underwriting or credit extension guidelines, standards, criteria or other requirements that are provided to Selene and/or as directed by Client. When applicable, a review of the mortgage loan file to the Automated Underwriting System output within the file was also performed.

**Credit Application**

For the Credit Application, Selene verified whether:

&nbsp;&nbsp;&nbsp;&nbsp;1. The
 application is signed by all listed borrowers;

&nbsp;&nbsp;&nbsp;&nbsp;2. The
 application is substantially filled out; and

&nbsp;&nbsp;&nbsp;&nbsp;3. All
 known borrower-owned properties are disclosed on the Real Estate Owned section.

**Credit Report**

Selene verified:

&nbsp;&nbsp;&nbsp;&nbsp;1. A
 credit report and/or other credit history documentation is present for each borrower;

&nbsp;&nbsp;&nbsp;&nbsp;2. Capture
 the monthly consumer debt payments for use in the debt to income and/or residual income
 calculation, as applicable;

&nbsp;&nbsp;&nbsp;&nbsp;3. Note
 the Real Estate Owned and fraud alerts; and

&nbsp;&nbsp;&nbsp;&nbsp;4. Gather
 data required for ASF Report submission which may include:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) Most
 recent FICO Score (scores from Equifax, Experian, and Transunion if available)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) Most
 recent FICO date

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) Longest
 Trade Line

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) Maximum
 Trade Line

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e) Number
 of trade lines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f) Credit
 Usage Ratio

**Employment and Income**

Selene determined whether all applicable supporting documentation as required by the guidelines is in the file and note indications of potentially fraudulent documents. The documentation was also be used to verify whether the income used to qualify the loan was calculated in accordance with applicable guidelines. Documentation verifying employment and income may include:

&nbsp;&nbsp;&nbsp;&nbsp;1. Verbal
 or Written VOE's

&nbsp;&nbsp;&nbsp;&nbsp;2. Pay
 stubs

&nbsp;&nbsp;&nbsp;&nbsp;3. W-2
 forms

&nbsp;&nbsp;&nbsp;&nbsp;4. Tax
 returns

&nbsp;&nbsp;&nbsp;&nbsp;5. Financial
 statements

&nbsp;&nbsp;&nbsp;&nbsp;6. Award
 letters

&nbsp;&nbsp;&nbsp;&nbsp;7. Bank
 statements

Page **7** of **15**

**Asset Review**

Selene assessed whether the asset documentation required by the guidelines is present in the file. In addition, a review of the reserve calculation was performed. Documentation verifying assets for down payment, closing costs, prepaid items and reserves may include:

&nbsp;&nbsp;&nbsp;&nbsp;1. VOD's

&nbsp;&nbsp;&nbsp;&nbsp;2. Depository
 account statements

&nbsp;&nbsp;&nbsp;&nbsp;3. Stock
 or security account statements

&nbsp;&nbsp;&nbsp;&nbsp;4. Gift
 funds

&nbsp;&nbsp;&nbsp;&nbsp;5. Settlement
 statement or other evidence of conveyance and transfer of funds if a sale of assets was
 involved

**Hazard/Flood insurance** 

A review of the insurance present on the loan was also be performed:

&nbsp;&nbsp;&nbsp;&nbsp;1. Verify
 that the hazard insurance meets the minimum required amount of coverage in the guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;2. For
 condominium properties, confirm that the blanket policy meets the minimum amount of coverage;

&nbsp;&nbsp;&nbsp;&nbsp;3. Confirm
 that the flood cert is for the correct borrower, property, lender and loan number and
 is a "Life of Loan" certification;

&nbsp;&nbsp;&nbsp;&nbsp;4. For
 properties is in a flood zone per the flood cert, confirm that flood insurance in the
 file meets the minimum required amount of coverage and meets guideline requirements;

&nbsp;&nbsp;&nbsp;&nbsp;5. Confirm
 that the mortgagee clause lists the lender's name and "its successors and
 assigns"; and

&nbsp;&nbsp;&nbsp;&nbsp;6. Confirm
 that the premium amount on both the hazard and flood insurance match what was used in
 the DTI calculations.

**Title**

Verified whether the appropriate vestee is on the title document: if a purchase, the seller; if a refinance, the borrower and review the Title Commitment for the disclosure issues.

**Fraud**

To the extent potentially fraudulent activity is identified as part of the document review, such information was reported to Client. In addition, when required, Selene looked for an independent, third party fraud report in each file and will review the results of the fraud report in conjunction with source documents found in the file to assess the likelihood of any misrepresentations associated with the origination of the loan. If the loan does not contain a fraud report and the counterparty cannot produce one, Selene conditioned the loan for the missing product.

On this Fraud report Selene:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Reviewed
for any name variations for the borrowers and confirm that the variations have been addressed in the loan file;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Reviewed
for any social security number variations for the borrowers and confirm that the variations have been addressed in the loan file;

Page **8** of **15**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Reviewed
for any potential occupancy issues based on the borrowers' address history and confirm that any issues have been addressed
in the loan file;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Reviewed
for any employment issues and confirm that any issues have been addressed in the loan file;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Reviewed
for any additional consumers associated with the borrowers' profiles and confirm the materiality and material issues have
been addressed in the loan file; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Addressed
all red flag issues.

**Additional Review**

Selene's review procedures also included:

&nbsp;&nbsp;&nbsp;&nbsp;1. A
 review of the completeness and accuracy of the information obtained in the mortgage origination
 process;

&nbsp;&nbsp;&nbsp;&nbsp;2. A
 review of closing documents to ensure that the mortgage file information is complete,
 accurate, and consistent with other documents in the mortgage file;

&nbsp;&nbsp;&nbsp;&nbsp;3. Selene
 will review the mortgage file documents to determine that the mortgage was properly underwritten;

&nbsp;&nbsp;&nbsp;&nbsp;4. Verification
 that the DTI, LTV, asset reserves, property type, transaction type (maximum loan amount,
 loan purpose, occupancy, etc.), and FICO scores meet or exceed the guideline requirements;

&nbsp;&nbsp;&nbsp;&nbsp;5. Verification
 that all borrowers are eligible based on the guidelines and information in the loan file;
 and

&nbsp;&nbsp;&nbsp;&nbsp;6. Verify
 there is appropriate documentation present to confirm that applicable documents have
 been recorded or have been sent for recording.

Page **9** of **15**

**APPENDIX B – COMPLIANCE REVIEW SCOPE**

Selene reviewed the Non-QM loans to determine, as applicable, to the extent possible and/or applicable and subject to the caveats below, whether the loan complies with:

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

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

i) failure to provide the right of rescission notice;

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

iii) errors in the right of rescission notice;

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) <u>TIL Disclosure (§§1026.17, 18 and 19):</u> 

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

ii) proper execution by all required parties;

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

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

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

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

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

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

i) points and fees threshold test;

ii) APR threshold test;

iii) prepayment penalty test; and

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

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

i) APR threshold test; and <br> ii) compliance with the escrow account and appraisal requirements.

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

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

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

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

Page **10** of **15**

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Good Faith Estimate (GFE) (§1024.7):</u> 

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) <u>Final HUD-1/A Settlement Statement (HUD) (§1024.8):</u> 

i) confirm current applicable HUD form was provided;

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) <u>GFE and Final HUD Comparison (§1024.7):</u> 

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

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

Page **11** of **15**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

v) confirm if the file indicates a fee was imposed, other than for a credit report, prior to borrower receiving LE and indicating an intent to proceed with the transaction;

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

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

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

ix) confirm borrower received LE not later than four (4) business days prior to consummation; and

x) confirm LE was not provided to the borrower on or after the date of the CD.

Page **12** of **15**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) <u>Closing Disclosure (CD) (§§1026.19 and 38):</u> 

i) confirm the presence of CD for applications on or after October 3, 2015;

ii) confirm the borrower received CD at least three (3) business days prior to consummation, or that such period was waived due to a bona fide financial emergency;

iii) confirm that certain sections of each CD determined to carry assignee liability were accurately completed and that information was reflected in the appropriate locations, which, in certain instances, was based solely on the information disclosed on the CD;

iv) confirm that a revised CD was received in a timely manner if the initial or any revised CD became inaccurate;

v) identify tolerance violations based on the charges disclosed on the initial and interim LE's, initial CD, and reflected on the final CD;

vi) with respect to tolerance violations based on the disclosed charges on the LE and CD, confirm that the creditor cured the violations no later than 60 days after consummation, or within 60 days of discovery; and

vii) with respect to applicable exception remediation measures for numerical exceptions, confirm that a letter of explanation, as well as a refund as applicable, was delivered or placed in the mail no later than 60 days after discovery of the exception establishing the need for a revised CD or with respect to exception remediation measures for non-numerical exceptions, that a corrected CD was delivered or placed in the mail no later than 60 days after consummation. (In an attempt to establish a best practices approach to pre-securitization due diligence, as it applies to TILA RESPA Integrated Disclosure testing, the Structured Finance Industry Group ("SFIG") has a working group that consists of industry participants including third party review providers and law firms who are discussing a standardized approach to remediation considerations. This approach is intended to be based on a reasoned legal analysis that expressly assumes that courts will interpret TRID in accordance with the principals of liability set forth in the letter to the MBA from Richard Cordray, the Director of the CFPB. No assurances can be provided that the courts in question will interpret TRID in accordance with the SFIG industry group proposal.)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) <u>Your Home Loan Toolkit (§1026.19):</u> 

i) confirm the presence of Your Home Loan Toolkit in the mortgage loan file or that the mortgage loan file contains documentary evidence that the disclosure was provided to the borrower; and

ii) confirm Your Home Loan Toolkit was delivered or placed in the mail not later than three (3) business days after receipt of application

**4.** **Sections 1411 and 1412 of the Dodd-Frank Wall Street Reform and Consumer Protection Act amending TILA, as implemented by Regulation Z, 12 C.F.R. 1026.43, as set forth below:** 

&nbsp;&nbsp;&nbsp;&nbsp;a) the
 general Ability to Repay ("ATR") underwriting standards (12 C.F.R. 1026.43(c));

&nbsp;&nbsp;&nbsp;&nbsp;b) refinancing
 of non-standard mortgages (12 C.F.R. 1026.43(d)); and

&nbsp;&nbsp;&nbsp;&nbsp;c) Balloon-payment
 qualified mortgages made by certain creditors (12 C.F.R. 1026.43(f)).

Page **13** of **15**

<u>General Ability to Repay</u>

Selene reviewed the applicable mortgage loans to determine whether, based on available information in the mortgage loan file, the creditor considered, as applicable, the following eight underwriting factors, and verified such information using reasonably reliable third-party records, at or before consummation: (i) the consumer's current or reasonably expected income or assets, (ii) if the creditor relied on income from the consumer's employment in determining repayment ability (the consumer's current employment status); (iii) the consumer's monthly payment; (iv) the consumer's monthly payment on any simultaneous loan that the creditor knows or has reason to know will be made; (v) the consumer's monthly payment for mortgage-related obligations; (vi) the consumer's current debt obligations, alimony, and child support; (vii) the consumer's monthly debt-to-income ratio or residual income; and (viii) the consumer's credit history. This portion of the Review also focuses on full recalculation of income and debts, as well as the documentation provided to support each item used in originator's determination of the ability to repay.

Selene reviewed the mortgage loans to determine their conformity with the ATR/QM factors above, and is not rendering an independent assessment or opinion, warranting or representing that a mortgage loan will be deemed to conform to Safe Harbor, Rebuttable Presumption, ATR or other status based on any additional or revised factors that may be considered by legislative, regulatory, administrative or judicial authorities ("Authorities"). Selene does not represent or warrant that the factors for which it is reviewing the mortgage loans constitute all of the factors and/or criteria that Authorities may consider in determining the status of a mortgage loan. Selene's review is based on information contained in the mortgage loan file at the time it is provided to Selene to review, and only reflects information as of that point in time.

**5.** **The Equal Credit Opportunity Act, as implemented by Regulation B, 12 C.F.R. Part 1002, as set forth below:** 

a) Providing Appraisals and Other Valuations (12 C.F.R. 1002.14):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) timing
and content of the right to receive copy of appraisal disclosure;

ii) charging of a fee for a copy of the appraisal or other written valuation;

iii) timing of creditor providing a copy of each appraisal or other written valuation; and

iv) with respect to a borrower that has waived the three (3) business day disclosure requirement, confirm that (a) the borrower has signed the waiver or other acknowledgment at least three (3) business days prior to consummation; and (b) that the lender has provided copies of appraisals and other written valuations at or prior to consummation.

**6.** **The disclosure requirements and prohibitions of Section 50(a)(6), Article XVI of the Texas Constitution and associated regulations;** 

Page **14** of **15**

**APPENDIX C – VALUATION REVIEW SCOPE**

Selene reviewed the valuation materials utilized during the origination of the loan which confirmed the value of the underlying property. Selene verified the appraisal report was (i) on the appropriate GSE form, (ii) materially complete, (iii) in conformity with the guideline requirements for the property type in question, (iv) completed by an appraiser that was actively licensed to perform the valuation, (v) completed such that the named client on the appraisal report is the lender or a related entity that is permitted to engage the lender per Title XI of FIRREA, (vi) made and signed prior to the final approval of the mortgage loan application, (vii) completed and dated within the guidelines restrictions, (vii) made on an "as is" basis or provides satisfactory evidence of completion of all material conditions including all inspections, licenses, and certificates (including certificates of occupancy) to be made or issued with respect to all occupied portions of the mortgaged property and with respect to the use and occupancy of the same, have been made or obtained from the appropriate authorities; and (viii) noting whether the property zip code was declared a FEMA disaster area after the valuation date and notifying the Client of same.

If more than one valuation is provided for review, Selene confirmed consistency among the valuation products and if there are discrepancies that cannot be resolved, Selene created an exception and worked with the Client on the next steps, which may include ordering of additional valuation products such as collateral desktop analyses, broker's price opinions, and full appraisals. If the property valuation products included in Selene's review results in a variance of more than 10% then the Client shall be notified of such variance and a second independent valuation product shall be ordered. On all loans, Selene makes a determination as to whether appraised value is supported based on documentation available at the time of review and adds exceptions or comments as appropriate.

Selene confirmed consistency among the valuation products and where applicable, if there was a discrepancy in value between two appraisals in the form of a variance greater than 10%, Selene would review the file for a desktop analysts/evaluation of the appraisals and determine which appraised value was used for qualification purposes. If there were discrepancies that could not be resolved, Selene created an exception and worked with the client on the next steps for resolution.

Disclaimer

○ The individuals performing the aforementioned original appraisal assessment are not persons providing valuations for purposes of the Uniform Standards of Professional Appraisal Practice ("USPAP") or necessarily licensed as appraisers under Federal or State law, and the services being performed by such persons do not constitute "appraisal reviews" for purposes of USPAP or Federal or State law.

○ Selene makes no representation or warranty as to the value of any mortgaged property, notwithstanding that Selene may have reviewed valuation information for reasonableness.

○ Selene is not an 'AMC' (appraisal management company) and therefore Selene does not opine on the actual value of the underlying property.

● Selene is not a 'creditor' within the meaning of ECOA or other lending laws and regulations, and therefore Selene will not have any communication with or responsibility to any individual consumer concerning property valuation.

● Selene does not confirm whether the appraiser is on the Freddie Mac exclusionary list.

Page **15** of **15**

## Exhibit 99.7

[MORGAN STANLEY CAPITAL I INC. ABS-15G](msrm-abs15g.htm)

**Exhibit 99.7 – Schedule 1**

---

| | | | |
|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** |
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| 8995896 |  | XXXX | XXXX A |
| 9069074 |  | XXXX | XXXX A D |
| 9113559 |  | XXXX | XXXX C A D |
| 9066873 |  | XXXX | XXXX A |
| 9069028 |  | XXXX | XXXX D C A |
| 9066700 |  | XXXX | XXXX D A |
| 9129170 |  | XXXX | XXXX A |
| 9129180 |  | XXXX | XXXX C A |
| 9129188 |  | XXXX | XXXX A |
| 9129200 |  | XXXX | XXXX C D A |
| 9129177 |  | XXXX | XXXX A D |
| 9113555 |  | XXXX | XXXX D A |
| 9113549 |  | XXXX | XXXX D A |
| 9120568 |  | XXXX | XXXX C A B |
| 9113554 |  | XXXX | XXXX D A |
| 9129206 |  | XXXX | XXXX D A |
| 9129207 |  | XXXX | XXXX D A |
| 9129208 |  | XXXX | XXXX D A |
| 9129223 |  | XXXX | XXXX D A |
| 9129226 |  | XXXX | XXXX A |
| 9129230 |  | XXXX | XXXX C A |
| 9129237 |  | XXXX | XXXX A |
| 9129238 |  | XXXX | XXXX C A |
| 9129241 |  | XXXX | XXXX C A |
| 9129242 |  | XXXX | XXXX D A |
| 9129252 |  | XXXX | XXXX A |
| 9129276 |  | XXXX | XXXX A |
| 9129281 |  | XXXX | XXXX A |
| 9129286 |  | XXXX | XXXX A |
| 9129289 |  | XXXX | XXXX C A |
| 9129292 |  | XXXX | XXXX C A |
| 9129294 |  | XXXX | XXXX C A |
| 9129300 |  | XXXX | XXXX A |
| 9129301 |  | XXXX | XXXX C A |
| 9129302 |  | XXXX | XXXX C A B |
| 9129306 |  | XXXX | XXXX D A |
| 9128074 |  | XXXX | XXXX C A B |
| 9128066 |  | XXXX | XXXX C A |
| 9128070 |  | XXXX | XXXX C A D |
| 9128067 |  | XXXX | XXXX C A |
| 9128069 |  | XXXX | XXXX C A |
| 9128073 |  | XXXX | XXXX C A |
| 9129311 |  | XXXX | XXXX A |
| 9129315 |  | XXXX | XXXX C A |
| 9129319 |  | XXXX | XXXX A |
| 9129326 |  | XXXX | XXXX D A |
| 9129338 |  | XXXX | XXXX C A |
| 9129340 |  | XXXX | XXXX A |
| 9129348 |  | XXXX | XXXX D A B |
| 9129351 |  | XXXX | XXXX D A |
| 9128075 |  | XXXX | XXXX C A D |
| 9128072 |  | XXXX | XXXX D A |
| 9128036 |  | XXXX | XXXX C A |
| 9066939 |  | XXXX | XXXX A C |
| 9127838 |  | XXXX | XXXX D C A |
| 9128077 |  | XXXX | XXXX D A |
| 9128022 |  | XXXX | XXXX D A |
| 9128035 |  | XXXX | XXXX D A |
| 9128003 |  | XXXX | XXXX D A |
| 9113556 |  | XXXX | XXXX C A |
| 9128023 |  | XXXX | XXXX C A |
| 9128031 |  | XXXX | XXXX C A |
| 9128064 |  | XXXX | XXXX D A |
| 9128010 |  | XXXX | XXXX D A |
| 9127820 |  | XXXX | XXXX D A |
| 9128026 |  | XXXX | XXXX C A |
| 9128038 |  | XXXX | XXXX D A C |
| 9127762 |  | XXXX | XXXX C A |
| 9128019 |  | XXXX | XXXX D A |
| 9128040 |  | XXXX | XXXX C A D |
| 9127784 |  | XXXX | XXXX A C |
| 9128045 |  | XXXX | XXXX C A |
| 9128053 |  | XXXX | XXXX D A |
| 9128005 |  | XXXX | XXXX D C A |
| 9128024 |  | XXXX | XXXX D A |
| 9128015 |  | XXXX | XXXX C A B |
| 9127910 |  | XXXX | XXXX D A |
| 9128000 |  | XXXX | XXXX C A |
| 9128012 |  | XXXX | XXXX D A |
| 9127726 |  | XXXX | XXXX C A |
| 9128006 |  | XXXX | XXXX C A |
| 9162871 |  | XXXX | XXXX C A B |
| 9128007 |  | XXXX | XXXX C A |
| 9128058 |  | XXXX | XXXX C A D |
| 9127862 |  | XXXX | XXXX A D |
| 9127989 |  | XXXX | XXXX A C |
| 9127870 |  | XXXX | XXXX C A |
| 9127719 |  | XXXX | XXXX A |

---

## Exhibit 99.7

[MORGAN STANLEY CAPITAL I INC. ABS-15G](msrm-abs15g.htm)

**Exhibit 99.7 – Schedule 2**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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** | **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** |
| 8995896 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 64.97 | 64.97 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 2.3 | XXXX |
| 9069074 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Loan Collateral Advisor (LCA) | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible |  | XXXX |
| 9113559 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | 0 | XXXX | Loan Collateral Advisor (LCA) | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible |  | XXXX |
| 9066873 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 9069028 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Loan Collateral Advisor (LCA) | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible |  | XXXX |
| 9066700 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 76.43 | 76.43 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Eligible | 1 | XXXX |
| 9129170 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX |  | XXXX |  | XXXX | 0 | XXXX | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 9129180 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 70.0 | 70.0 | XXXX |  | XXXX |  | XXXX | 0 | XXXX | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 9129188 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX |  | XXXX |  | XXXX | 0 | XXXX | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 9129200 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 80.0 | 80.0 | XXXX |  | XXXX |  | XXXX | 0 | XXXX | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 9129177 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | 75.0 | 75.0 | XXXX |  | XXXX |  | XXXX | 0 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 9113555 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 42.79 | 42.79 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 9113549 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 70.0 | 70.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 9120568 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 70.0 | 70.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 9113554 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 65.0 | 65.0 | XXXX | 0 | XXXX | Loan Collateral Advisor (LCA) | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible |  | XXXX |
| 9129206 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 2.3 | XXXX |
| 9129207 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1.2 | XXXX |
| 9129208 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 70.0 | 70.0 | XXXX |  | XXXX |  | XXXX | 0 | XXXX | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 9129223 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX |  | XXXX |  | XXXX | -18000 | XXXX | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | -18000 | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 9129226 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1.1 | XXXX |
| 9129230 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| 9129237 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| 9129238 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX |  | XXXX |  | XXXX | 0 | XXXX | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 9129241 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 80.0 | 80.0 | XXXX |  | XXXX |  | XXXX | 0 | XXXX | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 9129242 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX |  | XXXX |  | XXXX | 0 | XXXX | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 9129252 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| 9129276 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX |  | XXXX |  | XXXX | 0 | XXXX | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 9129281 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX |  | XXXX |  | XXXX | -7490 | XXXX | AVM |  |  |  |  |  | XXXX | -7490 | XXXX | 94.0 | 0.06 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 9129286 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 67.37 | 67.37 | XXXX |  | XXXX |  | XXXX | 0 | XXXX | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 9129289 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1.1 | XXXX |
| 9129292 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX |  | XXXX |  | XXXX | 0 | XXXX | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 9129294 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX |  | XXXX |  | XXXX | 0 | XXXX | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 9129300 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX |  | XXXX |  | XXXX | 0 | XXXX | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 9129301 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 9129302 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX |  | XXXX |  | XXXX | 0 | XXXX | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 9129306 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 2.5 | XXXX |
| 9128074 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1.9 | XXXX |
| 9128066 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 90.0 | 90.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 2.4 | XXXX |
| 9128070 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 53.45 | 53.45 | XXXX | 0 | XXXX | Loan Collateral Advisor (LCA) | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible |  | XXXX |
| 9128067 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 62.75 | 62.75 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 3.1 | XXXX |
| 9128069 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 3.6 | XXXX |
| 9128073 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.45 | 75.45 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 2.5 | XXXX |
| 9129311 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| 9129315 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX |  | XXXX |  | XXXX | 0 | XXXX | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 9129319 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 77.64 | 77.64 | XXXX |  | XXXX |  | XXXX | 0 | XXXX | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 9129326 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 77.86 | 77.86 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| 9129338 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1.2 | XXXX |
| 9129340 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX |  | XXXX |  | XXXX | 0 | XXXX | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 9129348 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX |  | XXXX |  | XXXX | -10000 | XXXX | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | -10000 | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 9129351 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 72.85 | 72.85 | XXXX |  | XXXX |  | XXXX | 0 | XXXX | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 9128075 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 51.72 | 51.72 | XXXX | 0 | XXXX | Loan Collateral Advisor (LCA) | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible |  | XXXX |
| 9128072 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 90.0 | 90.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 4.4 | XXXX |
| 9128036 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 51.22 | 51.22 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 2.5 | XXXX |
| 9066939 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 55.76 | 55.76 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible | 2.3 | XXXX |
| 9127838 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Eligible | 3.8 | XXXX |
| 9128077 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| 9128022 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 2 | XXXX |
| 9128035 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 2.4 | XXXX |
| 9128003 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 66.27 | 66.27 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| 9113556 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| 9128023 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Loan Collateral Advisor (LCA) | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible |  | XXXX |
| 9128031 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 53.94 | 53.94 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| 9128064 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 9128010 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| 9127820 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 85.0 | 85.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Eligible | 1 | XXXX |
| 9128026 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1.5 | XXXX |
| 9128038 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Loan Collateral Advisor (LCA) | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible |  | XXXX |
| 9127762 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 46.34 | 70.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Eligible | 1.3 | XXXX |
| 9128019 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| 9128040 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 31.91 | 31.91 | XXXX | 0 | XXXX | Loan Collateral Advisor (LCA) | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible |  | XXXX |
| 9127784 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 85.0 | 85.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Eligible | 1 | XXXX |
| 9128045 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 67.22 | 67.22 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1.9 | XXXX |
| 9128053 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 39.47 | 39.47 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 4.2 | XXXX |
| 9128005 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 77.27 | 77.27 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 2.6 | XXXX |
| 9128024 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| 9128015 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 5 | XXXX |
| 9127910 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 64.28 | 80.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible | 4.1 | XXXX |
| 9128000 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| 9128012 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | MODERATE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 9127726 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 79.76 | 79.76 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Eligible | 1 | XXXX |
| 9128006 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 40.01 | 40.01 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 2.6 | XXXX |
| 9162871 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 65.0 | 65.0 | XXXX |  | XXXX |  | XXXX |  | XXXX |  | XXXX | 0 | XXXX | XXXX | 1004 URAR |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 9128007 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 49.71 | 49.71 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 3 | XXXX |
| 9128058 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Loan Collateral Advisor (LCA) | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible |  | XXXX |
| 9127862 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 67.41 | 67.41 | XXXX | -35000 | XXXX | Desk Review | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | -35000 | XXXX | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 3 | XXXX |
| 9127989 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1.7 | XXXX |
| 9127870 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 84.9 | 84.9 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| 9127719 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 52.21 | 52.21 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |

---

## Exhibit 99.7

[MORGAN STANLEY CAPITAL I INC. ABS-15G](msrm-abs15g.htm)

**Exhibit 99.7 – Schedule 3**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 8995896 |  |  | XXXX | XXXX | titlePage | XXXX | XXXX | XXXX |
| 8995896 |  |  | XXXX | XXXX | propertyInsurancePage | XXXX | XXXX | XXXX |
| 9069074 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 9069074 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 9113559 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 9113559 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 9113559 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 9066873 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 9066873 |  |  | XXXX | XXXX | titlePage | XXXX | XXXX | XXXX |
| 9066873 |  |  | XXXX | XXXX | propertyInsurancePage | XXXX | XXXX | XXXX |
| 9069028 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 9069028 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 9069028 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 9066700 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| 9066700 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 9129188 |  |  | XXXX | XXXX | businessPurposePage | XXXX | XXXX | XXXX |
| 9129188 |  |  | XXXX | XXXX | businessPurposePage | XXXX | XXXX | XXXX |
| 9129177 |  |  | XXXX | XXXX | the1008Page | XXXX | XXXX | XXXX |
| 9129177 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 9129177 |  |  | XXXX | XXXX | businessPurposePage | XXXX | XXXX | XXXX |
| 9113555 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| 9113555 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 9113555 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 9113555 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 9113549 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 9113549 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 9113549 |  |  | XXXX | XXXX | hudClosingDetailPage | XXXX | XXXX | XXXX |
| 9120568 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 9113554 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 9129206 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 9129206 |  |  | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| 9129206 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| 9129206 |  |  | XXXX | XXXX | businessPurposePage | XXXX | XXXX | XXXX |
| 9129207 |  |  | XXXX | XXXX | businessPurposePage | XXXX | XXXX | XXXX |
| 9129207 |  |  | XXXX | XXXX | businessPurposePage | XXXX | XXXX | XXXX |
| 9129207 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 9129223 |  |  | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| 9129223 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 9129223 |  |  | XXXX | XXXX | businessPurposePage | XXXX | XXXX | XXXX |
| 9129230 |  |  | XXXX | XXXX | businessPurposePage | XXXX | XXXX | XXXX |
| 9129230 |  |  | XXXX | XXXX | businessPurposePage | XXXX | XXXX | XXXX |
| 9129237 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 9129237 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| 9129237 |  |  | XXXX | XXXX | titlePage | XXXX | XXXX | XXXX |
| 9129252 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 9129252 |  |  | XXXX | XXXX | businessPurposePage | XXXX | XXXX | XXXX |
| 9129276 |  |  | XXXX | XXXX | businessPurposePage | XXXX | XXXX | XXXX |
| 9129276 |  |  | XXXX | XXXX | businessPurposePage | XXXX | XXXX | XXXX |
| 9129281 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 9129281 |  |  | XXXX | XXXX | businessPurposePage | XXXX | XXXX | XXXX |
| 9129286 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 9129286 |  |  | XXXX | XXXX | businessPurposePage | XXXX | XXXX | XXXX |
| 9129286 |  |  | XXXX | XXXX | businessPurposePage | XXXX | XXXX | XXXX |
| 9129289 |  |  | XXXX | XXXX | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| 9129292 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 9129292 |  |  | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| 9129294 |  |  | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| 9129300 |  |  | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| 9129300 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 9129300 |  |  | XXXX | XXXX | businessPurposePage | XXXX | XXXX | XXXX |
| 9129302 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 9128074 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 9128074 |  |  | XXXX | XXXX | fraudReportPage | XXXX | XXXX | XXXX |
| 9128070 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 9128070 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| 9128070 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 9128070 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 9128070 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 9128067 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| 9128067 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 9128067 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 9128069 |  |  | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| 9128069 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| 9128069 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 9128069 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 9128069 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 9128069 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 9128069 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 9128073 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 9128073 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 9129315 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| 9129319 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 9129326 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| 9129326 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| 9129340 |  |  | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| 9129348 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| 9129348 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 9129351 |  |  | XXXX | XXXX | businessPurposePage | XXXX | XXXX | XXXX |
| 9128075 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 9128075 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 9128072 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 9128036 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 9128036 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 9066939 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| 9127838 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| 9127838 |  |  | XXXX | XXXX | titlePage | XXXX | XXXX | XXXX |
| 9128022 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 9128022 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 9128022 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 9128022 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 9128035 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 9128035 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 9128035 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 9128035 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 9128003 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 9128003 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 9128003 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 9113556 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 9113556 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 9113556 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 9128023 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 9128031 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 9128064 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 9128064 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 9128064 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 9128010 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 9128010 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
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## Exhibit 99.7

[MORGAN STANLEY CAPITAL I INC. ABS-15G](msrm-abs15g.htm)

**Exhibit 99.7 – Schedule 4**

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| | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Seller** | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Queue** | **Created Date** | **Last Modified Date** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Reviewer Comments** | **Seller Comments** | **Finding Resolution** | **Finding Document** | **Reviewer Comp Factors** | **Originator Comp Factors** | **State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Unique Finding ID** | **Acknowledged / Waived By** | **Waiver in File?** |
| XXXX | 9069074 |  |  | Closed | 2025-02-14 05:26 | 2025-02-20 10:22 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Loan Collateral Advisor with CU score less than 2.5 uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-02/20/2025 <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-02/20/2025 <br>Ready for Review-Document Uploaded. Freddie SSR - Seller-02/19/2025 <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than 2.5 Provide the Second Appraisal/ Valuation is Missing. - Due Diligence Vendor-02/14/2025 | Ready for Review-Document Uploaded. Freddie SSR - Seller-02/19/2025<br>| Resolved-Loan Collateral Advisor with CU score less than 2.5 uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-02/20/2025 <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-02/20/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3422194 | N/A | N/A |
| XXXX | 9113559 |  |  | Closed | 2025-02-18 21:23 | 2025-03-28 17:38 | Resolved | 1 - Information C A | Credit | Credit | Deficient non-subject rental income documentation. | Resolved-Audit DTI of XXXX% matches that of the 1008. Issue resolved. - Due Diligence Vendor-03/28/2025 <br> Ready for Review-Document Uploaded. Added that mortgage back into DTI. Updated 1003 and 1008 - Seller-03/28/2025 <br> Counter-• The Note Date was XXXX. Per the Final 1003 for XXXX (page XXXX of the initial upload file), the borrower had a mortgage with XXXX for $XXXX. This was validated via a mortgage statement dated XXXX for a payment due on XXXX (page #XXXX). However, per another mortgage statement (page #XXXX) that loan reached maturity on XXXX and $XXXX was due. By the Note Date of XXXX, that XXXX was no longer valid. A Settlement Statement dated XXXX was just provided stating a new mortgage with XXXX for $XXXX was originated that appears to be in the name of the name of the business and not the borrower individually. Further clarification is needed on this new XXXX to determine who is financially responsible on the Note. Either way, the XXXX was not valid by the date of Closing on this subject loan. - Due Diligence Vendor-03/07/2025 <br> Ready for Review-Document Uploaded. Statement for the Refi of the XXXX property - Seller-03/06/2025 <br> Counter-Property report received showing no open mortgage. If the mortgage was paid off & is now owned free & clear, the total of $XXXX per the XXXX mortgage statement would have been paid to pay off the loan. Source of funds needed to show how that loan was paid off. - Due Diligence Vendor-03/03/2025 <br> Ready for Review-Document Uploaded. Property Profile on XXXX showing evidence of Free & Clear, no liens on property - Seller-03/03/2025 <br> Open-There is a Verification of Mortgage in file that stated the XXXX for "XXXX" was paid off due to reaching its maturity date on XXXX. There is no evidence in file of a new mortgage in its place, or if the property is now Free & Clear. The DTI was calculated on a mortgage that is no longer open, thus causing a DTI discrepancy. Per the XXXX mortgage statement for the XXXX, a total of $XXXX was due. There is also no evidence in file of the funds used to pay that off. - Due Diligence Vendor-02/18/2025 | Ready for Review-Document Uploaded. Added that mortgage back into DTI. Updated 1003 and 1008 - Seller-03/28/2025 <br> Ready for Review-Document Uploaded. Statement for the Refi of the XXXX property - Seller-03/06/2025 <br> Ready for Review-Document Uploaded. Property Profile on XXXX showing evidence of Free & Clear, no liens on property - Seller-03/03/2025 | Resolved-Audit DTI of XXXX% matches that of the 1008. Issue resolved. - Due Diligence Vendor-03/28/2025 | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 3441839 | N/A | N/A |
| XXXX | 9113559 |  |  | Closed | 2025-02-13 06:44 | 2025-02-21 11:07 | Resolved | 1 - Information C A | Credit | Credit | DTI discrepancy or failure. | Resolved-Updated 1008 document uploaded, DTI is matching with 1008, Verified & entered in system - Resolved<br> - Due Diligence Vendor-02/21/2025 <br> Ready for Review-Document Uploaded. Updated 1008 - Seller-02/20/2025 <br> Open-DTI discrepancy on the loan, as per the DTI calculations our calculated DTI is XXXX% but Originator DTI is XXXX%. Variance is XXXX% due to the our calculated all other monthly payment + REO. Per the Final 1008, the Lender shows All Other Monthly Payments Used in Qualifying of $XXXX. The Audit calculated $XXXX ($XXXX for XXXX + $XXXX for XXXX + $XXXX for XXXX+ $XXXX Credit Report debt). Additionally, there is a Verification of Mortgage in file that stated the XXXX for "XXXX" was paid off due to reaching its maturity date. There is no evidence in file of a new mortgage in its place, or if it is Free & Clear. The DTI was calculated on a mortgage that is no longer open. - Due Diligence Vendor-02/13/2025 | Ready for Review-Document Uploaded. Updated 1008 - Seller-02/20/2025<br>| Resolved-Updated 1008 document uploaded, DTI is matching with 1008, Verified & entered in system - Resolved<br> - Due Diligence Vendor-02/21/2025<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 3413067 | N/A | N/A |
| XXXX | 9113559 |  |  | Closed | 2025-02-13 05:03 | 2025-02-19 20:42 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-XXXX report received with a score of XXXX . System updated. Resolved. - Due Diligence Vendor-02/19/2025 <br> Ready for Review-Document Uploaded. Freddie SSR - Seller-02/19/2025 <br> Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than 2.5 A secondary valuation for securitization purposes is missing from the file. The file needs a FNMA or FHLMC UCCD/SSR report with a score less than 2.5, or the file needs an Appraisal Desk Review. - Due Diligence Vendor-02/13/2025 | Ready for Review-Document Uploaded. Freddie SSR - Seller-02/19/2025<br>| Resolved-FHLMC UCDP/SSR report received with a score of 1.5. System updated. Resolved. - Due Diligence Vendor-02/19/2025<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 3412797 | N/A | N/A |
| XXXX | 9069028 |  |  | Closed | 2025-02-25 05:36 | 2025-03-03 13:14 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Photo Identification Type Missing | Resolved-Borrower 2 Photo Identification Missing. Please provide valid photo identification per guideline requirements. Guideline only require an XXXX card for a permanent resident. Present. - Due Diligence Vendor-03/03/2025 <br> Ready for Review-Document Uploaded. ID - Seller-02/27/2025 <br> Open-Borrower 2 Photo Identification Missing. Please provide valid photo identification per guideline requirements. Provide Driving License or XXXX as its missing in file. - Due Diligence Vendor-02/25/2025 | Ready for Review-Document Uploaded. ID - Seller-02/27/2025<br>| Resolved-Borrower 2 Photo Identification Missing. Please provide valid photo identification per guideline requirements. Guideline only require an I-551 card for a permanent resident. Present. - Due Diligence Vendor-03/03/2025<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | 3473630 | N/A | N/A |
| XXXX | 9069028 |  |  | Closed | 2025-02-25 05:48 | 2025-02-28 11:00 | Resolved | 1 - Information C A | Credit | Credit | DSCR unknown | Resolved-DSCR Calculation worksheet uploaded, DSCR XXXX is matching with the calculated DSCR, Verified - Resolved - Due Diligence Vendor-02/28/2025 <br> Ready for Review-Document Uploaded. DSCR calculator - Seller-02/27/2025 <br> Open-Our calculated DSCR Rents of $XXXX/ PITIA of $XXXX = XXXX whereas tape data showing XXXX difference is XXXX<br> Rent schedule appears on page #XXXX - Due Diligence Vendor-02/25/2025 | Ready for Review-Document Uploaded. DSCR calculator - Seller-02/27/2025<br>| Resolved-DSCR Calculation worksheet uploaded, DSCR XXXX is matching with the calculated DSCR, Verified - Resolved - Due Diligence Vendor-02/28/2025 | XXXX |  |  | XXXX | Investment | Purchase | NA | 3473691 | N/A | N/A |
| XXXX | 9069028 |  |  | Closed | 2025-02-25 04:43 | 2025-02-28 10:59 | Resolved | 1 - Information C A | Credit | Credit | Lender Approval Form is Missing | Resolved-Lender Approval Form uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-02/28/2025 <br> Ready for Review-Document Uploaded. Loan Approval - Seller-02/27/2025 <br> Open-Provide lender approval form as its missing in file - Due Diligence Vendor-02/25/2025 | Ready for Review-Document Uploaded. Loan Approval - Seller-02/27/2025<br>| Resolved-Lender Approval Form uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-02/28/2025<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | 3473360 | N/A | N/A |
| XXXX | 9069028 |  |  | Closed | 2025-02-25 06:09 | 2025-02-27 14:04 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-02/27/2025 <br>Resolved-Final HUD1 signed by all parties provided. - Due Diligence Vendor-02/27/2025 <br>Ready for Review-Document Uploaded. Final HUD1 signed by all parties - Seller-02/26/2025 <br>Open-Final HUD-1 Document is Missing. Provide updated HUD-1 with signatures as the provided one on page 234,242 and Final settlement statement page 278 signatures are missing. - Due Diligence Vendor-02/25/2025 | Ready for Review-Document Uploaded. Final HUD1 signed by all parties - Seller-02/26/2025<br>| Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-02/27/2025 <br>Resolved-Final HUD1 signed by all parties provided. - Due Diligence Vendor-02/27/2025<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | 3473840 | N/A | N/A |
| XXXX | 9069028 |  |  | Closed | 2025-02-25 05:02 | 2025-02-27 10:34 | Resolved | 1 - Information C A | Property | Value | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Loan Collateral Advisor with CU score less than XXXX uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-02/27/2025 <br> Ready for Review-Document Uploaded. Freddie SSR - Seller-02/26/2025 <br> Open-File needs a FNMA and/or FHLMC UCDP/SSR report with scores less than XXXX; or the file needs an Appraisal Desk Review. - Due Diligence Vendor-02/25/2025 | Ready for Review-Document Uploaded. Freddie SSR - Seller-02/26/2025<br>| Resolved-Loan Collateral Advisor with CU score less than 2.5 uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-02/27/2025<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | 3473465 | N/A | N/A |
| XXXX | 9066700 |  |  | Closed | 2025-03-11 12:45 | 2025-06-12 15:39 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of XXXX month(s) are greater than or equal to Guideline Required Reserves of 5 month(s) - Due Diligence Vendor-06/12/2025 <br> Resolved-VOD for the XXXX #XXXX uploaded with updated account balance, Audited Reserves of XXXX month(s) are greater than Guideline Required Reserves of 5 month(s), Verified & entered in system - Resolved<br> - Due Diligence Vendor-06/12/2025 <br> Resolved-Audited Reserves of XXXX month(s) are greater than or equal to Guideline Required Reserves of 5 month(s) - Due Diligence Vendor-06/12/2025 <br> Ready for Review-Document Uploaded. We have a VOD in file for the XXXX #XXXX that we can use in lieu of an updated bank statement and it confirms enough funds to cover our reserve requirement. Updated 1008/1003. - Seller-06/11/2025 <br> Open-Audited Reserves of XXXXmonth(s) are less than Guideline Required Reserves of 5 month(s) XXXX statement XXXX XXXX balance is $XXXX and borrower is getting $XXXX at closing which is not sufficient to cover required 5 months reserves. - Due Diligence Vendor-03/12/2025 | Ready for Review-Document Uploaded. We have a VOD in file for the XXXX #XXXX that we can use in lieu of an updated bank statement and it confirms enough funds to cover our reserve requirement. Updated 1008/1003. - Seller-06/11/2025 | Resolved-Audited Reserves of XXXX month(s) are greater than or equal to Guideline Required Reserves of XXXX month(s) - Due Diligence Vendor-06/12/2025 <br> Resolved-VOD for the XXXX #XXXX uploaded with updated account balance, Audited Reserves of XXXX month(s) are greater than Guideline Required Reserves of XXXX month(s), Verified & entered in system - Resolved<br> - Due Diligence Vendor-06/12/2025 <br> Resolved-Audited Reserves of XXXX month(s) are greater than or equal to Guideline Required Reserves of 5 month(s) - Due Diligence Vendor-06/12/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3579119 | N/A | N/A |
| XXXX | 9066700 |  |  | Closed | 2025-03-17 16:31 | 2025-06-04 15:38 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Credit supplement XXXX XXXX xxXXXX next due XXXX, resolved. - Due Diligence Vendor-06/04/2025 <br> Ready for Review-Document Uploaded. - Seller-06/02/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Credit report shows XXXX xxXXXX payment reported thruXXXX. Requesting documentation made XXXX payment. <br> - Due Diligence Vendor-03/17/2025 | Ready for Review-Document Uploaded. - Seller-06/02/2025<br>| Resolved-Credit supplement XXXX XXXX xxXXXX next due XXXX, resolved. - Due Diligence Vendor-06/04/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3626878 | N/A | N/A |
| XXXX | 9066700 |  |  | Closed | 2025-03-13 12:13 | 2025-06-03 07:55 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Letter of Explanation (Assets) | Resolved-LOX for access to XXXX business account provided. Resolved - Due Diligence Vendor-06/03/2025 <br> Ready for Review-Document Uploaded. - Seller-06/02/2025 <br> Open-Missing Borrower Letter of Access to use funds from XXXX business account #XXXX - Due Diligence Vendor-03/13/2025 | Ready for Review-Document Uploaded. - Seller-06/02/2025<br>| Resolved-LOX for access to XXXX business account provided. Resolved - Due Diligence Vendor-06/03/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3600402 | N/A | N/A |
| XXXX | 9066700 |  |  | Closed | 2025-03-12 09:36 | 2025-03-25 14:56 | Resolved | 1 - Information C A | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-Post Close CD Disbursement 3/6/2025 - Due Diligence Vendor-03/25/2025 <br> Ready for Review-Document Uploaded. Dry state funding - Seller-03/21/2025 <br> Open-The loan disbursement date XXXX is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" XXXX. Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (XXXX(c) and Official Staff Commentary) Date of disbursement date & Right to cancel expiry date is falling on the same day which is XXXX. - Due Diligence Vendor-03/12/2025 | Ready for Review-Document Uploaded. Dry state funding - Seller-03/21/2025<br>| Resolved-Post Close CD Disbursement XXXX - Due Diligence Vendor-03/25/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3588598 | N/A | N/A |
| XXXX | 9066700 |  |  | Closed | 2025-03-17 16:26 | 2025-03-20 16:01 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Change of Circumstance | Resolved-Uploaded COC XXXX Lock Extended/Points Increase. - Due Diligence Vendor-03/20/2025 <br> Ready for Review-Document Uploaded. page 122 of loan package uploaded for review. - Seller-03/18/2025 <br> Counter-Please review and capture all LE's, CD's and COC's to TRID Disclosure Header. <br> Missing Change of Circumstance for CD XXXX. - Due Diligence Vendor-03/18/2025 <br> Ready for Review-Missing change of circumstance for what? LE or CD you need to be specific. - Seller-03/18/2025 <br> Open-Missing Change of Circumstance - Due Diligence Vendor-03/17/2025 | Ready for Review-Document Uploaded. page 122 of loan package uploaded for review. - Seller-03/18/2025 <br>Ready for Review-Missing change of circumstance for what? LE or CD you need to be specific. - Seller-03/18/2025<br>| Resolved-Uploaded COCXXXX Lock Extended/Points Increase. - Due Diligence Vendor-03/20/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3626810 | N/A | N/A |
| XXXX | 9066700 |  |  | Closed | 2025-03-14 20:02 | 2025-03-20 15:47 | Resolved | 1 - Information D A | Credit | Missing Doc | Approval/Underwriting Summary Partially Provided | Resolved-XXXX Approval Screen print uploaded. - Due Diligence Vendor-03/20/2025 <br> Ready for Review-Document Uploaded. page 12 of loan docs uploaded at initial review - Seller-03/18/2025 <br> Counter-Page 12 of Loan Docs is Page 3 of Amortization Schedule. <br> Requesting XXXX Approval Screen Print. - Due Diligence Vendor-03/18/2025 <br> Ready for Review-page 12 of loan docs - Seller-03/18/2025 <br> Open-Missing XXXX Approval Screen Print - Due Diligence Vendor-03/14/2025 | Ready for Review-Document Uploaded. page 12 of loan docs uploaded at initial review - Seller-03/18/2025 <br>Ready for Review-page 12 of loan docs - Seller-03/18/2025<br>| Resolved-XXXX Approval Screen print uploaded. - Due Diligence Vendor-03/20/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3617773 | N/A | N/A |
| XXXX | 9129180 |  |  | Closed | 2025-04-01 08:41 | 2025-04-04 08:46 | Resolved | 1 - Information C A | Credit | Credit | Lender Approval Form is Missing | Resolved-Updated Credit memo Provided, Finding Resolved - Due Diligence Vendor-04/04/2025 <br> Ready for Review-Document Uploaded. Uploaded updated CM reflecting XXXX guideline version date. - Seller-04/03/2025 <br> Open-tape data shows XXXX and credit memo document shows as XXXX - Due Diligence Vendor-04/01/2025 | Ready for Review-Document Uploaded. Uploaded updated CM reflecting XXXX guideline version date. - Seller-04/03/2025 | Resolved-Updated Credit memo Provided, Finding Resolved - Due Diligence Vendor-04/04/2025<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | 3737605 | N/A | N/A |
| XXXX | 9129200 |  |  | Closed | 2025-03-31 06:34 | 2025-04-04 12:42 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-04/04/2025 <br>Ready for Review-transfer letter is in file - Seller-04/03/2025 <br>Open-Final HUD-1 Document is Missing. Appraisal fees not provided in Hud1. - Due Diligence Vendor-03/31/2025 | Ready for Review-transfer letter is in file - Seller-04/03/2025<br>| Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-04/04/2025<br>|  |  |  | XXXX | Investment | Refinance | Cash Out - Other | 3727181 | N/A | N/A |
| XXXX | 9129200 |  |  | Closed | 2025-04-02 15:03 | 2025-04-04 12:32 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-04/04/2025 <br>Ready for Review-Document Uploaded. 4/3 - JM - Uploaded Data Verify report - 1000 Score (which is passing). Instant ID Verification - 50 (which is passing. No additional diligence required). - Seller-04/03/2025 <br>Open-Fraud Report Shows Uncleared Alerts - Due Diligence Vendor-04/02/2025 | Ready for Review-Document Uploaded. 4/3 - JM - Uploaded Data Verify report - 1000 Score (which is passing). Instant ID Verification - 50 (which is passing. No additional diligence required). - Seller-04/03/2025<br>| Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-04/04/2025<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 3751690 | N/A | N/A |
| XXXX | 9129177 |  |  | Closed | 2025-04-01 05:17 | 2025-04-04 05:42 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing Required for Securitizations | Resolved-CDA document provided for the mentioned property.<br> - Due Diligence Vendor-04/04/2025 <br> Ready for Review-CDA document provided for the mentioned property. - Due Diligence Vendor-04/03/2025 <br> Ready for Review-Document Uploaded. - Seller-04/02/2025 <br> Open-Second Appraisal/ Valuation is Missing Required for Securitizations Missing Second appraisal for Securitization Purpose for below Property.<br> XXXX - Due Diligence Vendor-04/01/2025 | Ready for Review-Document Uploaded. - Seller-04/02/2025<br>| Resolved-CDA document provided for the mentioned property.<br> - Due Diligence Vendor-04/04/2025<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 3736912 | N/A | N/A |
| XXXX | 9113555 |  |  | Closed | 2025-04-03 04:14 | 2025-05-09 19:30 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lease Agreement | Resolved-Lease provided and updated. - Due Diligence Vendor-05/09/2025 <br>Ready for Review-Document Uploaded. Lease for 4th Unit - Seller-05/07/2025 <br>Counter-It does meet LTV restriction requirements, and per gls "A vacant or unleased property is allowed. Pricing is based upon the DSCR from the gross rents on the 1007 • A Letter of Explanation for the cause of the vacancy is required (ie vacant for repairs or rehabilitation)" please provide LOE for the vacancy per page 76 of GLs. - Due Diligence Vendor-04/10/2025 <br>Ready for Review-Document Uploaded. UW response - LTV is limited when a property is vacant. The LTV meets guidelines and the lease for the 4th unit is not required.<br>- Seller-04/09/2025 <br>Open-Provide complete lease agreement as the one on file shows lease for only 3 units and missing for 4th unit. - Due Diligence Vendor-04/03/2025 | Ready for Review-Document Uploaded. Lease for 4th Unit - Seller-05/07/2025 <br>Ready for Review-Document Uploaded. UW response - LTV is limited when a property is vacant. The LTV meets guidelines and the lease for the 4th unit is not required.<br>- Seller-04/09/2025<br>| Resolved-Lease provided and updated. - Due Diligence Vendor-05/09/2025<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 3759443 | N/A | N/A |
| XXXX | 9113555 |  |  | Closed | 2025-04-03 11:35 | 2025-04-25 18:30 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Housing history validated. - Due Diligence Vendor-04/25/2025 <br>Ready for Review-Document Uploaded. Property Profile - Seller-04/23/2025 <br>Counter-Please provide property profile report. - Due Diligence Vendor-04/21/2025 <br>Ready for Review-Document Uploaded. UW rebuttal and supporting docs - Seller-04/18/2025 <br>Counter-Property profile report not included with email. - Due Diligence Vendor-04/10/2025 <br>Ready for Review-Document Uploaded. Borrower owns F/C - Seller-04/09/2025 <br>Open-Housing History Does Not Meet Guideline Requirements DSCR transactions require a 12-month housing payment history for primary residence and subject property (if refinance). - Due Diligence Vendor-04/03/2025 | Ready for Review-Document Uploaded. Property Profile - Seller-04/23/2025 <br>Ready for Review-Document Uploaded. UW rebuttal and supporting docs - Seller-04/18/2025 <br>Ready for Review-Document Uploaded. Borrower owns F/C - Seller-04/09/2025<br>| Resolved-Housing history validated. - Due Diligence Vendor-04/25/2025<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 3761288 | N/A | N/A |
| XXXX | 9113549 |  |  | Closed | 2025-04-07 16:30 | 2025-05-16 13:58 | Resolved | 1 - Information C A | Credit | Eligibility | Business Entity EIN Number Missing | Resolved-received EIN # - resolved - Due Diligence Vendor-05/16/2025 <br>Ready for Review-Document Uploaded. EIN - Seller-05/15/2025 <br>Counter-Business EIN provided is issues by the state - EIN requires is the Employer Identification Number from the IRS - Due Diligence Vendor-04/14/2025 <br>Ready for Review-Document Uploaded. UW response for EIN - Seller-04/11/2025 <br>Counter-please provide EIN issued by IRS - Due Diligence Vendor-04/09/2025 <br>Ready for Review-Document Uploaded. EIN doc - Seller-04/09/2025 <br>Open-Please provide Business Entity EIN. - Due Diligence Vendor-04/07/2025 | Ready for Review-Document Uploaded. EIN - Seller-05/15/2025 <br>Ready for Review-Document Uploaded. UW response for EIN - Seller-04/11/2025 <br>Ready for Review-Document Uploaded. EIN doc - Seller-04/09/2025<br>| Resolved-received EIN # - resolved - Due Diligence Vendor-05/16/2025<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | 3796744 | N/A | N/A |
| XXXX | 9113549 |  |  | Closed | 2025-04-03 10:21 | 2025-05-16 13:58 | Resolved | 1 - Information C A | Credit | Eligibility | Business Entity Formation Doc Missing | Resolved-Validation Resolved' - Due Diligence Vendor-05/16/2025 <br>Resolved-received entity doc - resolved - Due Diligence Vendor-04/09/2025 <br>Ready for Review-Document Uploaded. Formation Docs - Seller-04/09/2025 <br>Open-Entity Formation Doc Indicator is Missing. Business Entity Formation Doc Missing, Provide Articles of Incorporation or comparable documents. - Due Diligence Vendor-04/03/2025 | Ready for Review-Document Uploaded. Formation Docs - Seller-04/09/2025<br>| Resolved-Validation Resolved' - Due Diligence Vendor-05/16/2025 <br>Resolved-received entity doc - resolved - Due Diligence Vendor-04/09/2025<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | 3760911 | N/A | N/A |
| XXXX | 9113549 |  |  | Closed | 2025-04-07 16:31 | 2025-04-08 19:38 | Resolved | 1 - Information D A | Credit | Missing Doc | Asset 3 Missing | Resolved-Final Settlement statement from refi of other proper received - resolved - Due Diligence Vendor-04/08/2025 <br> Ready for Review-Document Uploaded. the C/O CD - Seller-04/08/2025 <br> Open-please provide documentation for asset in the amount of $XXXX from 1003 - Due Diligence Vendor-04/07/2025 | Ready for Review-Document Uploaded. the C/O CD - Seller-04/08/2025<br>| Resolved-Final Settlement statement from refi of other proper received - resolved - Due Diligence Vendor-04/08/2025<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | 3796757 | N/A | N/A |
| XXXX | 9113549 |  |  | Closed | 2025-04-03 11:52 | 2025-04-08 19:38 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Final Settlement statement from refi of other proper received - resolved - Due Diligence Vendor-04/08/2025 <br> Ready for Review-Document Uploaded. the C/O CD - Seller-04/08/2025 <br> Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 3 month(s) Audited Reserves of month(s) are less than Guideline Required Reserves of 3 month(s) Provide additional Assets. We have verified However Reserves is $XXXX, it is not meeting the reserves requirement. - Due Diligence Vendor-04/03/2025 | Ready for Review-Document Uploaded. the C/O CD - Seller-04/08/2025<br>| Resolved-Final Settlement statement from refi of other proper received - resolved - Due Diligence Vendor-04/08/2025<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | 3761416 | N/A | N/A |
| XXXX | 9120568 |  |  | Closed | 2025-04-12 16:59 | 2025-04-24 17:52 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan Amount does not meet eligibility requirement(s) | Waived-Exception approved to use loan with less than min guideline requirement. - Due Diligence Vendor-04/24/2025 <br> Ready for Review-Document Uploaded. - Seller-04/24/2025 <br> Counter-Approved exception form required with valid compensating factors - Due Diligence Vendor-04/18/2025 <br> Unable to Resolve-Unable to Resolve-We agree with citing two compensating factors for exception review/approval:<br>XXXX LTV<br> XXXX DSCR - Seller-04/17/2025 <br> Open-Loan amount is XXXX min loan amount per GLs is XXXX for 2-4 unit properties - Due Diligence Vendor-04/12/2025 | Ready for Review-Document Uploaded. - Seller-04/24/2025 <br> Unable to Resolve-Unable to Resolve-We agree with citing two compensating factors for exception review/approval:<br>XXXX LTV<br> XXXX DSCR - Seller-04/17/2025 | Waived-Exception approved to use loan with less than min guideline requirement. - Due Diligence Vendor-04/24/2025<br>| XXXX |  | 70% LTV 2.30 DSCR | XXXX | Investment | Refinance | Cash Out - Other | 3849011 | Originator Post-Close | Yes |
| XXXX | 9120568 |  |  | Closed | 2025-04-12 16:09 | 2025-04-21 18:34 | Resolved | 1 - Information C A | Compliance | Closing | Lender Company NMLS Status is Unknown or Not Active | Resolved-received confirmation from client NMLS not required - resolved - Due Diligence Vendor-04/21/2025 <br>Ready for Review-NMLS Licensing is not required for Business Purpose Lending – DSCR - Seller-04/21/2025 <br>Open-Lender Company NMLS Status is Unknown NMLS Status is Unknown and is not found on NMLS website - Due Diligence Vendor-04/12/2025 | Ready for Review-NMLS Licensing is not required for Business Purpose Lending – DSCR - Seller-04/21/2025<br>| Resolved-received confirmation from client NMLS not required - resolved - Due Diligence Vendor-04/21/2025<br>|  |  |  | XXXX | Investment | Refinance | Cash Out - Other | 3848876 | N/A | N/A |
| XXXX | 9113554 |  |  | Closed | 2025-04-11 07:25 | 2025-04-17 13:04 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Lender Income Calculation Worksheet uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-04/17/2025 <br> Resolved-Validation Resolved' - Due Diligence Vendor-04/17/2025 <br> Ready for Review-Document Uploaded. Income calculations and updated 1003 - Seller-04/16/2025 <br> Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. (1) Lender income worksheet on page XXXX for B1 shows qualifying income as XXXX. However, per the final 1003 and 1008, qualifying income was XXXX. Provide lender worksheet validating this amount.<br>(2) Lender income worksheet on page XXXX for B2 shows qualifying income as XXXX. However, per the final 1003 and 1008, qualifying income was XXXX. Provide lender worksheet validating this amount. - Due Diligence Vendor-04/11/2025 | Ready for Review-Document Uploaded. Income calculations and updated 1003 - Seller-04/16/2025<br>| Resolved-Lender Income Calculation Worksheet uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-04/17/2025 <br>Resolved-Validation Resolved' - Due Diligence Vendor-04/17/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 3836627 | N/A | N/A |
| XXXX | 9113554 |  |  | Closed | 2025-04-11 08:17 | 2025-04-16 20:49 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-04/16/2025 <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/16/2025 <br>Open-Missing Third Party Fraud Report Provide fraud report as it is missing from file. - Due Diligence Vendor-04/11/2025 | Ready for Review-Document Uploaded. XXXX - Seller-04/16/2025 | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-04/16/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 3836913 | N/A | N/A |
| XXXX | 9113554 |  |  | Closed | 2025-04-11 07:55 | 2025-04-15 19:22 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Secondary Valuation or Additional Valuation is present or Not Required received LCA - Due Diligence Vendor-04/15/2025 <br> Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-04/15/2025 <br> Ready for Review-Document Uploaded. XXXX- Seller-04/15/2025 <br> Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than XXXX Provide Secondary Valuation or Additional Valuation as it is missing from file. - Due Diligence Vendor-04/11/2025 | Ready for Review-Document Uploaded. XXXX - Seller-04/15/2025 | Resolved-Secondary Valuation or Additional Valuation is present or Not Required received LCA - Due Diligence Vendor-04/15/2025 <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-04/15/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 3836832 | N/A | N/A |
| XXXX | 9129206 |  |  | Closed | 2025-04-13 10:03 | 2025-04-18 11:46 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Required Document Provided, Changes made in System, Finding Resolved - Due Diligence Vendor-04/18/2025 <br> Resolved-Evidence of Property Tax is present - Due Diligence Vendor-04/18/2025 <br> Ready for Review-Document Uploaded. 4/17/25 - Uploaded tax bill supporting XXXX annually. - Seller-04/17/2025 <br> Open-Missing Evidence of Property Tax Provided Tax fee Shows Monthly as XXXX, as per final Docs Tax Fee Required XXXX, Required Updated Tax Certificate - Due Diligence Vendor-04/13/2025 | Ready for Review-Document Uploaded. XXXX - Uploaded tax bill supporting XXXX annually. - Seller-04/17/2025 | Resolved-Required Document Provided, Changes made in System, Finding Resolved - Due Diligence Vendor-04/18/2025 <br>Resolved-Evidence of Property Tax is present - Due Diligence Vendor-04/18/2025<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 3850046 | N/A | N/A |
| XXXX | 9129207 |  |  | Closed | 2025-04-15 16:26 | 2025-04-21 17:54 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Borrower 1 ITIN Information | Resolved-ITIN Letter uploaded, Validation Resolved. - Due Diligence Vendor-04/21/2025 <br>Ready for Review-Document Uploaded. 4/17/25 - WJ - Uploaded ITIN. - Seller-04/17/2025 <br>Open-Borrower 1 ITIN information Missing. Please provide acceptable documentation. - Due Diligence Vendor-04/15/2025 | Ready for Review-Document Uploaded. XXXX - WJ - Uploaded XXXX. - Seller-04/17/2025 | Resolved-XXXX Letter uploaded, Validation Resolved. - Due Diligence Vendor-04/21/2025 | XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 3868470 | N/A | N/A |
| XXXX | 9129207 |  |  | Closed | 2025-04-15 16:37 | 2025-04-21 17:49 | Resolved | 1 - Information C A | Credit | Credit | DSCR Does Not Meet Guideline Requirement | Resolved-Sizer DSCR XXXX - Due Diligence Vendor-04/21/2025 <br> Ready for Review-Document Uploaded. 4/17/25 - WJ - Uploaded correct sizer using market rents which are lower than actual. Proof of receipt of rents is not required. - Seller-04/17/2025 <br> Open-Guidelines XXXX Page XXXX XXXX LTR Refinance - The actual rents may be used to qualify with documentation 2 most recent months canceled checks or bank statements evidencing receipt of XXXX months rental income received prior to the CV3 loan application date. - Due Diligence Vendor-04/15/2025 | Ready for Review-Document Uploaded. XXXX - WJ - Uploaded correct sizer using market rents which are lower than actual. Proof of receipt of rents is not required. - Seller-04/17/2025 | Resolved-Sizer DSCR XXXX - Due Diligence Vendor-04/21/2025 | XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 3868662 | N/A | N/A |
| XXXX | 9129208 |  |  | Closed | 2025-04-14 11:56 | 2025-04-18 11:58 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Required Document Provided, Changes made in System, Finding Resolved - Due Diligence Vendor-04/18/2025 <br> Resolved-Evidence of Property Tax is present - Due Diligence Vendor-04/18/2025 <br> Ready for Review-Document Uploaded. 4/17/25 - WJ - Uploaded page XXXX of the prelim, please refer to item XXXX which show annual property taxes of XXXX which is what was used to qualify. - Seller-04/17/2025 <br> Open-Missing Evidence of Property Tax - Due Diligence Vendor-04/14/2025 | Ready for Review-Document Uploaded. XXXX - WJ - Uploaded page XXXX of the prelim, please refer to item XXXX which show annual property taxes of XXXX which is what was used to qualify. - Seller-04/17/2025 | Resolved-Required Document Provided, Changes made in System, Finding Resolved - Due Diligence Vendor-04/18/2025 <br>Resolved-Evidence of Property Tax is present - Due Diligence Vendor-04/18/2025<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 3853128 | N/A | N/A |
| XXXX | 9129223 |  |  | Closed | 2025-04-15 18:58 | 2025-04-24 18:33 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Citizenship Identification Documentation Missing | Resolved-Copy Passport and XXXX with XXXX, resolved. - Due Diligence Vendor-04/24/2025 <br> Ready for Review-Document Uploaded. XXXX - WJ - Please refer to the uploaded XXXX form, the highlighted sections state that this is an approval and refers to the XXXX at the bottom of the form. - Seller-04/22/2025 <br> Counter-Uploaded is XXXX notXXXX. Guidelines XXXX Page XXXX Non Permanent Resident required documentation Copy XXXX OR Work Visa OR Copy of Passport and Arrival/Departure Record/XXXX . - Due Diligence Vendor-04/21/2025 <br> Ready for Review-Document Uploaded. XXXX - WJ - Uploaded borrowers XXXX. - Seller-04/17/2025 <br> Open-Borrower 1 Non-US Citizen Identification Document Missing. Please provide acceptable documentation. - Due Diligence Vendor-04/15/2025 | Ready for Review-Document Uploaded.XXXX - WJ - Please refer to the uploaded XXXX, the highlighted sections state that this is an approval and refers to the XXXX at the bottom of the form. - Seller-04/22/2025 <br> Ready for Review-Document Uploaded.XXXX - WJ - Uploaded borrowers XXXX Form. - Seller-04/17/2025 | Resolved-Copy Passport and XXXX with XXXX, resolved. - Due Diligence Vendor-04/24/2025 | XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 3870889 | N/A | N/A |
| XXXX | 9129223 |  |  | Closed | 2025-04-15 18:58 | 2025-04-24 18:26 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Photo Identification Type Missing | Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-04/21/2025 <br> Ready for Review-Document Uploaded. XXXX - WJ - Uploaded borrowers driver's license and passport. - Seller-04/17/2025 <br> Open-Borrower 1 Photo Identification Missing. Please provide valid photo identification per guideline requirements. - Due Diligence Vendor-04/15/2025 | Ready for Review-Document Uploaded. XXXX - WJ - Uploaded borrowers driver's license and passport. - Seller-04/17/2025 | Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-04/21/2025<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 3870888 | N/A | N/A |
| XXXX | 9129230 |  |  | Closed | 2025-04-12 07:19 | 2025-04-16 17:32 | Resolved | 1 - Information C A | Credit | Credit | Lender Approval Form is Missing | Resolved-Clarification received. Resolved - Due Diligence Vendor-04/16/2025 <br> Ready for Review-Document Uploaded. XXXX - WJ - Please refer to the uploaded date of the guidelines, it matches the Credit Memo and is correct. - Seller-04/15/2025 <br> Open-Provide the updated Credit Memo document with the Guideline Version XXXX <br>- Due Diligence Vendor-04/12/2025 | Ready for Review-Document Uploaded. XXXX - WJ - Please refer to the uploaded date of the guidelines, it matches the Credit Memo and is correct. - Seller-04/15/2025 | Resolved-Clarification received. Resolved - Due Diligence Vendor-04/16/2025<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 3847637 | N/A | N/A |
| XXXX | 9129238 |  |  | Closed | 2025-04-15 06:39 | 2025-04-18 12:22 | Resolved | 1 - Information C A | Credit | Credit | Lender Approval Form is Missing | Resolved-Updated Sizer provided, Changes Made in system, - Due Diligence Vendor-04/22/2025 <br> Ready for Review-Document Uploaded.XXXX - WJ - Uploaded DSCR sizer. - Seller-04/17/2025 <br> Open-Provide DSCR sizer as it is missing from file. - Due Diligence Vendor-04/15/2025 | Ready for Review-Document Uploaded. XXXX - WJ - Uploaded DSCR sizer. - Seller-04/17/2025 | Resolved-Updated Sizer provided, Changes Made in system, - Due Diligence Vendor-04/22/2025<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 3863641 | N/A | N/A |
| XXXX | 9129241 |  |  | Closed | 2025-04-14 08:23 | 2025-04-16 17:38 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of XXXX month(s) are greater than or equal to Guideline Required Reserves of XXXX month(s) - Due Diligence Vendor-04/16/2025 <br> Ready for Review-Document Uploaded. XXXX - WJ - Uploaded February XXXX XXXX statement which reflects a balance of XXXX. This is a rate/term refi so only XXXX statement is required. - Seller-04/15/2025 <br> Open-Audited Reserves of month(s) are less than Guideline Required Reserves of XXXX month(s) Assets missing in File, provide updated bank statement, file is no cash out Refinance. <br> - Due Diligence Vendor-04/14/2025 | Ready for Review-Document Uploaded. XXXX - WJ - Uploaded February XXXX XXXX statement which reflects a balance of XXXX. This is a rate/term refi so only XXXX month statement is required. - Seller-04/15/2025 | Resolved-Audited Reserves of XXXX month(s) are greater than or equal to Guideline Required Reserves of XXXX month(s) - Due Diligence Vendor-04/16/2025 | XXXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 3852293 | N/A | N/A |
| XXXX | 9129241 |  |  | Closed | 2025-04-14 09:01 | 2025-04-16 16:13 | Resolved | 1 - Information C A | Credit | Credit | Borrowing Entity / Individual has insufficient experience | Resolved-Uploaded correct REO Schedule with corresponding property profile to support borrower experience. - Due Diligence Vendor-04/16/2025 <br> Ready for Review-Document Uploaded. XXXX - WJ - Uploaded correct REO Schedule with corresponding property profile to support borrower experience - 1 property owned more than XXXX months. - Seller-04/15/2025 <br> Open-Borrowers have investment property experience, approval docs showing 1 property's missing documentation (Property Reports) for the following properties XXXX, XXXX to validate ownership experience per guidelines.<br> - Due Diligence Vendor-04/14/2025 | Ready for Review-Document Uploaded. XXXX - WJ - Uploaded correct REO Schedule with corresponding property profile to support borrower experience - 1 property owned more than XXXX months. - Seller-04/15/2025 | Resolved-Uploaded correct REO Schedule with corresponding property profile to support borrower experience. - Due Diligence Vendor-04/16/2025<br>| XXXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 3852381 | N/A | N/A |
| XXXX | 9129242 |  |  | Closed | 2025-04-15 15:41 | 2025-04-30 12:35 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-04/30/2025 <br>Ready for Review-Document Uploaded. - Seller-04/29/2025 <br>Counter-Document is corrupted and will not open. - Due Diligence Vendor-04/25/2025 <br>Ready for Review-Document Uploaded. Credit is in the file we delivered - Seller-04/24/2025 <br>Open-Missing credit report for borrower. Credit report in file uploads will not open. - Due Diligence Vendor-04/15/2025 | Ready for Review-Document Uploaded. - Seller-04/29/2025 <br>Ready for Review-Document Uploaded. Credit is in the file we delivered - Seller-04/24/2025<br>| Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-04/30/2025<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 3867820 | N/A | N/A |
| XXXX | 9129289 |  |  | Closed | 2025-04-16 09:44 | 2025-04-22 15:39 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Validation Resolved - Due Diligence Vendor-04/22/2025 <br> Resolved-Updated Credit Memo received and reviewed. - Due Diligence Vendor-04/21/2025 <br> Ready for Review-Document Uploaded. XXXX - WJ - Please refer to the uploaded XXXX page of the credit report and the Credit Memo. Both reflect a qualifying score of 754. - Seller-04/18/2025 <br> Open-Qualifying FICO on the 1008 Page is '753' or blank, but the Qualifying FICO from the Credit Liabilities Page is '721' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. Updated as per latest credit report mid score is 721, and credit Meo showing 753. - Due Diligence Vendor-04/16/2025 | Ready for Review-Document Uploaded. XXXX - WJ - Please refer to the uploaded XXXX page of the credit report and the Credit Memo. Both reflect a qualifying score of 754. - Seller-04/18/2025 | Resolved-Validation Resolved - Due Diligence Vendor-04/22/2025 <br>Resolved-Updated Credit Memo received and reviewed. - Due Diligence Vendor-04/21/2025<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 3875695 | N/A | N/A |
| XXXX | 9129292 |  |  | Closed | 2025-04-16 19:44 | 2025-04-18 19:12 | Resolved | 1 - Information C A | Credit | Credit | Borrowing Entity / Individual has insufficient experience | Resolved-Updated REO schedule provided. Experience verified. Resolved. - Due Diligence Vendor-04/18/2025 <br> Ready for Review-Document Uploaded.XXXX - WJ - Uploaded REO schedule with corresponding property profiles. - Seller-04/17/2025 <br> Open-Property REports for all properties on REO Schedule missing from file: XXXX, XXXX, XXXX- Due Diligence Vendor-04/16/2025 | Ready for Review-Document Uploaded. XXXX - WJ - Uploaded REO schedule with corresponding property profiles. - Seller-04/17/2025 | Resolved-Updated REO schedule provided. Experience verified. Resolved. - Due Diligence Vendor-04/18/2025<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 3882960 | N/A | N/A |
| XXXX | 9129294 |  |  | Closed | 2025-04-16 09:22 | 2025-04-18 12:13 | Resolved | 1 - Information C A | Credit | Credit | Lender Approval Form is Missing | Resolved-Updated Credit memo provided with correct Version date , available in 1003 dropdown, Changes made in System, Finding Resolved<br> - Due Diligence Vendor-04/18/2025 <br> Ready for Review-Document Uploaded. XXXX - Uploaded Credit Memo with correct guideline date. - Seller-04/17/2025 <br> Open-Provide the updated Credit Memo document with the Guideline Version XXXX. - Due Diligence Vendor-04/16/2025 | Ready for Review-Document Uploaded. XXXX - Uploaded Credit Memo with correct guideline date. - Seller-04/17/2025 | Resolved-Updated Credit memo provided with correct Version date , available in 1003 dropdown, Changes made in System, Finding Resolved<br> - Due Diligence Vendor-04/18/2025<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 3875647 | N/A | N/A |
| XXXX | 9129300 |  |  | Closed | 2025-04-16 19:50 | 2025-04-16 19:50 | Resolved | 1 - Information A | Credit | Credit | Property potentially affected by FEMA Disaster(s) INDIVIDUAL ASSISTANCE AREA (3) | Resolved-Inspection report with photos dated XXXX.<br> No damage to subject property from XXXX XXXX was observed. - Due Diligence Vendor-04/16/2025 |  | Resolved-Inspection report with photos dated 02/21/2025.<br> No damage to subject property from XXXX XXXX was observed. - Due Diligence Vendor-04/16/2025 |  |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 3883083 | N/A | N/A |
| XXXX | 9129301 |  |  | Closed | 2025-04-16 04:26 | 2025-04-17 22:56 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of XXXX month(s) are greater than or equal to Guideline Required Reserves of XXXX month(s) - Due Diligence Vendor-04/17/2025 <br> Rescinded-Active Lease, required reserves XXXX months per guideline matrix. - Due Diligence Vendor-04/16/2025 |  | Resolved-Audited Reserves of XXXX month(s) are greater than or equal to Guideline Required Reserves of XXXX month(s) - Due Diligence Vendor-04/17/2025 <br> Rescinded-Active Lease, required reserves XXXX months per guideline matrix. - Due Diligence Vendor-04/16/2025 |  |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 3874906 | N/A | N/A |
| XXXX | 9129301 |  |  | Closed | 2025-04-16 04:26 | 2025-04-17 22:56 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Resolved-Audited Loan Amount of XXXX is greater than or equal to the Guideline Minimum Loan Amount of XXXX - Due Diligence Vendor-04/17/2025 <br> Rescinded-Audited Loan Amount is less than Guideline Minimum Loan Amount Guidelines Rental minimum loan amount single property loans XXXX. <br> - Due Diligence Vendor-04/16/2025 |  | Resolved-Audited Loan Amount of XXXX is greater than or equal to the Guideline Minimum Loan Amount of XXXX - Due Diligence Vendor-04/17/2025 <br> Rescinded-Audited Loan Amount is less than Guideline Minimum Loan Amount Guidelines Rental minimum loan amount single property loans XXXX. <br> - Due Diligence Vendor-04/16/2025 |  |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 3874905 | N/A | N/A |
| XXXX | 9129302 |  |  | Closed | 2025-05-16 16:05 | 2025-05-16 16:36 | Waived | 2 - Non-Material C B | Credit | Credit | Foreign National Guidelines for Guarantors not met | Waived-Borrower is Foreign National and has a SSN (not an ITIN) - Due Diligence Vendor-05/16/2025 <br>Open-Document Uploaded. - Due Diligence Vendor-05/16/2025 <br>Open-Borrower/Guarantor is considered a foreign national with no ITIN as required per guidelines - please correct approval, supply ITIN or Provide an exception for using a SS number in Lein - Due Diligence Vendor-05/16/2025 |  | Waived-Borrower is Foreign National and has a SSN (not an XXXX) - Due Diligence Vendor-05/16/2025 | XXXX |  | Borrower REO Experience. EXPERIENCED with 38 investment properties. Required 1 with minimum of 12 months. <br> Reserves. Post-closing reserves are $174,842.97. This represents 130 months of PITIA reserves. 6 months required. <br> DSCR. 1.193 - This is 0.193 points greater than the required 1.000 DSCR to qualify. | XXXX | Investment | Refinance | Cash Out - Other | 4164779 | Originator Post-Close | Yes |
| XXXX | 9129306 |  |  | Closed | 2025-04-17 15:52 | 2025-04-24 18:34 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Citizenship Identification Documentation Missing | Resolved-Copy Passport andXXXX with XXXX, resolved. - Due Diligence Vendor-04/24/2025 <br> Ready for Review-Document Uploaded. XXXX - WJ - Please refer to the uploaded XXXX, the highlighted sections state that this is an approval and refers to the XXXX at the bottom of the form. - Seller-04/22/2025 <br> Counter-Guidelines XXXX Page XXXX Non Permanent Resident required documentation CopyXXXX OR XXXX OR Copy of Passport and Arrival/Departure Record/XXXX or XXXX. - Due Diligence Vendor-04/21/2025 <br> Ready for Review-Document Uploaded. XXXX- WJ - Uploaded borrowers' passport and XXXX - Seller-04/17/2025 <br> Open-Borrower 1 Non-US Citizen Identification Document Missing. Please provide acceptable documentation. - Due Diligence Vendor-04/17/2025 | Ready for Review-Document Uploaded. XXXX - WJ - Please refer to the uploaded XXXX form, the highlighted sections state that this is an approval and refers to the XXXX at the bottom of the form. - Seller-04/22/2025 <br> Ready for Review-Document Uploaded. XXXX - WJ - Uploaded borrowers' passport and I-797A form - Seller-04/17/2025 | Resolved-Copy Passport and XXXX with XXXX, resolved. - Due Diligence Vendor-04/24/2025 | XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 3891117 | N/A | N/A |
| XXXX | 9128074 |  |  | Closed | 2025-04-17 17:00 | 2025-04-23 12:17 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived- - Due Diligence Vendor-04/23/2025 <br> Ready for Review-Document Uploaded. Exception Approval - Seller-04/22/2025 <br> Open-Audited LTV of XXXX exceeds Guideline LTV of XXXX Rural property max LTV is XXXX - Due Diligence Vendor-04/17/2025 | Ready for Review-Document Uploaded. Exception Approval - Seller-04/22/2025<br>|  | XXXX |  | 1. DTI is at 32.18 and max can be at 50%. <br> 2. Borrower has 35.62 months of reserves and all that is required is 6 months <br> 3. Borrower has 13,106 in residual income. <br> 4. Borrower has a credit score of 765 and all that is required is score of 740. | XXXX | Primary Residence | Purchase | NA | 3891926 | Originator Pre-Close | Yes |
| XXXX | 9128074 |  |  | Closed | 2025-04-16 04:05 | 2025-04-23 09:42 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report provided with cleared alerts. Resolved - Due Diligence Vendor-04/23/2025 <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/22/2025 <br>Open-Fraud Report Shows Uncleared Alerts Provide the updated fraud report, Fraud Report Shows Uncleared Alerts. - Due Diligence Vendor-04/16/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/22/2025<br>| Resolved-Updated Fraud Report provided with cleared alerts. Resolved - Due Diligence Vendor-04/23/2025<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 3874891 | N/A | N/A |
| XXXX | 9128066 |  |  | Closed | 2025-04-16 12:18 | 2025-04-23 09:44 | Resolved | 1 - Information C A | Credit | Income/Employment | Income/Employment General | Resolved-LOX provided. Resolved - Due Diligence Vendor-04/23/2025 <br> Ready for Review-Document Uploaded. UW notes on why 50% was used - Seller-04/22/2025 <br> Open-As per CPA letter page XXXX, Self-employment business narrative page XXXX, borrower as 100% ownership but income worksheet page XXXX considered 50% ownership and lower income, required XXXX for lower income consideration. - Due Diligence Vendor-04/16/2025 | Ready for Review-Document Uploaded. UW notes on why XXXX% was used - Seller-04/22/2025 | Resolved-LOX provided. Resolved - Due Diligence Vendor-04/23/2025<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 3876418 | N/A | N/A |
| XXXX | 9128066 |  |  | Closed | 2025-04-16 11:07 | 2025-04-22 19:36 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-04/22/2025 <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/22/2025 <br>Open-Fraud Report Shows Uncleared Alerts Fraud Report Shows Uncleared findings - Due Diligence Vendor-04/16/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/22/2025<br>| Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-04/22/2025<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 3875996 | N/A | N/A |
| XXXX | 9128066 |  |  | Closed | 2025-04-16 11:52 | 2025-04-16 12:01 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (XXXX) APR equals or exceeds the Federal HPML threshold of (XXXX). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX).(XXXX) This loan failed the higher-priced mortgage loan test. (XXXX))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#360 and the Final Closing disclosure on Pg#226, Finding reflects escrows. Rate lock date was entered correctly – see Pg#367, 365. An interior and exterior appraisal was completed for this property – see Pg#36-78, the appraisal disclosure was provided to the borrower(s)- see Pg#34, and confirmation the appraisal was delivered to the borrower – see Pg#275. The loan meets XXXX guidelines, resolved.<br> - Due Diligence Vendor-04/16/2025 |  | Resolved-The loan's (8.853%) APR equals or exceeds the Federal HPML threshold of (8.16%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.66%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#360 and the Final Closing disclosure on Pg#226, Finding reflects escrows. Rate lock date was entered correctly – see Pg#367, 365. An interior and exterior appraisal was completed for this property – see Pg#36-78, the appraisal disclosure was provided to the borrower(s)- see Pg#34, and confirmation the appraisal was delivered to the borrower – see Pg#275. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-04/16/2025<br>|  |  |  | XXXX | Primary Residence | Purchase | NA | 3876256 | N/A | N/A |
| XXXX | 9128070 |  |  | Closed | 2025-04-17 10:29 | 2025-04-21 11:14 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Document Uploaded. Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/21/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-04/21/2025 <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/18/2025 <br>Open-Fraud Report Shows Uncleared Alerts Provide the updated fraud report, Fraud Report Shows Uncleared Alerts - Due Diligence Vendor-04/17/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/18/2025<br>| Resolved-Document Uploaded. Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/21/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-04/21/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 3887343 | N/A | N/A |
| XXXX | 9128070 |  |  | Closed | 2025-04-17 10:18 | 2025-04-18 08:10 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-XXXX provided.<br> - Due Diligence Vendor-04/18/2025 <br> Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-04/18/2025 <br> Ready for Review-Document Uploaded. XXXX - Seller-04/18/2025 <br> Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than 2.5 Provide the Second Appraisal/ Valuation is Missing. - Due Diligence Vendor-04/17/2025 | Ready for Review-Document Uploaded. Freddie SSR - Seller-04/18/2025<br>| Resolved-Freddie SSR provided.<br> - Due Diligence Vendor-04/18/2025 <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-04/18/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 3887289 | N/A | N/A |
| XXXX | 9128067 |  |  | Closed | 2025-04-18 14:10 | 2025-04-23 09:48 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report provided with cleared alerts. Resolved - Due Diligence Vendor-04/23/2025 <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/22/2025 <br>Open-Fraud Report Shows Uncleared Alerts - Due Diligence Vendor-04/18/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/22/2025<br>| Resolved-Updated Fraud Report provided with cleared alerts. Resolved - Due Diligence Vendor-04/23/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3900451 | N/A | N/A |
| XXXX | 9128069 |  |  | Closed | 2025-04-18 05:00 | 2025-04-23 10:22 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/23/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-04/23/2025 <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/22/2025 <br>Open-Fraud Report Shows Uncleared Alerts Provide updated fraud report as the on file shows uncleared alerts. - Due Diligence Vendor-04/18/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/22/2025<br>| Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/23/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-04/23/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 3897202 | N/A | N/A |
| XXXX | 9128073 |  |  | Closed | 2025-04-18 15:33 | 2025-04-24 12:09 | Resolved | 1 - Information C A | Compliance | TRID | Final CD: Closing Cost Detail fee(s) not disclosed in the proper section based on ability to shop | Resolved-PCCD provided. Resolved. - Due Diligence Vendor-04/24/2025 <br> Ready for Review-Document Uploaded. Updated XXXX - Seller-04/22/2025 <br> Open-Title fees (1. Lender's Title insurance, 2. Settlement/Closing Fee,3. Wire Fee-Escrow) is paid to a provider that's not on providers list, but the fee is still in section B, move the Fee (1. Lender's Title insurance, 2. Settlement/Closing Fee,3. Wire Fee-Escrow) to section C. - Due Diligence Vendor-04/18/2025 | Ready for Review-Document Uploaded. Updated PXXXX- Seller-04/22/2025 | Resolved-PCCD provided. Resolved. - Due Diligence Vendor-04/24/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3901846 | N/A | N/A |
| XXXX | 9128073 |  |  | Closed | 2025-04-18 18:57 | 2025-04-24 06:04 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Coverage Amount is less than Required Coverage Amount | Resolved-Insurance confirmed 100% Replacement Cost - Resolved. - Due Diligence Vendor-04/24/2025 <br> Ready for Review-Document Uploaded. Insurance confirmed 100% Replacement Cost<br>- Seller-04/22/2025 <br> Open-Hazard Insurance Coverage Amount XXXX is less than Required Coverage AmountXXXX. - Due Diligence Vendor-04/18/2025 | Ready for Review-Document Uploaded. Insurance confirmed 100% Replacement Cost<br>- Seller-04/22/2025<br>| Resolved-Insurance confirmed 100% Replacement Cost - Resolved. - Due Diligence Vendor-04/24/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3904698 | N/A | N/A |
| XXXX | 9128073 |  |  | Closed | 2025-04-18 12:19 | 2025-04-23 10:14 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/23/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-04/23/2025 <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/22/2025 <br>Open-Fraud Report Shows Uncleared Alerts Provide the updated fraud report, Fraud Report Shows Uncleared Alerts. - Due Diligence Vendor-04/18/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/22/2025<br>| Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/23/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-04/23/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3899128 | N/A | N/A |
| XXXX | 9129315 |  |  | Closed | 2025-04-18 07:17 | 2025-04-30 10:26 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves XXXX month(s) are greater than or equal to Guideline Required Reserves of XXXX month(s) - Due Diligence Vendor-04/30/2025 <br> Ready for Review-Document Uploaded. 4/29/25 - WJ - Uploaded the following statements which support verified assets of XXXX establishing adequate fund for reserves: XXXX and XXXX statements; XXXX transaction history ending XXXX; XXXX December and January statements. - Seller-04/29/2025 <br> Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 4 month(s) As per Guidelines reserves is 4 Months But loan does not meet reserves need supporting doc for sufficient reserves. - Due Diligence Vendor-04/18/2025 | Ready for Review-Document Uploaded. XXXX - WJ - Uploaded the following statements which support verified assets of $XXXX establishing adequate fund for reserves: XXXX and XXXX statements; XXXX transaction history ending XXXX; XXXX December and January statements. - Seller-04/29/2025 | Resolved-Audited Reserves of 11.82 month(s) are greater than or equal to Guideline Required Reserves of 4 month(s) - Due Diligence Vendor-04/30/2025<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | 3897618 | N/A | N/A |
| XXXX | 9129326 |  |  | Closed | 2025-04-21 12:35 | 2025-04-30 12:15 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Certificate Partially Provided | Resolved-Flood Certificate is fully present - Due Diligence Vendor-04/30/2025 <br>Ready for Review-Flood Cert is correct. Not in a flood zone. Borrower wanted flood ins anyway. HUD is correct. - Seller-04/29/2025 <br>Open-Flood Certificate is Partially Provided Per Appraisal and provided flood cert has No Flood insurance, but we have flood insurance in file which is verified from FPL, HUD-1, Require Updated Flood which states Flood Insurance required - Due Diligence Vendor-04/21/2025 | Ready for Review-Flood Cert is correct. Not in a flood zone. Borrower wanted flood ins anyway. HUD is correct. - Seller-04/29/2025<br>| Resolved-Flood Certificate is fully present - Due Diligence Vendor-04/30/2025<br>|  |  |  | XXXX | Investment | Purchase | NA | 3912607 | N/A | N/A |
| XXXX | 9129338 |  |  | Closed | 2025-04-21 09:18 | 2025-04-30 12:00 | Resolved | 1 - Information C A | Credit | Credit | Borrowing Entity / Individual has insufficient experience | Resolved-REO schedules with corresponding property profile to support borrower experience provided.<br> - Due Diligence Vendor-04/30/2025 <br> Ready for Review-Document Uploaded. 4/29/25 - WJ - Uploaded the following documents which support borrower experience: REO Schedule with corresponding property profile; Name change document to support ownership. - Seller-04/29/2025 <br> Open-Loan application shows REO's XXXX but property report not provided and no evidence of borrower ownership and for REO XXXX property reports pg#412 not reflects history within 36months to verify the borrower ownership. Provide recent or 36months property report history to verify the borrower ownership. - Due Diligence Vendor-04/21/2025 | Ready for Review-Document Uploaded. 4/29/25 - WJ - Uploaded the following documents which support borrower experience: REO Schedule with corresponding property profile; Name change document to support ownership. - Seller-04/29/2025<br>| Resolved-REO schedules with corresponding property profile to support borrower experience provided.<br> - Due Diligence Vendor-04/30/2025<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | 3911692 | N/A | N/A |
| XXXX | 9129348 |  |  | Closed | 2025-04-25 14:32 | 2025-05-06 20:54 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Missing Borrower 1 ITIN Information | Waived-Exception in findings approved for borrower to have an SSN rather than an ITIN. - Due Diligence Vendor-05/06/2025 <br> Ready for Review-Document Uploaded. 5/2/25 - WJ - Uploaded Credit Memo with an approved exception for borrower having an SSN rather than an ITIN. - Seller-05/02/2025 <br> Counter-As per application, borrower isXXXX. The Borrower 1 ITIN information is Missing. As per guidelines XXXX page 26/82, a XXXX is not eligible without an ITIN. - Due Diligence Vendor-05/01/2025 <br> Ready for Review-Document Uploaded. 4/30/25 - WJ - Uploaded LOE from borrower as to why he has an SSN rather than an ITIN and guideline showing that is acceptable. - Seller-04/30/2025 <br> Open-Borrower 1 ITIN information Missing. Please provide acceptable documentation. As per application, borrower isXXXX. The Borrower 1 ITIN information is Missing. - Due Diligence Vendor-04/25/2025 | Ready for Review-Document Uploaded. 5/2/25 - WJ - Uploaded Credit Memo with an approved exception for borrower having an XXXXrather than an XXXX. - Seller-05/02/2025 <br> Ready for Review-Document Uploaded. 4/30/25 - WJ - Uploaded LOE from borrower as to why he has an XXXX rather than anXXXX and guideline showing that is acceptable. - Seller-04/30/2025 | Waived-Exception in findings approved for borrower to have an XXXXrather than an XXXX. - Due Diligence Vendor-05/06/2025 | XXXX |  | 1. FICO - 728 - Minimum required 660 <br> 2. Experienced Borrower - 1 minimum required, borrower owns 2 investments properties <br> 3. Borrower has 17.89 months reserves and 6 months are minimum required. | XXXX | Investment | Refinance | Cash Out - Other | 3962775 | Originator Post-Close | Yes |
| XXXX | 9129348 |  |  | Closed | 2025-04-22 17:54 | 2025-04-25 14:33 | Resolved | 1 - Information C A | Credit | Credit | Foreign National Guidelines for Guarantors not met | Resolved-Updated application provided. - Due Diligence Vendor-04/25/2025 <br> Ready for Review-Document Uploaded. 4/23/25 - WJ - Uploaded loan application with foreign primary address; signed and dated.<br> - Seller-04/23/2025 <br> Open-The application in file citizenship is marked XXXX with a Primary Residence inXXXX and there is not an ITIN identified in the file. As per guidelines dated XXXX for Foreign National page 26 / 82, Required Documentation is Copy of Valid Passport from country of origin, Individual Taxpayer Identification Number (ITIN), Loan Application must reflect: Primary residence address is a foreign country and not in the XXXX. and Mailing address must be in U.S. and a P.O. Box is acceptable. Foreign nationals without an ITIN are Ineligible Borrower Sponsor as per guidelines dated XXXX Section 2.2 page 26 / 82. - Due Diligence Vendor-04/22/2025 | Ready for Review-Document Uploaded. 4/23/25 - WJ - Uploaded loan application with foreign primary address; signed and dated.<br> - Seller-04/23/2025<br>| Resolved-Updated application provided. - Due Diligence Vendor-04/25/2025<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 3928685 | N/A | N/A |
| XXXX | 9129351 |  |  | Closed | 2025-04-21 11:56 | 2025-04-25 15:00 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Citizenship Identification Documentation Missing | Resolved-Uploaded the following documents: Passport, Canadian Travel Requirements (Visa not required), Entry and Departure records. - Due Diligence Vendor-04/25/2025 <br> Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-04/25/2025 <br> Ready for Review-Document Uploaded. XXXX - WJ - Uploaded the following documents: Passport, XXXX Travel Requirements (Visa not required), Entry and Departure records. - Seller-04/23/2025 <br> Open-Borrower 1 Non-US Citizen Identification Document Missing. Please provide acceptable documentation. Borrower is XXXX but missing Non-US Citizens Identification doc in file. - Due Diligence Vendor-04/21/2025 | Ready for Review-Document Uploaded. 4/23/25 - WJ - Uploaded the following documents: Passport, Canadian Travel Requirements (Visa not required), Entry and Departure records. - Seller-04/23/2025<br>| Resolved-Uploaded the following documents: Passport, XXXX Travel Requirements (Visa not required), Entry and Departure records. - Due Diligence Vendor-04/25/2025 <br> Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-04/25/2025 | XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 3912320 | N/A | N/A |
| XXXX | 9128075 |  |  | Closed | 2025-04-18 12:21 | 2025-04-25 12:20 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-04/25/2025 <br> Ready for Review-Document Uploaded. Updated PR reflecting the final loan amount of $XXXX and the check for the IRS Tax Liens payoff - Seller-04/23/2025 <br> Open-Title Coverage Amount of XXXX is Less than Loan AmountXXXX and there is tax liens are reflecting on title, required updated title with paid proof or remove those lines form title, - Due Diligence Vendor-04/18/2025 | Ready for Review-Document Uploaded. Updated PR reflecting the final loan amount of $XXXX and the check for the IRS Tax Liens payoff - Seller-04/23/2025 | Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-04/25/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 3899147 | N/A | N/A |
| XXXX | 9128075 |  |  | Closed | 2025-04-18 13:23 | 2025-04-24 10:00 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-04/24/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-04/24/2025 <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/23/2025 <br>Open-Fraud Report Shows Uncleared Alerts Fraud Report Shows Uncleared findings - Due Diligence Vendor-04/18/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/23/2025<br>| Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-04/24/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-04/24/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 3899739 | N/A | N/A |
| XXXX | 9128075 |  |  | Closed | 2025-04-18 13:11 | 2025-04-23 09:44 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Loan Collateral Advisor with CU score less than or equal to XXXX provided, Verified & entered in system - Resolved - Due Diligence Vendor-04/23/2025 <br> Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-04/23/2025 <br> Ready for Review-Document Uploaded. XXXX - Seller-04/22/2025 <br> Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than 2.5 Secondary Valuation or Additional Valuation is missing in the file - Due Diligence Vendor-04/18/2025 | Ready for Review-Document Uploaded. XXXXSSR - Seller-04/22/2025 | Resolved-Loan Collateral Advisor with CU score less than or equal to XXXX provided, Verified & entered in system - Resolved - Due Diligence Vendor-04/23/2025 <br> Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-04/23/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 3899584 | N/A | N/A |
| XXXX | 9128072 |  |  | Closed | 2025-04-21 11:12 | 2025-04-29 15:18 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-1008 Updated. - Due Diligence Vendor-04/29/2025 <br>Resolved- - Due Diligence Vendor-04/28/2025 <br>Ready for Review-Document Uploaded. Updated 1003 and 1008 with updated income - Seller-04/24/2025 <br>Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Given worksheet values not support to the 1003, unable to read and As per narrative doc, 2 employers are working on business, need to considered 30% expenses factor but income worksheet considered the 15% expenses factor, required updated income worksheet with 1003 values. - Due Diligence Vendor-04/21/2025 | Ready for Review-Document Uploaded. Updated 1003 and 1008 with updated income - Seller-04/24/2025<br>| Resolved-1008 Updated. - Due Diligence Vendor-04/29/2025<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 3912122 | N/A | N/A |
| XXXX | 9128072 |  |  | Closed | 2025-04-21 11:36 | 2025-04-25 09:39 | Resolved | 1 - Information C A | Credit | Credit | DTI unknown | Resolved-Updated Final 1003 and 1008 with updated income uploaded, DTI is matching with the 1008, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/25/2025 <br> Ready for Review-Document Uploaded. Updated 1003 and 1008 with updated income - Seller-04/24/2025 <br> Open-1003 and 1008 reflects different incomeXXXX & XXXX respectively and those values not supporting to the calculated income of XXXX and not included the student loans into DTI (Calculated DTI is Sub property PITI $XXXX+ Other REO loss $XXXX+ All other monthly payments $XXXX = $XXXX / $XXXX = XXXX%). Required updated 1003, 1008 with correct income details. - Due Diligence Vendor-04/21/2025 | Ready for Review-Document Uploaded. Updated 1003 and 1008 with updated income - Seller-04/24/2025<br>| Resolved-Updated Final 1003 and 1008 with updated income uploaded, DTI is matching with the 1008, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/25/2025<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 3912221 | N/A | N/A |
| XXXX | 9128072 |  |  | Closed | 2025-04-21 09:47 | 2025-04-24 10:53 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/24/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-04/24/2025 <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/23/2025 <br>Open-Fraud Report Shows Uncleared Alerts Fraud Report Shows one Uncleared finding on high category. - Due Diligence Vendor-04/21/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/23/2025<br>| Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/24/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-04/24/2025<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 3911806 | N/A | N/A |
| XXXX | 9128072 |  |  | Closed | 2025-04-21 10:29 | 2025-04-21 10:34 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (XXXX) APR equals or exceeds the Federal HPML threshold of (XXXX). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX).(XXXX) This loan failed the higher-priced mortgage loan test. (XXXX))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#384 and the Final Closing disclosure on Pg#196, Finding reflects escrows. Rate lock date was entered correctly – see Pg#415, 414. An interior and exterior appraisal was completed for this property – see Pg#43-79, the appraisal disclosure was provided to the borrower(s)- see Pg#42, and confirmation the appraisal was delivered to the borrower – see Pg#41. The loan meets XXXXguidelines, resolved.<br> - Due Diligence Vendor-04/21/2025 |  | Resolved-The loan's (XXXX) APR equals or exceeds the Federal XXXX threshold of (XXXX). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX).(XXXX(i)) This loan failed the higher-priced mortgage loan test. (XXXX))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#XXXX and the Final Closing disclosure on Pg#196, Finding reflects escrows. Rate lock date was entered correctly – see Pg#XXXX. An interior and exterior appraisal was completed for this property – see Pg#XXXX, the appraisal disclosure was provided to the borrower(s)- see Pg#XXXX, and confirmation the appraisal was delivered to the borrower – see Pg#XXXX. The loan meets XXXXguidelines, resolved.<br> - Due Diligence Vendor-04/21/2025 |  |  |  | XXXX | Primary Residence | Purchase | NA | 3911948 | N/A | N/A |
| XXXX | 9128036 |  |  | Closed | 2025-04-25 20:10 | 2025-05-02 13:02 | Resolved | 1 - Information C A | Credit | Credit | DTI unknown | Resolved-Updated 1008 DTI is now in line. - Due Diligence Vendor-05/02/2025 <br> Ready for Review-Document Uploaded. Updated 1008 - Seller-05/01/2025 <br> Counter-Need updated 1008 with back end DTI at XXXX - Due Diligence Vendor-04/30/2025 <br> Ready for Review-Document Uploaded. Updated 1003 - Seller-04/29/2025 <br> Open-Investment property is not being used as rent loss income Since co borrower is on the loan then the rent loss should be considered. - Due Diligence Vendor-04/25/2025 | Ready for Review-Document Uploaded. Updated 1008 - Seller-05/01/2025 <br>Ready for Review-Document Uploaded. Updated 1003 - Seller-04/29/2025<br>| Resolved-Updated 1008 DTI is now in line. - Due Diligence Vendor-05/02/2025<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 3968085 | N/A | N/A |
| XXXX | 9128036 |  |  | Closed | 2025-04-24 13:26 | 2025-04-24 13:32 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (8.14%) APR equals or exceeds the Federal HPML threshold of (8.12%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.62%).XXX(a)(1)(i)) This loan failed the higher-priced mortgage loan test.XXX (1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page XXXX and the Final Closing disclosure on page XXXX reflects escrows. Rate lock date was entered correctly – see page XXXX An interior and exterior appraisal was completed for this property – see page XXXX and the appraisal disclosure was provided to the borrower(s)- see page XXXX and confirmation the appraisal was delivered to the borrower – see pageXXXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-04/24/2025 |  | Resolved-The loan's (8.14%) APR equals or exceeds the Federal HPML threshold of (8.12%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.62%).XXXX (1)(i)) This loan failed the higher-priced mortgage loan test. XXXX (1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX , some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page # 385,386 and the Final Closing disclosure on page XXXX reflects escrows. Rate lock date was entered correctly – see page XXXX. An interior and exterior appraisal was completed for this property – see page # 48-83 and the appraisal disclosure was provided to the borrower(s)- see page XXXX and confirmation the appraisal was delivered to the borrower – see page # 46, 47. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-04/24/2025 |  |  |  | XXXX | Primary Residence | Purchase | NA | 3949525 | N/A | N/A |
| XXXX | 9066939 |  |  | Closed | 2025-04-25 08:47 | 2025-05-06 12:34 | Resolved | 1 - Information C A | Compliance | Fees:Prohibited | Federal - Dual Compensation To Broker (Loan Originator) Not Allowed (TILA) | Resolved-PCCD received hence resolved. - Due Diligence Vendor-05/06/2025 <br> Ready for Review-Document Uploaded. - Seller-05/02/2025 <br> Open-The Mortgage Broker (loan originator) received compensation directly from the Borrower and from another person in this loan transaction. Under Regulation Z, if a loan originator receives compensation directly from a consumer, a loan originator cannot receive compensation, directly or indirectly, from any person other than the consumer in connection with the transaction. XXXX Final cd reflecting Broker fees, one is XXXX for buyer, another XXXX paid by others, hence updated as per document. - Due Diligence Vendor-04/25/2025 | Ready for Review-Document Uploaded. - Seller-05/02/2025<br>| Resolved-PCCD received hence resolved. - Due Diligence Vendor-05/06/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 3960029 | N/A | N/A |
| XXXX | 9127838 |  |  | Closed | 2025-04-25 12:20 | 2025-06-12 13:06 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan meets HPML guidelines, resolved. - Due Diligence Vendor-06/12/2025 <br> Open-. - Due Diligence Vendor-06/12/2025 <br> Resolved-Transferred appraisal, attached releasing copy of appraisal to borrower. - Due Diligence Vendor-06/12/2025 <br> Ready for Review-This is a transferred appraisal as we are not in control of the delivery or timing and are not held responsible for this guideline and use the transfer notice date. - Seller-06/10/2025 <br> Counter-The attached is not proof that the appraisal was delivered to the borrower. Just indicates approving release of the appraisal. Need proof appraisal was delivered to the borrower. - Due Diligence Vendor-05/01/2025 <br> Ready for Review-Document Uploaded. Hi, it's on page 132 of our package. - Seller-04/30/2025 <br> Open-The loan's (8.36%) APR equals or exceeds the Federal HPML threshold of (8.12%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.62%).XXXX (1)(i)) \*\*\*Missing Appraisal deliv+O77+O79+O77+O79 | Ready for Review-This is a transferred appraisal as we are not in control of the delivery or timing and are not held responsible for this guideline and use the transfer notice date. - Seller-06/10/2025 <br>Ready for Review-Document Uploaded. Hi, it's on page 132 of our package. - Seller-04/30/2025<br>| Resolved-The loan meets XXXX guidelines, resolved. - Due Diligence Vendor-06/12/2025 <br> Resolved-Transferred appraisal, attached releasing copy of appraisal to borrower. - Due Diligence Vendor-06/12/2025 | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 3961196 | N/A | N/A |
| XXXX | 9127838 |  |  | Closed | 2025-04-25 10:34 | 2025-05-01 12:56 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Executed 4506-T Missing | Resolved-Borrower 2 Executed 4506-T provided. - Due Diligence Vendor-05/01/2025 <br>Resolved-Borrower 2 Executed 4506-T Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-05/01/2025 <br>Ready for Review-Document Uploaded. Hi, please see attached. - Seller-04/30/2025 <br>Open-Borrower 2 Executed 4506-T Missing Provide 4506 missing in loan file - Due Diligence Vendor-04/25/2025 | Ready for Review-Document Uploaded. Hi, please see attached. - Seller-04/30/2025<br>| Resolved-Borrower 2 Executed 4506-T provided. - Due Diligence Vendor-05/01/2025 <br>Resolved-Borrower 2 Executed 4506-T Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-05/01/2025<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 3960483 | N/A | N/A |
| XXXX | 9128077 |  |  | Closed | 2025-04-25 05:52 | 2025-04-30 12:50 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Borrower 1 Gap Credit Report uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/30/2025 <br> Ready for Review-Document Uploaded. Gap Credit - Seller-04/29/2025 <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). GAP Report dated XXXX which is more than 10 days from closing date of XXX. - Due Diligence Vendor-04/25/2025 | Ready for Review-Document Uploaded. Gap Credit - Seller-04/29/2025<br>| Resolved-Borrower 1 Gap Credit Report uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/30/2025<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | 3959100 | N/A | N/A |
| XXXX | 9128077 |  |  | Closed | 2025-04-25 05:35 | 2025-04-30 12:49 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Lender Income Calculation Worksheet uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/30/2025 <br> Ready for Review-Document Uploaded. Income Worksheets - Seller-04/29/2025 <br> Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Income calculation worksheet for checking XXXX account on page XXX is illegible. - Due Diligence Vendor-04/25/2025 | Ready for Review-Document Uploaded. Income Worksheets - Seller-04/29/2025<br>| Resolved-Lender Income Calculation Worksheet uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/30/2025<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | 3959044 | N/A | N/A |
| XXXX | 9128022 |  |  | Closed | 2025-04-30 17:32 | 2025-05-02 12:14 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Validation Resolved' - Due Diligence Vendor-05/02/2025 <br>Ready for Review-Document Uploaded. Income Worksheets - Seller-05/01/2025 <br>Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Income worksheet did not come in legible and broken up. - Due Diligence Vendor-04/30/2025 | Ready for Review-Document Uploaded. Income Worksheets - Seller-05/01/2025<br>| Resolved-Validation Resolved' - Due Diligence Vendor-05/02/2025<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 4006825 | N/A | N/A |
| XXXX | 9128022 |  |  | Closed | 2025-04-29 11:33 | 2025-05-02 10:15 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-05/02/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-05/02/2025 <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-05/01/2025 <br>Open-Fraud Report Shows Uncleared Alerts Provide updated Fraud report. Fraud report shows uncleared alerts. - Due Diligence Vendor-04/29/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-05/01/2025<br>| Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-05/02/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-05/02/2025<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 3990006 | N/A | N/A |
| XXXX | 9128035 |  |  | Closed | 2025-04-30 18:22 | 2025-05-05 19:14 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared. - Due Diligence Vendor-05/05/2025 <br> Ready for Review-Document Uploaded. Cleared Alerts - Seller-05/05/2025 <br> Open-Fraud Report Shows Uncleared Alerts • The XXXX Alerts Summary document shows a total of 9 High alerts, only 8 of which were cleared. Please provide the documentation that shows all alerts were reviewed & cleared. - Due Diligence Vendor-04/30/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-05/05/2025<br>| Resolved-All Fraud Report Alerts have been cleared. - Due Diligence Vendor-05/05/2025<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | 4007633 | N/A | N/A |
| XXXX | 9128035 |  |  | Closed | 2025-04-30 06:23 | 2025-05-05 19:14 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Hazard Insurance Effective Date of XXXX is prior to or equal to the Note Date of XXXX. Issue resolved. - Due Diligence Vendor-05/05/2025 <br> Ready for Review-Document Uploaded. Insurance - Seller-05/05/2025 <br> Open-Hazard Insurance Effective Date of XXXX is after the Note Date of XXXX • Hazard Insurance Effective Date of XXXX is after the Note Date ofXXXX and the Disbursement Date of XXXX. - Due Diligence Vendor-04/30/2025 | Ready for Review-Document Uploaded. Insurance - Seller-05/05/2025<br>| Resolved-Hazard Insurance Effective Date of XXXX is prior to or equal to the Note Date ofXXXX . Issue resolved. - Due Diligence Vendor-05/05/2025 | XXXX |  |  | XXXX | Investment | Purchase | NA | 4000027 | N/A | N/A |
| XXXX | 9128035 |  |  | Closed | 2025-04-30 07:44 | 2025-05-05 19:13 | Resolved | 1 - Information C A | Credit | Credit | DTI discrepancy or failure. | Resolved-Corrected 1008 received. DTI's match. Issue resolved. - Due Diligence Vendor-05/05/2025 <br> Ready for Review-Document Uploaded. 1008 - Seller-05/05/2025 <br> Open-• DTI discrepancy on the loan. Audit's calculated DTI is 28.6073%, but Originator DTI is 29.79%. Variance is 1.18% due to the difference in all other monthly payments. Audit calculated all monthly payments as XXXX (Primary Residence REO XXXX + Subject Property REO XXXX + XXXX XXXX REO XXXX + XXXX XXXX XXXX + XXXX REO XXXX + XXXX XXXX REO XXXX + XXXX Credit Report Debt = XXXX. Whereas as per the provided 1008, it is XXXX. Unable to determine the source of calculation for the originator's XXXX. - Due Diligence Vendor-04/30/2025 | Ready for Review-Document Uploaded. 1008 - Seller-05/05/2025<br>| Resolved-Corrected XXXX received. DTI's match. Issue resolved. - Due Diligence Vendor-05/05/2025 | XXXX |  |  | XXXX | Investment | Purchase | NA | 4000287 | N/A | N/A |
| XXXX | 9128035 |  |  | Closed | 2025-04-30 06:25 | 2025-05-05 19:11 | Resolved | 1 - Information C A | Credit | Assets | Asset General | Resolved-Settlement Statement received showing the actual amount. System updated. Issue resolved. - Due Diligence Vendor-05/05/2025 <br> Ready for Review-Document Uploaded. Final Funds - Seller-05/05/2025 <br> Open-• Evidence of the receipt of the XXXX coming from the refi of XXXX (XXXX loan ID XXXX) is needed. - Due Diligence Vendor-04/30/2025 | Ready for Review-Document Uploaded. Final Funds - Seller-05/05/2025<br>| Resolved-Settlement Statement received showing the actual amount. System updated. Issue resolved. - Due Diligence Vendor-05/05/2025<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | 4000041 | N/A | N/A |
| XXXX | 9128035 |  |  | Closed | 2025-04-30 17:18 | 2025-05-05 19:08 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Corrected 1008 received. - Due Diligence Vendor-05/05/2025 <br> Ready for Review-Document Uploaded. 1008 - Seller-05/05/2025 <br> Open-The 1008 document is missing from the loan file. • The Flood Insurance on the 1008 shows XXXX; however, the Final CD and the First Payment Letter to borrower showsXXXX. This difference is causing a slight difference in DTI as well. - Due Diligence Vendor-04/30/2025 | Ready for Review-Document Uploaded. 1008 - Seller-05/05/2025<br>| Resolved-Corrected 1008 received. - Due Diligence Vendor-05/05/2025<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | 4006578 | N/A | N/A |
| XXXX | 9128003 |  |  | Closed | 2025-04-29 10:33 | 2025-05-07 23:23 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Verification of Credit Monitoring provided. Resolved. - Due Diligence Vendor-05/07/2025 <br> Ready for Review-Document Uploaded. UW Response: Screenshot to show we have a UDM Batch running on this file from XXXX Any time the borrower runs credit or opens a tradeline we are notified. The UDM we provided was the only credit run they had during this period - Seller-05/06/2025 <br> Counter-Provided Credit Monitoring Service report date is not within 10 days. - Due Diligence Vendor-05/05/2025 <br> Ready for Review-Document Uploaded. UDM Gap Credit - Seller-05/02/2025 <br> Open-Borrower 1 Gap Credit Report is Missing Provide Gap credit report as its missing in file. - Due Diligence Vendor-04/29/2025 | Ready for Review-Document Uploaded. UW Response: Screenshot to show we have a UDM Batch running on this file from 3/22 – 4/24. Any time the borrower runs credit or opens a tradeline we are notified. The UDM we provided was the only credit run they had during this period - Seller-05/06/2025 <br>Ready for Review-Document Uploaded. UDM Gap Credit - Seller-05/02/2025<br>| Resolved-Verification of Credit Monitoring provided. Resolved. - Due Diligence Vendor-05/07/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 3989629 | N/A | N/A |
| XXXX | 9128003 |  |  | Closed | 2025-04-30 17:56 | 2025-05-05 14:02 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Fraud report with no alerts provided. Resolved. - Due Diligence Vendor-05/05/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-05/05/2025 <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-05/02/2025 <br>Open-Fraud Report Shows Uncleared Alerts Fraud Report shows uncleared alerts. - Due Diligence Vendor-04/30/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-05/02/2025<br>| Resolved-Fraud report with no alerts provided. Resolved. - Due Diligence Vendor-05/05/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-05/05/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 4007230 | N/A | N/A |
| XXXX | 9128003 |  |  | Closed | 2025-04-29 10:02 | 2025-05-01 13:14 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount ofXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-05/01/2025 <br> Ready for Review-Document Uploaded. Title Supp for correct loan amount - Seller-04/30/2025 <br> Open-Title Coverage Amount of XXXX is Less than Loan Amount Title coverage amount of XXXX is not sufficient for loan amountXXXX. Updated commitment of final title policy required. - Due Diligence Vendor-04/29/2025 | Ready for Review-Document Uploaded. Title Supp for correct loan amount - Seller-04/30/2025<br>| Resolved-Title Coverage Amount of XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-05/01/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 3989475 | N/A | N/A |
| XXXX | 9128003 |  |  | Closed | 2025-04-30 03:02 | 2025-04-30 18:03 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (8.169%) APR equals or exceeds the Federal HPML threshold of (8.12%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.62%).XXXX (1)(i)) The loan meets HPML guidelines, resolved. - Due Diligence Vendor-04/30/2025 |  | Resolved-The loan's (8.169%) APR equals or exceeds the XXXX of (8.12%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.62%).XXXX (i)) The loan meets HPML guidelines, resolved. - Due Diligence Vendor-04/30/2025 |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 3999596 | N/A | N/A |
| XXXX | 9113556 |  |  | Closed | 2025-04-29 10:26 | 2025-05-02 09:45 | Resolved | 1 - Information C A | Credit | Credit | DTI discrepancy or failure. | Resolved-Updated 1008 Document uploaded, DTI is matching with the 1008, Verified & entered in system - Resolved<br> - Due Diligence Vendor-05/02/2025 <br> Ready for Review-Document Uploaded. 1008 - Seller-05/01/2025 <br> Open-Audited DTI is 30.6 and lender DTI is 34.37. the difference is 3.77.<br>This is due to the difference in monthly liabilities. Per 1008 document, all other monthly payment is XXXX and per documentation on file it is XXXX (credit liabilities XXXX + REO XXXX). The difference is XXXX. This is because lender considered REO amount of XXXX twice in DTI. - Due Diligence Vendor-04/29/2025 | Ready for Review-Document Uploaded. 1008 - Seller-05/01/2025<br>| Resolved-Updated 1008 Document uploaded, DTI is matching with the 1008, Verified & entered in system - Resolved<br> - Due Diligence Vendor-05/02/2025<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 3989599 | N/A | N/A |
| XXXX | 9113556 |  |  | Closed | 2025-04-29 10:16 | 2025-05-02 09:44 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-05/02/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-05/02/2025 <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-05/01/2025 <br>Open-Fraud Report Shows Uncleared Alerts Provide updated fraud report with all cleared alerts as the one on file shows uncleared alerts. - Due Diligence Vendor-04/29/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-05/01/2025<br>| Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-05/02/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-05/02/2025<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 3989564 | N/A | N/A |
| XXXX | 9128023 |  |  | Closed | 2025-04-30 17:42 | 2025-05-02 13:23 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-05/02/2025 <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-05/01/2025 <br>Open-Fraud Report Shows Uncleared Alerts - Due Diligence Vendor-04/30/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-05/01/2025<br>| Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-05/02/2025<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 4006989 | N/A | N/A |
| XXXX | 9128023 |  |  | Closed | 2025-04-30 09:17 | 2025-05-01 11:30 | Resolved | 1 - Information C A | Property | Value | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Freddie SSR provided.<br> - Due Diligence Vendor-05/01/2025 <br> Ready for Review-Document Uploaded. Freddie SSR - Seller-04/30/2025 <br> Open-For securitization, a second property valuation needs to be provided. File needs a FNMA and/or FHLMC UCDP/SSR report with scores less than XXXX; or the file needs an Appraisal Desk Review.<br> - Due Diligence Vendor-04/30/2025 | Ready for Review-Document Uploaded. Freddie SSR - Seller-04/30/2025<br>| Resolved-Freddie SSR provided.<br> - Due Diligence Vendor-05/01/2025<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 4000709 | N/A | N/A |
| XXXX | 9128031 |  |  | Closed | 2025-04-29 08:20 | 2025-05-22 12:16 | Resolved | 1 - Information C A | Credit | Assets | Asset General | Resolved-received final settlement statement for cash proceeds - resolved - Due Diligence Vendor-05/22/2025 <br> Ready for Review-Document Uploaded. Final SS and 1003 - Seller-05/21/2025 <br> Open-Provide proof of funds for the proceeds from real estate property of XXXX as per 1003 final on page XXXX - Due Diligence Vendor-04/29/2025 | Ready for Review-Document Uploaded. Final SS and 1003 - Seller-05/21/2025<br>| Resolved-received final settlement statement for cash proceeds - resolved - Due Diligence Vendor-05/22/2025<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 3989047 | N/A | N/A |
| XXXX | 9128031 |  |  | Closed | 2025-04-29 08:07 | 2025-05-02 13:20 | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-05/02/2025 <br> Ready for Review-Document Uploaded. VOM - they had a paid off mortgage - Seller-05/01/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Provide XXXX months housing history, provided only XXXX months verify from Credit report page XXXX and Supplemental credit report page XXXX - Due Diligence Vendor-04/29/2025 | Ready for Review-Document Uploaded. VOM - they had a paid off mortgage - Seller-05/01/2025<br>| Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-05/02/2025<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 3988997 | N/A | N/A |
| XXXX | 9128031 |  |  | Closed | 2025-04-30 12:50 | 2025-05-02 13:17 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-05/02/2025 <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-05/01/2025 <br>Open-Fraud Report Shows Uncleared Alerts - Due Diligence Vendor-04/30/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-05/01/2025<br>| Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-05/02/2025<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 4002000 | N/A | N/A |
| XXXX | 9128064 |  |  | Closed | 2025-04-30 17:18 | 2025-05-05 12:23 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received all clear alert updated fraud page. - Due Diligence Vendor-05/05/2025 <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-05/02/2025 <br>Open-Missing Third Party Fraud Report Fraud report shows uncleared alerts - Due Diligence Vendor-04/30/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-05/02/2025<br>| Resolved-Received all clear alert updated fraud page. - Due Diligence Vendor-05/05/2025<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 4006580 | N/A | N/A |
| XXXX | 9128064 |  |  | Closed | 2025-04-29 07:02 | 2025-05-05 10:32 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Updated Lender Income Calculation Worksheet uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-05/05/2025 <br> Resolved-Validation Resolved' - Due Diligence Vendor-05/05/2025 <br> Ready for Review-Document Uploaded. Income worksheet - Seller-05/02/2025 <br> Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Provide updated income sheet as the income is qualifying annually verified from XXXX page XXXX $XXXX=$XXXX not matching with the provided income sheet page XXXX qualifying income is $XXXX. - Due Diligence Vendor-04/29/2025 | Ready for Review-Document Uploaded. Income worksheet - Seller-05/02/2025<br>| Resolved-Updated Lender Income Calculation Worksheet uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-05/05/2025 <br>Resolved-Validation Resolved' - Due Diligence Vendor-05/05/2025<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 3988809 | N/A | N/A |
| XXXX | 9128010 |  |  | Closed | 2025-05-01 07:26 | 2025-05-09 00:33 | Resolved | 1 - Information C A | Compliance | TRID | Final CD: Closing Cost Detail fee(s) not disclosed in the proper section based on ability to shop | Resolved-PCCD provided and updated. - Due Diligence Vendor-05/09/2025 <br> Resolved- - Due Diligence Vendor-05/05/2025 <br> Ready for Review-Document Uploaded. Corrected PCCD - Seller-05/02/2025 <br> Open-Title fees (XXXX) is paid to a provider that's not on providers list but the fee is still in section XXXX, move the Fee (XXXX) to section XXXX. - Due Diligence Vendor-05/01/2025 | Ready for Review-Document Uploaded. Corrected PCCD - Seller-05/02/2025<br>| Resolved-PCCD provided and updated. - Due Diligence Vendor-05/09/2025<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 4011571 | N/A | N/A |
| XXXX | 9128010 |  |  | Closed | 2025-05-02 16:34 | 2025-05-09 00:23 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-05/09/2025 <br> Resolved-resolved - Due Diligence Vendor-05/05/2025 <br> Ready for Review-resolved - Due Diligence Vendor-05/05/2025 <br> Ready for Review-Document Uploaded. Final CD - Seller-05/02/2025 <br> Open-TRID: Missing Final Closing Disclosure - Due Diligence Vendor-05/02/2025 | Ready for Review-Document Uploaded. Final CD - Seller-05/02/2025<br>| Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-05/09/2025 <br>Resolved-resolved - Due Diligence Vendor-05/05/2025<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 4029230 | N/A | N/A |
| XXXX | 9128010 |  |  | Closed | 2025-05-02 16:57 | 2025-05-06 14:05 | Resolved | 1 - Information D A | Credit | Missing Doc | Asset 1 Missing | Resolved-resolved - Due Diligence Vendor-05/06/2025 <br> Ready for Review-Document Uploaded. Final HUD showing $XXXXk in gift of equity - Seller-05/05/2025 <br> Open-missing evidence of the $XXXX gift of equity, also evidence the receipt of cash gift at closing received by title company - Due Diligence Vendor-05/02/2025 | Ready for Review-Document Uploaded. Final XXXX showing $XXXXk in gift of equity - Seller-05/05/2025 | Resolved-resolved - Due Diligence Vendor-05/06/2025<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 4029572 | N/A | N/A |
| XXXX | 9128010 |  |  | Closed | 2025-05-01 06:21 | 2025-05-06 10:37 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-05/06/2025 <br> Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-05/06/2025 <br> Ready for Review-Document Uploaded. Cleared Alerts - Seller-05/05/2025 <br> Open-XXXX Uncleared Alerts Provide the updated fraud report, XXXX Uncleared Alerts. - Due Diligence Vendor-05/01/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-05/05/2025<br>| Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-05/06/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-05/06/2025<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 4011294 | N/A | N/A |
| XXXX | 9127820 |  |  | Closed | 2025-05-02 05:39 | 2025-05-12 19:53 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves ofXXXX month(s) are greater than or equal to Guideline Required Reserves of XXXX month(s) - Due Diligence Vendor-05/12/2025 <br> Resolved-XXXX states XXXX refinance does not require reserves (XXXXnd homes) if housing history XXXX and P&I payment reduction of XXXX%. Subject is a Primary residence, R/T refinance, housing history is XXXX and P&I payment from $XXXX to $XXXX. - Due Diligence Vendor-05/12/2025 <br> Ready for Review-Document Uploaded. Client Response: " it says reserve requirements are waived for R/T transactions when transaction results in a reduction to the monthly principal and interest payment of XXXX% or greater. Current P&I payment is $XXXX with XXXX% rate (see attached Mtg Stmt). New P&I is $XXXX at XXXX% (see snippet attached)." - Seller-05/09/2025 <br> Open-Audited Reserves of XXXX month(s) are less than Guideline Required Reserves ofXXXX month(s) Current reserves calculated atXXXX months of reserves. GL requiresXXXX months of reserves. - Due Diligence Vendor-05/02/2025 | Ready for Review-Document Uploaded. Client Response: " it says reserve requirements are waived for R/T transactions when transaction results in a reduction to the monthly principal and interest payment of XXXX% or greater. Current P&I payment is $XXXX with XXXX% rate (see attached Mtg Stmt). New P&I is $XXXX at XXXX% (see snippet attached)." - Seller-05/09/2025 | Resolved-Audited Reserves ofXXXXmonth(s) are greater than or equal to Guideline Required Reserves of 0 month(s) - Due Diligence Vendor-05/12/2025 <br> Resolved-GL states R/T refinance does not require reserves (XXXXnd homes) if housing history XXXX and P&I payment reduction of XXXX%. Subject is a Primary residence, R/T refinance, housing history isXXXX and P&I payment from $XXXX to $XXXX. - Due Diligence Vendor-05/12/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 4023378 | N/A | N/A |
| XXXX | 9127820 |  |  | Closed | 2025-05-02 05:04 | 2025-05-09 14:09 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Validation Resolved - Due Diligence Vendor-05/09/2025 <br> Open-Qualifying FICO on theXXXX Page is 'XXXX' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. Qualifying FICO Method as Primary wage earner mid score of XXXX, however the XXXX and Loan Approval indicates the score of XXXX. Revised XXXXand Loan Approval required. - Due Diligence Vendor-05/02/2025 |  | Resolved-Validation Resolved - Due Diligence Vendor-05/09/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 4023296 | N/A | N/A |
| XXXX | 9127820 |  |  | Closed | 2025-05-02 08:59 | 2025-05-09 14:06 | Resolved | 1 - Information B A | Credit | Doc Issue | Borrower Certification of Appraisal Delivery is Missing | Resolved-Resolving for more appropriate finding - Due Diligence Vendor-05/09/2025 <br> Open-Proof of appraisal delivery to the borrower required. Typically, this is in the form of a Reggora or Certified Report Delivery document confirming receipt of the valuation by the borrower. XXXXprovisions will not be cleared until confirmed. - Due Diligence Vendor-05/09/2025 <br> Ready for Review-Document Uploaded. See XXXX Appraisal Provided date. - Seller-05/08/2025 <br> Open-Loan is an XXXXL compliance fail. Please provide shipping/tracking proof a copy of the appraisal was sent to the borrower. - Due Diligence Vendor-05/08/2025 <br> Ready for Review-Document Uploaded. - Seller-05/06/2025 <br> Open-Evidence a copy of the appraisal was delivered to the borrower due to XXXX. - Due Diligence Vendor-05/02/2025 | Ready for Review-Document Uploaded. See 1st Appraisal Provided date. - Seller-05/08/2025 <br>Ready for Review-Document Uploaded. - Seller-05/06/2025<br>| Resolved-Resolving for more appropriate finding - Due Diligence Vendor-05/09/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 4024634 | N/A | N/A |
| XXXX | 9127820 |  |  | Closed | 2025-05-02 08:41 | 2025-05-07 09:45 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Letter of Explanation (Assets) | Resolved-B1 is the only owner of the business and have access to use funds from XXXX bank business account#XXXX, Verified - Resolved - Due Diligence Vendor-05/07/2025 <br> Ready for Review-Document Uploaded. - Seller-05/06/2025 <br> Open-Missing borrower letter of access to use funds from XXXX bank business account#XXXX - Due Diligence Vendor-05/02/2025 | Ready for Review-Document Uploaded. - Seller-05/06/2025<br>| Resolved-XXXX is the only owner of the business and have access to use funds fromXXXX bank business account#XXXX, Verified - Resolved - Due Diligence Vendor-05/07/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 4024398 | N/A | N/A |
| XXXX | 9127820 |  |  | Closed | 2025-05-02 04:47 | 2025-05-07 09:41 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Lender Income Calculation Worksheet uploaded, Verified & entered in system - Resolved<br>- Due Diligence Vendor-05/07/2025 <br> Resolved-Validation Resolved' - Due Diligence Vendor-05/07/2025 <br> Ready for Review-Document Uploaded. - Seller-05/06/2025 <br> Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Borrower 1 Lender income worksheet is missing. Hence considered Deposits of each month fromXXXX Bank acct#XXXX for XXXX months. - Due Diligence Vendor-05/02/2025 | Ready for Review-Document Uploaded. - Seller-05/06/2025<br>| Resolved-Lender Income Calculation Worksheet uploaded, Verified & entered in system - Resolved<br>- Due Diligence Vendor-05/07/2025 <br>Resolved-Validation Resolved' - Due Diligence Vendor-05/07/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 4023264 | N/A | N/A |
| XXXX | 9127820 |  |  | Closed | 2025-05-02 04:36 | 2025-05-07 09:38 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Final Title Policy uploaded,XXXX Coverage Amount of $XXXX is equal to Total Amount of Subject Lien(s), Verified & entered in system - Resolved<br>- Due Diligence Vendor-05/07/2025 <br> Resolved-XXXX Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-05/07/2025 <br> Ready for Review-Document Uploaded. - Seller-05/06/2025 <br> Open-Title Coverage Amount of $XXXX is Less than Loan Amount - Due Diligence Vendor-05/02/2025 | Ready for Review-Document Uploaded. - Seller-05/06/2025<br>| Resolved-Final Title Policy uploaded, Title Coverage Amount of $XXXX is equal to Total Amount of Subject Lien(s), Verified & entered in system - Resolved<br>- Due Diligence Vendor-05/07/2025 <br> Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-05/07/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 4023243 | N/A | N/A |
| XXXX | 9127820 |  |  | Closed | 2025-05-02 06:22 | 2025-05-14 18:08 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-Proof of appraisal delivery on 2/27/2025 to customer - satisfies the XXXX final requirement. - Due Diligence Vendor-05/14/2025 <br> Ready for Review-Document Uploaded. - Seller-05/13/2025 <br> Open-Proof of appraisal delivery to the borrower required. Typically, this is in the form of a Reggora or Certified Report Delivery document confirming receipt of the valuation by the borrower. XXXX requirements will not be cleared until confirmed. - Due Diligence Vendor-05/09/2025 <br> Resolved-The loan's (XXXX%) XXXX equals or exceeds the Federal XXXX threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable XXXX for this loan is (XXXX%).(XXXX5(a)(1)(i)) The appraisal disclosure was provided to the borrower(s) is missing in the file. Finding raised on the same.<br> This loan failed the higher-priced mortgage loan test. (XXXX(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX CFR §XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'sXXXXand the Final Closing disclosure on Pg#'s XXXX Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXXX. An interior and exterior appraisal was completed for this property – see pg XXXX, confirmation the appraisal was delivered to the borrower – see Pg#'s XXXX. - Due Diligence Vendor-05/02/2025 | Ready for Review-Document Uploaded. - Seller-05/13/2025<br>| Resolved-Proof of appraisal delivery onXXXX to customer - satisfies the XXXX final requirement. - Due Diligence Vendor-05/14/2025 <br> Resolved-The loan's (XXXX%) XXXX equals or exceeds the Federal XXXX threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is XXXX%).(XXXX(a)(1)(i)) The appraisal disclosure was provided to the borrower(s) is missing in the file. Finding raised on the same.<br> This loan failed the higher-priced mortgage loan test. (XXXX(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure Page was entered correctly All disclosures, XXXX, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXXX and the Final Closing disclosure on Pg#'s XXXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXXX. An interior and exterior appraisal was completed for this property – see pg XXXX, confirmation the appraisal was delivered to the borrower – see Pg#'s XXXX. - Due Diligence Vendor-05/02/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 4023500 | N/A | N/A |
| XXXX | 9128026 |  |  | Closed | 2025-05-02 05:19 | 2025-05-06 11:01 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-05/06/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-05/06/2025 <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-05/05/2025 <br>Open-Fraud Report Shows Uncleared Alerts Fraud Report Shows Uncleared finding on medium category. - Due Diligence Vendor-05/02/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-05/05/2025<br>| Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-05/06/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-05/06/2025<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 4023326 | N/A | N/A |
| XXXX | 9128038 |  |  | Closed | 2025-05-02 10:55 | 2025-05-06 20:03 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of XXXX month(s) are greater than or equal to Guideline Required Reserves ofXXXX month(s) - Due Diligence Vendor-05/06/2025 <br> Resolved-Updated XXXX received to include an additional XXXX account. System updated to include it. Audited Reserves ofXXXX month(s) are greater than or equal to Guideline Required Reserves of XXXX month(s). - Due Diligence Vendor-05/06/2025 <br> Ready for Review-Document Uploaded. XXXX - Seller-05/06/2025 <br> Open-Audited Reserves of XXXX month(s) are less than Guideline Required Reserves of XXXX month(s) • Per the Matrix for reserves for a Grade B loan: "All occupancies: < = XXXX Mos." Total amount for assets verified was $XXXX from XXXX #XXXX, XXXX #XXXX, and the XXXX. Minus the $XXXX for funds to close leaves $XXXX for post-close assets for reserves. Reserves are XXXX months x $XXXX per the Final CD = $XXXX needed for reserves. Therefore, the loan is short reserves by $XXXX. Total reserves are only XXXX months. - Due Diligence Vendor-05/02/2025 | Ready for Review-Document Uploaded. XXXX - Seller-05/06/2025 | Resolved-Audited Reserves of XXXX month(s) are greater than or equal to Guideline Required Reserves of XXXX month(s) - Due Diligence Vendor-05/06/2025 <br> Resolved-Updated XXXX received to include an additional XXXX account. System updated to include it. Audited Reserves of XXXX month(s) are greater than or equal to Guideline Required Reserves of XXXX month(s). - Due Diligence Vendor-05/06/2025 | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 4025196 | N/A | N/A |
| XXXX | 9128038 |  |  | Closed | 2025-05-05 18:33 | 2025-05-06 19:25 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared. - Due Diligence Vendor-05/06/2025 <br> Ready for Review-Document Uploaded. Cleared Alerts - Seller-05/06/2025 <br> Open-Fraud Report Shows Uncleared Alerts • The XXXX Alerts Summary document is missing. The Fraud Report in file shows High, Medium, and Low alerts. But with the missing document, unable to verify if any/all alerts were reviewed & cleared. - Due Diligence Vendor-05/05/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-05/06/2025<br>| Resolved-All Fraud Report Alerts have been cleared. - Due Diligence Vendor-05/06/2025<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 4046892 | N/A | N/A |
| XXXX | 9128038 |  |  | Closed | 2025-05-05 18:10 | 2025-05-06 19:24 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-The corrected 1008 document was provided. Issue resolved. - Due Diligence Vendor-05/06/2025 <br> Ready for Review-Document Uploaded. 1003 / 1008 - Seller-05/06/2025 <br> Open-Qualifying FICO on the XXXX Page is 'XXXX' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. • Per Guidelines: "Standard and Alt Documentation: The borrower with the higher monthly income is considered the primary borrower and their credit score can be used as the Decision Credit Score." The borrower with the highest monthly income is XXXX, therefore the FICO score for XXXX should be used. - Due Diligence Vendor-05/05/2025 | Ready for Review-Document Uploaded. XXXX - Seller-05/06/2025 | Resolved-The corrected XXXX document was provided. Issue resolved. - Due Diligence Vendor-05/06/2025 | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 4046441 | N/A | N/A |
| XXXX | 9128038 |  |  | Closed | 2025-05-05 18:20 | 2025-05-06 19:24 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-The corrected 1008 document was provided. Issue resolved. - Due Diligence Vendor-05/06/2025 <br> Ready for Review-Document Uploaded. XXXX - Seller-05/06/2025 <br> Open-The XXXX document is missing from the loan file. • On the XXXX provided, the PITIA listed $XXXX does not match that of the PCCD, Closing Worksheet, or the Lock Confirmation ($XXXX). The XXXX discloses $XXXX for property taxes, whereas other documentation shows $XXXX. - Due Diligence Vendor-05/05/2025 | Ready for Review-Document Uploaded. XXXX - Seller-05/06/2025 | Resolved-The corrected XXXX document was provided. Issue resolved. - Due Diligence Vendor-05/06/2025 | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 4046626 | N/A | N/A |
| XXXX | 9128038 |  |  | Closed | 2025-05-02 11:54 | 2025-05-06 10:55 | Resolved | 1 - Information C A | Property | Value | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Loan Collateral Advisor with CU score less than or equal to 2.5 provided, Verified & entered in system - Resolved<br> - Due Diligence Vendor-05/06/2025 <br> Ready for Review-Document Uploaded. Freddie XXXX - Seller-05/05/2025 <br> Open-• Secondary Valuation or Additional Valuation for securitization purposes is missing. File needs a XXXX or XXXX XXXXreport with a score less thanXXXX, or the file needs an Appraisal Desk Review. - Due Diligence Vendor-05/02/2025 | Ready for Review-Document Uploaded. Freddie SSR - Seller-05/05/2025<br>| Resolved-Loan Collateral Advisor with CU score less than or equal toXXXX provided, Verified & entered in system - Resolved<br> - Due Diligence Vendor-05/06/2025 | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 4025557 | N/A | N/A |
| XXXX | 9127762 |  |  | Closed | 2025-05-02 07:54 | 2025-05-12 15:16 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Validation Resolved - Due Diligence Vendor-05/12/2025 <br> Ready for Review-Document Uploaded. - Seller-05/09/2025 <br> Counter-Pg XXXX shows primary wage earner as XXXX. Mid score of XXXX was used. But primary wage earner mid score is the correct method. - Due Diligence Vendor-05/08/2025 <br> Ready for Review-Can you clarify which document is showing XXXX? - Seller-05/07/2025 <br> Open-Qualifying FICO on the XXXX Page is 'XXXX' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. As per the Guidelines considered primary wage earner mid score, but XXXX showing lowest mid score, hence there is difference in FICO, XXXX showing XXXX FICO score, whereas primary wage earner mid score showing XXXX FICO score. Provide updated XXXX and approval with XXXX score. - Due Diligence Vendor-05/02/2025 | Ready for Review-Document Uploaded. - Seller-05/09/2025 <br> Ready for Review-Can you clarify which document is showing XXXX? - Seller-05/07/2025 | Resolved-Validation Resolved - Due Diligence Vendor-05/12/2025<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 4024105 | N/A | N/A |
| XXXX | 9127762 |  |  | Closed | 2025-05-02 06:39 | 2025-05-09 10:39 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Final Title Policy uploaded, Title Coverage Amount of $XXXX is equal to Total Amount of Subject Lien(s), Verified & entered in system - Resolved<br> - Due Diligence Vendor-05/09/2025 <br> Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-05/09/2025 <br> Ready for Review-Document Uploaded. - Seller-05/08/2025 <br> Open-Title Coverage Amount of $XXXX is Less than Loan Amount Provide updated XXXX or supplemental XXXX Report for Coverage amount, as it is less the loan amount. - Due Diligence Vendor-05/02/2025 | Ready for Review-Document Uploaded. - Seller-05/08/2025<br>| Resolved-Final XXXX Policy uploaded, Title Coverage Amount of $XXXX is equal to Total Amount of Subject Lien(s), Verified & entered in system - Resolved<br> - Due Diligence Vendor-05/09/2025 <br> Resolved-XXXX Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-05/09/2025 | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 4023569 | N/A | N/A |
| XXXX | 9127762 |  |  | Closed | 2025-05-02 06:37 | 2025-05-08 12:07 | Resolved | 1 - Information B A | Credit | Title Review | Title Review shows outstanding delinquent taxes | Resolved-The XXXX and Settlement Statement both showed the taxes were paid off at closing for the seller, Verified - Resolved - Due Diligence Vendor-05/08/2025 <br> Ready for Review-Document Uploaded. The XXXX and Settlement Statement both showed the taxes were paid off at closing for the seller - Seller-05/07/2025 <br> Open-As per page#XXXX, we have delinquent taxes $XXXX, which we are unable to confirm, if the same is paid at the closing or not, please provide proof or documentation for taxes to show delinquent taxes paid. - Due Diligence Vendor-05/02/2025 | Ready for Review-Document Uploaded. The XXXX and Settlement Statement both showed the taxes were paid off at closing for the seller - Seller-05/07/2025 | Resolved-The XXXX and Settlement Statement both showed the taxes were paid off at closing for the seller, Verified - Resolved - Due Diligence Vendor-05/08/2025 | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 4023563 | N/A | N/A |
| XXXX | 9128019 |  |  | Closed | 2025-05-02 12:41 | 2025-05-07 12:34 | Resolved | 1 - Information C A | Credit | Credit | DTI discrepancy or failure. | Resolved-UPDATED XXXX dti is now in line - Due Diligence Vendor-05/07/2025 <br> Ready for Review-Document Uploaded. XXXX - Updated XXXX - Seller-05/06/2025 <br> Open-Audited DTI is XXXX and lender DTI is XXXX. the difference is XXXX.<br>This is because <br> (1) lender considered tax amount as $XXXX whereas per tax cert it is $XXXX monthly or $XXXX annually per page #XXXX. <br> (2) Lender considered HOA amount as $XXXX whereas per appraisal report it is $XXXX monthly or $XXXX annually. <br> (3) Lender did not consider rent loss amount of $XXXX for REO property per page # XXXX. - Due Diligence Vendor-05/02/2025 | Ready for Review-Document Uploaded. XXXX - Updated DTI - Seller-05/06/2025 | Resolved-UPDATED XXXX dti is now in line - Due Diligence Vendor-05/07/2025 | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 4025885 | N/A | N/A |
| XXXX | 9128019 |  |  | Closed | 2025-05-02 11:51 | 2025-05-07 12:26 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Evidence of Property Tax is present - Due Diligence Vendor-05/07/2025 <br> Ready for Review-Document Uploaded. Tax cert showing tax rate. This was used to calculate tax amount - Seller-05/06/2025 <br> Open-Missing Evidence of Property Tax tax amount per tax cert on page #XXXX is $XXXX annually or $XXXX monthly. However lender considered tax amount as $XXXX. Provide proof of documentation validating this $XXXX tax amount. - Due Diligence Vendor-05/02/2025 | Ready for Review-Document Uploaded. Tax cert showing tax rate. This was used to calculate tax amount - Seller-05/06/2025<br>| Resolved-Evidence of Property Tax is present - Due Diligence Vendor-05/07/2025<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 4025536 | N/A | N/A |
| XXXX | 9128019 |  |  | Closed | 2025-05-02 12:30 | 2025-05-07 11:36 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-05/07/2025 <br>Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-05/07/2025 <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-05/06/2025 <br>Open-Missing Third Party Fraud Report Provide fraud report as it is missing from file. - Due Diligence Vendor-05/02/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-05/06/2025<br>| Resolved-Third Party Fraud Report uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-05/07/2025 <br>Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-05/07/2025<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 4025809 | N/A | N/A |
| XXXX | 9128019 |  |  | Closed | 2025-05-02 12:07 | 2025-05-07 11:32 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 XXXX Credit uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-05/07/2025 <br> Resolved-Borrower 1 XXXX Credit Report is not missing. - Due Diligence Vendor-05/07/2025 <br> Ready for Review-Document Uploaded. XXXX Credit - Seller-05/06/2025 <br> Open-Borrower 1 XXXX Credit Report is Missing Provide XXXX credit report as it is missing from file. - Due Diligence Vendor-05/02/2025 | Ready for Review-Document Uploaded. Gap Credit - Seller-05/06/2025<br>| Resolved-Borrower 1 Gap Credit uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-05/07/2025 <br>Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-05/07/2025<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 4025644 | N/A | N/A |
| XXXX | 9128019 |  |  | Closed | 2025-05-02 12:28 | 2025-05-07 11:23 | Resolved | 1 - Information C A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-Updated Final 1003 with Asset XXXX checking #XXXX removed uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-05/07/2025 <br> Ready for Review-Document Uploaded. Updated 1003 – Removing XXXX - Seller-05/06/2025 <br> Open-Asset Record 1 Does Not Meet G/L Requirements Provide proof of documentation for XXXX checking XXXX for the amount of $XXXX as it is missing from file. - Due Diligence Vendor-05/02/2025 | Ready for Review-Document Uploaded. Updated 1003 – Removing XXXX - Seller-05/06/2025 | Resolved-Updated Final 1003 with Asset BOFA checking #XXXX removed uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-05/07/2025 | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 4025795 | N/A | N/A |
| XXXX | 9128040 |  |  | Closed | 2025-05-04 18:13 | 2025-05-07 10:56 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-05/07/2025 <br> Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-05/07/2025 <br> Ready for Review-Document Uploaded. Cleared Alerts - Seller-05/06/2025 <br> Open-Fraud Report Shows Uncleared Alerts Provide updated fraud report with all cleared alerts as the one on file shows uncleared alerts. - Due Diligence Vendor-05/04/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-05/06/2025<br>| Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-05/07/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-05/07/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 4038621 | N/A | N/A |
| XXXX | 9128040 |  |  | Closed | 2025-05-04 18:07 | 2025-05-06 10:59 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Loan Collateral Advisor with CU score less than XXXX provided, Verified & entered in system - Resolved<br> - Due Diligence Vendor-05/06/2025 <br> Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-05/06/2025 <br> Ready for Review-Document Uploaded. Freddie SSR - Seller-05/05/2025 <br> Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than XXXX Provide Secondary Valuation or Additional Valuation as it is missing from file. - Due Diligence Vendor-05/04/2025 | Ready for Review-Document Uploaded. XXXX - Seller-05/05/2025 | Resolved-Loan Collateral Advisor with CU score less than XXXX provided, Verified & entered in system - Resolved<br> - Due Diligence Vendor-05/06/2025 <br> Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-05/06/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 4038601 | N/A | N/A |
| XXXX | 9127784 |  |  | Closed | 2025-05-06 11:11 | 2025-06-09 14:11 | Resolved | 1 - Information C A | Compliance | Tolerance:FinanceCharge | Federal - Finance Charge Disclosure Tolerance (Closed End) | Resolved-Resolved - Due Diligence Vendor-06/09/2025 <br> Ready for Review-Document Uploaded. - Seller-06/06/2025 <br> Open-The disclosed finance charge ($XXXX) is ($XXXX) below the actual finance charge($XXXX). The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $XXXX below the actual finance charge. (XXXX; XXXX) Considered fees as per specified drop down by section wise still finding shows $XXXX difference.<br> - Due Diligence Vendor-05/06/2025 | Ready for Review-Document Uploaded. - Seller-06/06/2025<br>| Resolved-Resolved - Due Diligence Vendor-06/09/2025<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 4053481 | N/A | N/A |
| XXXX | 9128045 |  |  | Closed | 2025-05-07 08:21 | 2025-05-13 12:01 | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-As per Property Report, property is Free & Clear. Housing History Meets Guideline Requirements - Due Diligence Vendor-05/13/2025 <br> Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-05/13/2025 <br> Ready for Review-Document Uploaded. VOM - Seller-05/12/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Provide proof of XXXX months payment history for current address as it is not in file. - Due Diligence Vendor-05/07/2025 | Ready for Review-Document Uploaded. VOM - Seller-05/12/2025 | Resolved-As per Property Report, property is Free & Clear. Housing History Meets Guideline Requirements - Due Diligence Vendor-05/13/2025 <br>Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-05/13/2025<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 4065821 | N/A | N/A |
| XXXX | 9128045 |  |  | Closed | 2025-05-07 09:10 | 2025-05-13 10:34 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report provided. All Fraud Report Alerts have been cleared. - Due Diligence Vendor-05/13/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-05/13/2025 <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-05/12/2025 <br>Open-Fraud Report Shows Uncleared Alerts Provide fraud report with all cleared alerts as the one on file shows uncleared alerts. - Due Diligence Vendor-05/07/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-05/12/2025<br>| Resolved-Updated Fraud Report provided. All Fraud Report Alerts have been cleared. - Due Diligence Vendor-05/13/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-05/13/2025<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 4065946 | N/A | N/A |
| XXXX | 9128053 |  |  | Closed | 2025-05-08 04:03 | 2025-05-16 13:04 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-The Final 1003 is Present - Due Diligence Vendor-05/16/2025 <br>Ready for Review-Document Uploaded. Final 1003 signed by both borrowers - Seller-05/15/2025 <br>Open-The Final 1003 is Missing Provide final 1003 for B1 and B2 as its missing in file. - Due Diligence Vendor-05/08/2025 | Ready for Review-Document Uploaded. Final 1003 signed by both borrowers - Seller-05/15/2025<br>| Resolved-The Final 1003 is Present - Due Diligence Vendor-05/16/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 4077541 | N/A | N/A |
| XXXX | 9128053 |  |  | Closed | 2025-05-08 04:33 | 2025-05-15 11:59 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Evidence of Property Tax is present - Due Diligence Vendor-05/15/2025 <br>Ready for Review-Document Uploaded. 1008 updated to have taxes match prelim and settlement statement - Seller-05/14/2025 <br>Open-Missing Evidence of Property Tax Provide Tax document as its missing in file. - Due Diligence Vendor-05/08/2025 | Ready for Review-Document Uploaded. 1008 updated to have taxes match prelim and settlement statement - Seller-05/14/2025<br>| Resolved-Evidence of Property Tax is present - Due Diligence Vendor-05/15/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 4077625 | N/A | N/A |
| XXXX | 9128053 |  |  | Closed | 2025-05-08 04:08 | 2025-05-15 11:55 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-05/15/2025 <br>Ready for Review-Document Uploaded. 1008 - Seller-05/13/2025 <br>Open-The 1008 document is missing from the loan file. Provide 1008 document as its missing in file. - Due Diligence Vendor-05/08/2025 | Ready for Review-Document Uploaded. 1008 - Seller-05/13/2025<br>| Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-05/15/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 4077548 | N/A | N/A |
| XXXX | 9128053 |  |  | Closed | 2025-05-08 04:57 | 2025-05-14 08:39 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Borrower 2 Gap Credit Report uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-05/14/2025 <br> Ready for Review-Document Uploaded. Gap Credit - Seller-05/13/2025 <br> Open-Borrower 2 Gap Credit Report is Missing Provide Borrower 2 Gap Credit Report as its missing in file - Due Diligence Vendor-05/08/2025 | Ready for Review-Document Uploaded. Gap Credit - Seller-05/13/2025 | Resolved-XXXX Gap Credit Report uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-05/14/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 4077660 | N/A | N/A |
| XXXX | 9128053 |  |  | Closed | 2025-05-08 04:57 | 2025-05-14 08:37 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-05/14/2025 <br>Ready for Review-Document Uploaded. Gap Credit - Seller-05/13/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Provide Borrower 1 Gap Credit Report as its missing in file - Due Diligence Vendor-05/08/2025 | Ready for Review-Document Uploaded. Gap Credit - Seller-05/13/2025<br>| Resolved-XXXX Gap Credit Report uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-05/14/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 4077659 | N/A | N/A |
| XXXX | 9128005 |  |  | Closed | 2025-05-16 15:43 | 2025-05-21 15:26 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared. - Due Diligence Vendor-05/21/2025 <br> Ready for Review-Document Uploaded. Cleared Alerts - Seller-05/19/2025 <br> Open-Fraud Report Shows Uncleared Alerts • XXXX Connect Alerts Summary document shows a total of XXXX High alerts, only XXXX of which were cleared. Please provide the documentation that shows all alerts were reviewed & cleared. - Due Diligence Vendor-05/16/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-05/19/2025<br>| Resolved-All Fraud Report Alerts have been cleared. - Due Diligence Vendor-05/21/2025 | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 4164467 | N/A | N/A |
| XXXX | 9128005 |  |  | Closed | 2025-05-08 10:19 | 2025-05-16 15:38 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-05/13/2025 <br> Ready for Review-Document Uploaded. Updated Title for correct loan amount - Seller-05/12/2025 <br> Open-Title Coverage Amount of $XXXX is Less than Loan Amount Provide updated title as the loan amount is less than actual loan amount in title page XXXX - Due Diligence Vendor-05/08/2025 | Ready for Review-Document Uploaded. Updated Title for correct loan amount - Seller-05/12/2025<br>| Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-05/13/2025 | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 4078934 | N/A | N/A |
| XXXX | 9128005 |  |  | Closed | 2025-05-08 11:40 | 2025-05-16 15:33 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Updated 1008 Document uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-05/14/2025 <br> Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-05/14/2025 <br> Ready for Review-Document Uploaded. 1008 - Seller-05/13/2025 <br> Open-The 1008 document is missing from the loan file. Provide updated 1008 with correct sales price as per final cd page XXXX , PCCD page XXXX and purchase addendum page XXXX sales price is $XXXX whereas as per 1008-page XXXX sales price is $XXXX. - Due Diligence Vendor-05/08/2025 | Ready for Review-Document Uploaded. 1008 - Seller-05/13/2025 | Resolved-Updated 1008 Document uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-05/14/2025 <br>Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-05/14/2025<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 4079326 | N/A | N/A |
| XXXX | 9128005 |  |  | Closed | 2025-05-09 18:02 | 2025-05-15 15:33 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Resolved - Due Diligence Vendor-05/15/2025 <br> Ready for Review-Document Uploaded. COC showing that value, sales price, and value change which cause an increase in discount points - Seller-05/14/2025 <br> Counter-COC addresses change in property type, value and change in loan amount. It does not address increase percentage from XXXX % to XXXX% in Points paid. - Due Diligence Vendor-05/14/2025 <br> Ready for Review-Document Uploaded. COC/LE XXXX change in LA - Seller-05/12/2025 <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XXXX; XXXX; XXXX). - Due Diligence Vendor-05/09/2025 | Ready for Review-Document Uploaded. COC showing that value, sales price, and value change which cause an increase in discount points - Seller-05/14/2025 <br> Ready for Review-Document Uploaded. XXXX change in XXXX - Seller-05/12/2025 | Resolved-Resolved - Due Diligence Vendor-05/15/2025<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 4098001 | N/A | N/A |
| XXXX | 9128005 |  |  | Closed | 2025-05-09 17:09 | 2025-05-14 14:41 | Resolved | 1 - Information C A | Credit | Credit | Assets not properly documented/insufficient | Resolved-Proof of wire receipt provided. Resolved. - Due Diligence Vendor-05/14/2025 <br> Ready for Review-Document Uploaded. Gift Documentation - Seller-05/13/2025 <br> Open-evidence gift funds received $XXXX - Due Diligence Vendor-05/09/2025 | Ready for Review-Document Uploaded. Gift Documentation - Seller-05/13/2025<br>| Resolved-Proof of wire receipt provided. Resolved. - Due Diligence Vendor-05/14/2025 | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 4097093 | N/A | N/A |
| XXXX | 9128024 |  |  | Closed | 2025-05-09 10:44 | 2025-05-15 11:44 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud shows All Fraud Report Alerts have been cleared.<br> - Due Diligence Vendor-05/15/2025 <br> Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-05/15/2025 <br> Ready for Review-Document Uploaded. Cleared Alerts - Seller-05/14/2025 <br> Open-Fraud Report Shows Uncleared Alerts Provide updated fraud report with all cleared alerts as the one on file shows uncleared alerts. - Due Diligence Vendor-05/09/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-05/14/2025<br>| Resolved-Updated Fraud shows All Fraud Report Alerts have been cleared.<br> - Due Diligence Vendor-05/15/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-05/15/2025<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 4091413 | N/A | N/A |
| XXXX | 9128024 |  |  | Closed | 2025-05-09 09:45 | 2025-05-15 11:43 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 W2/1099 Missing | Resolved-Updated 1003 provided showing current employment start date as XXXX .Previous employment W2's in file. Finding resolved. - Due Diligence Vendor-05/15/2025 <br> Resolved-XXXX XXXX Provided - Due Diligence Vendor-05/15/2025 <br> Ready for Review-Document Uploaded. 1003 updated for employment - Seller-05/14/2025 <br> Open-XXXX XXXX Missing Provide W2 for current employer, XXXX for previous year income as it is not in file. - Due Diligence Vendor-05/09/2025 | Ready for Review-Document Uploaded. 1003 updated for employment - Seller-05/14/2025 | Resolved-Updated 1003 provided showing current employment start date as XXXX.Previous employment XXXX 's in file. Finding resolved. - Due Diligence Vendor-05/15/2025 <br> Resolved-XXXX XXXX Provided - Due Diligence Vendor-05/15/2025 | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 4091097 | N/A | N/A |
| XXXX | 9128015 |  |  | Closed | 2025-05-09 07:56 | 2025-05-21 12:22 | Waived | 2 - Non-Material C B | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Waived-Received exception greater than XXXX and cash out greater than XXXX. - Due Diligence Vendor-05/21/2025 <br> Ready for Review-Document Uploaded. Exception Approval - Seller-05/20/2025 <br> Open-Cash Out is not completed according to the guideline requirements File LTV is XXXX %, Per Matrix Max Cash out amount is $XXXX for LTV >XXXX %, File Cash amount is $XXXX - Due Diligence Vendor-05/09/2025 | Ready for Review-Document Uploaded. Exception Approval - Seller-05/20/2025<br>| Waived-Received exception greater than XXXX LTV and cash out greater than XXXX. - Due Diligence Vendor-05/21/2025 | XXXX |  | 1. DTI is at 24.66 and max can be at 45% <br> 2. Borrower has a credit score of 804 and max is 740 <br> 3. Borrower has a residual income of 82,305.66 and all that is required is 3.000 | XXXX | Primary Residence | Refinance | Cash Out - Other | 4090728 | Originator Pre-Close | Yes |
| XXXX | 9128015 |  |  | Closed | 2025-05-09 07:10 | 2025-05-14 08:22 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-05/14/2025 <br> Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-05/14/2025 <br> Ready for Review-Document Uploaded. Cleared Alerts - Seller-05/13/2025 <br> Open-Fraud Report Shows Uncleared Alerts on High category - Due Diligence Vendor-05/09/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-05/13/2025<br>| Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-05/14/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-05/14/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 4090408 | N/A | N/A |
| XXXX | 9128015 |  |  | Closed | 2025-05-09 06:15 | 2025-05-13 10:40 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-05/13/2025 <br> Ready for Review-Document Uploaded. Title Supp for correct loan amount - Seller-05/13/2025 <br> Open-Title Coverage Amount of $XXXX is Less than Loan Amount Most recent report is XXXX and Title Coverage Amount of $XXXX is Less than Loan Amount $XXXX - Due Diligence Vendor-05/09/2025 | Ready for Review-Document Uploaded. Title Supp for correct loan amount - Seller-05/13/2025<br>| Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-05/13/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 4090223 | N/A | N/A |
| XXXX | 9127910 |  |  | Closed | 2025-05-09 12:10 | 2025-05-16 05:45 | Resolved | 1 - Information D A | Property | Missing Doc | Missing Updated Completion Report (442/10040) | Resolved-Updated Completion Report uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-05/16/2025 <br> Ready for Review-Document Uploaded. - Seller-05/15/2025 <br> Open-Provide Completion report XXXX missing in file - Due Diligence Vendor-05/09/2025 | Ready for Review-Document Uploaded. - Seller-05/15/2025<br>| Resolved-Updated Completion Report uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-05/16/2025<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 4092042 | N/A | N/A |
| XXXX | 9127910 |  |  | Closed | 2025-05-09 13:20 | 2025-05-14 09:09 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Updated 1008 Document uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-05/14/2025 <br> Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-05/14/2025 <br> Ready for Review-Document Uploaded. - Seller-05/13/2025 <br> Open-The 1008 document is missing from the loan file. 1008 total income is $XXXX whereas final 1003 and calculated income is $XXXX (Wage $XXXX+$XXXX Asset utilization). 1008 also has discrepancies for the proposed mortgage payment and DTI.<br>Provide updated 1008 with revised DTI, income and mortgage payment. - Due Diligence Vendor-05/09/2025 | Ready for Review-Document Uploaded. - Seller-05/13/2025<br>| Resolved-Updated 1008 Document uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-05/14/2025 <br> Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-05/14/2025 | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 4092783 | N/A | N/A |
| XXXX | 9128000 |  |  | Closed | 2025-05-13 14:00 | 2025-05-15 11:45 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared. - Due Diligence Vendor-05/15/2025 <br> Ready for Review-Document Uploaded. Cleared Alerts - Seller-05/14/2025 <br> Open-Fraud Report Shows Uncleared Alerts • XXXX Alerts Summary document is missing. The Fraud Report in file shows High and Low alerts. But with the missing document, unable to verify if any/all alerts were reviewed & cleared. - Due Diligence Vendor-05/13/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-05/14/2025<br>| Resolved-All Fraud Report Alerts have been cleared. - Due Diligence Vendor-05/15/2025<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 4125950 | N/A | N/A |
| XXXX | 9128012 |  |  | Closed | 2025-05-13 19:38 | 2025-05-16 13:16 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing income documentation | Resolved-Split XXXX between both borrowers. - Due Diligence Vendor-05/16/2025 <br> Ready for Review-Document Uploaded. UW Response: The income worksheet is done for the company has a whole. Borrowers are XXXX/XXXX owners so income is split evenly on 1003/1008. This should be okay - Seller-05/15/2025 <br> Open-Worksheet shows only for one borrower at XXXX % but 1008 and 1003 shows XXXX% for each borrower will need additional for th co borrower based on 1003 and 1008 as well as it shows her as registered agent. - Due Diligence Vendor-05/13/2025 | Ready for Review-Document Uploaded. UW Response: The income worksheet is done for the company has a whole. Borrowers are XXXX owners so income is split evenly on XXXX /XXXX . This should be okay - Seller-05/15/2025 | Resolved-Split XXXX between both borrowers. - Due Diligence Vendor-05/16/2025 | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 4131472 | N/A | N/A |
| XXXX | 9128012 |  |  | Closed | 2025-05-11 04:08 | 2025-05-15 11:22 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud shows All Fraud Report Alerts have been cleared. - Due Diligence Vendor-05/15/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-05/15/2025 <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-05/14/2025 <br>Open-Fraud Report Shows Uncleared Alerts Provide updated fraud report with all cleared alerts as the one on file shows uncleared alerts. - Due Diligence Vendor-05/11/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-05/14/2025<br>| Resolved-Updated Fraud shows All Fraud Report Alerts have been cleared. - Due Diligence Vendor-05/15/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-05/15/2025<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 4106928 | N/A | N/A |
| XXXX | 9127726 |  |  | Closed | 2025-05-12 13:48 | 2025-06-06 15:45 | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-06/06/2025 <br> Resolved-Reviewed with management stating to clear as mtg statements show no late history. - Due Diligence Vendor-06/05/2025 <br> Counter-VOM provided indicates XXXX months of housing history and 1003 states borrowers previously rented for XXXX years. Requesting XXXX prior rental history for the borrowers' prior residence before the acquisition of the subject to satisfy the XXXX month housing history requirement per the GL or provide an exception with compensating factors for review. - Due Diligence Vendor-06/05/2025 <br> Counter-VOM provided indicates XXXX months of housing history and 1003 states borrowers previously rented for XXXX years. Requesting XXXX prior rental history for the borrowers' prior residence before the acquisition of the subject to satisfy the XXXX month housing history requirement per the GL or provide an exception with compensating factors for review. - Due Diligence Vendor-06/05/2025 <br> Ready for Review-Document Uploaded. Months reviewed for credit reports does not equal payments. This references XXXX payments. With each payment the balance is reduced. <br> - Seller-06/03/2025 <br> Counter-The GL states XXXX months of verified housing history including payment history is required. The documentation provided verifies XXXX months paid thru XXXX on the credit report (also identified on the XXXX mortgage statement-XXXX payment made on XXXX) and the XXXX mortgage payment was paid on the XXXX per the XXXX mortgage statement. The payoff letter dated XXXX indicates the mortgage paid through date is XXXX which totals XXXX months of verified housing payment history. - Due Diligence Vendor-05/21/2025 <br> Ready for Review-The GL states XXXX months of verified housing history including payment history is required. The documentation provided verifies XXXX months paid thru XXXX on the credit report (also identified on the XXXX mortgage statement-XXXX payment made on XXXX) and the XXXX mortgage payment was paid on the XXXX per the XXXX mortgage statement. The payoff letter dated XXXX indicates the mortgage paid through date is XXXX which totals XXXX months of verified housing payment history. - Due Diligence Vendor-05/21/2025 <br> Ready for Review-Document Uploaded. Hi, guidelines from XXXX require housing history for the most recent XXXX months. The borrower lived in the subject property XXXX months ago. <br> The previous rental was more than XXXX months ago and therefore a VOR on the previous residence would not be required. <br> Documentation providing XXXX months residence and payment history was sent on XXXX for this condition(I'm attaching it again) and also a snip it of the guidelines.<br> - Seller-05/19/2025 <br> Counter-Housing History provided for subject only covers XXXX months and no housing history for prior rental. - Due Diligence Vendor-05/19/2025 <br> Ready for Review-Document Uploaded. Hi, please see UW Notes on VOM - Seller-05/15/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Provide XXXX month housing history per GL. Credit report indicates XXXX months, mortgage statement shows XXXX paid, but does not provide a rating and lease in file does not provide a payment history. - Due Diligence Vendor-05/12/2025 | Ready for Review-Document Uploaded. Months reviewed for credit reports does not equal payments. This references XXXX payments. With each payment the balance is reduced. <br> - Seller-06/03/2025 <br> Ready for Review-Document Uploaded. Hi, guidelines from XXXX require housing history for the most recent XXXX months. The borrower lived in the subject property XXXX months ago. <br> The previous rental was more than XXXX months ago and therefore a VOR on the previous residence would not be required. <br> Documentation providing XXXX months residence and payment history was sent on XXXX for this condition(I'm attaching it again) and also a snip it of the guidelines.<br> - Seller-05/19/2025 <br> Ready for Review-Document Uploaded. Hi, please see UW Notes on VOM - Seller-05/15/2025 | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-06/06/2025 <br> Resolved-Reviewed with management stating to clear as mtg statements show no late history. - Due Diligence Vendor-06/05/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 4111996 | N/A | N/A |
| XXXX | 9127726 |  |  | Closed | 2025-05-12 13:17 | 2025-05-14 15:57 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | XXXX - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | Resolved-Under the Regulations adopted by the XXXX Commissioner of Financial Regulation, as applicable to Mortgage Lenders, this is a Higher-Priced Mortgage. The loan's APR of (XXXX%) equals or exceeds the XXXX Higher-Priced Mortgage threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%). (XXXX; XXXX) This loan failed the higher-priced mortgage loan test. (XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXX. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'sXXXX, XXXX and the Final Closing disclosure on Pg#'XXXX , Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXXX . An interior and exterior appraisal was completed for this property – see pg# XXXX , the appraisal disclosure was provided to the borrower(s)- see Pg#'sXXXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXXX . The loan meets HPML guidelines, resolved. - Due Diligence Vendor-05/12/2025 |  | Resolved-Under the Regulations adopted by the XXXX Commissioner of Financial Regulation, as applicable to Mortgage Lenders, this is a Higher-Priced Mortgage. The loan's APR of (XXXX %) equals or exceeds the XXXX Higher-Priced Mortgage threshold of (XXXX %). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX %). (XXXX); XXXX) This loan failed the higher-priced mortgage loan test. (XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXX . While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX , some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXXX , XXXX and the Final Closing disclosure on Pg#'s XXXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXXX . An interior and exterior appraisal was completed for this property – see pg# XXXX , the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXXX , and confirmation the appraisal was delivered to the borrower – see Pg#'s XXXX . The loan meets XXXX guidelines, resolved. - Due Diligence Vendor-05/12/2025 |  |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 4111500 | N/A | N/A |
| XXXX | 9127726 |  |  | Closed | 2025-05-12 13:17 | 2025-05-14 15:57 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX) This loan failed the higher-priced mortgage loan test. (XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXX . While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX , some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXXX , XXXX and the Final Closing disclosure on Pg#'s XXXX , Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXXX . An interior and exterior appraisal was completed for this property – see pg# XXXX , the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXXX . The loan meets HPML guidelines, resolved. - Due Diligence Vendor-05/12/2025 |  | Resolved-The loan's (XXXX %) APR equals or exceeds the Federal XXXX threshold of (XXXX %). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX) This loan failed the higher-priced mortgage loan test. (XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXX . While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX , some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXXX , XXXX and the Final Closing disclosure on Pg#'s XXXX , Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXXX . An interior and exterior appraisal was completed for this property – see pg# XXXX , the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXXX , and confirmation the appraisal was delivered to the borrower – see Pg#'s XXXX . The loan meets XXXX guidelines, resolved. - Due Diligence Vendor-05/12/2025 |  |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 4111501 | N/A | N/A |
| XXXX | 9128006 |  |  | Closed | 2025-05-14 10:55 | 2025-05-19 16:45 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared. - Due Diligence Vendor-05/19/2025 <br> Ready for Review-Document Uploaded. Cleared Alerts - Seller-05/19/2025 <br> Open-Fraud Report Shows Uncleared Alerts • XXXX Alerts Summary document shows a total of XXXX Medium alerts, none of which were cleared; and XXXX Low Alerts, only XXXX of which was cleared. Please provide the documentation that shows all alerts were reviewed & cleared. - Due Diligence Vendor-05/14/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-05/19/2025<br>| Resolved-All Fraud Report Alerts have been cleared. - Due Diligence Vendor-05/19/2025<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 4135903 | N/A | N/A |
| XXXX | 9162871 |  |  | Closed | 2025-05-16 17:52 | 2025-05-19 13:12 | Waived | 2 - Non-Material C B | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Waived-Exception to use Asset Depletion with assets amortized over XXXX months vs guideline XXXX months provided. - Due Diligence Vendor-05/19/2025 <br> Ready for Review-Document Uploaded. Please see attached - Buyer- XXXX <br> Open-Income and Employment Do Not Meet Guidelines Asset Depletion Worksheet reflects Assets divided by XXXX months. Per Guidelines, Assets should be divided by XXXX months. - Due Diligence Vendor-05/16/2025 |  | Waived-Exception to use Asset Depletion with assets amortized over XXXX months vs guideline XXXX months provided. - Due Diligence Vendor-05/19/2025 | XXXX |  | 786 FICO . required 760<br> Reserves of 200+ months exceeds required 12 months. | XXXX | Primary Residence | Refinance | Cash Out - Other | 4166334 | Originator Pre-Close | Yes |
| XXXX | 9128007 |  |  | Closed | 2025-05-16 20:12 | 2025-05-21 12:37 | Resolved | 1 - Information B A | Credit | Credit Worthiness | Mortgage history for primary residence less than 12 months | Resolved-Updated credit page meets guidelines - Due Diligence Vendor-05/21/2025 <br> Ready for Review-Document Uploaded. VOM - Seller-05/20/2025 <br> XXXX XXXX month primary history required Need confirmation that prior primary loan was with XXXX. Property report is not included for that property. - Due Diligence Vendor-05/16/2025 | Ready for Review-Document Uploaded. VOM - Seller-05/20/2025<br>| Resolved-Updated credit page meets guidelines - Due Diligence Vendor-05/21/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 4168589 | N/A | N/A |
| XXXX | 9128007 |  |  | Closed | 2025-05-15 14:04 | 2025-05-21 12:33 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Fees: Limited | Resolved-Resolved - Due Diligence Vendor-05/21/2025 <br> Ready for Review-Document Uploaded. COC - Seller-05/20/2025 <br> Open-The total amount of the XXXX % category fees ($XXXX) has increased by more than XXXX % over the current baseline value of ($XXXX). The total amount of fees in the XXXX % category cannot exceed ($XXXX). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Recording Fees – Mortgage/Deed of Trust). Any increase to an existing fee and/or the addition of a new fee that causes the XXXX % category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (XXXX; XXXX). Provide COC for Increase in Recording Fees from revised CD $XXXX dated XXXX to Final CD $XXXX . - Due Diligence Vendor-05/15/2025 | Ready for Review-Document Uploaded. COC - Seller-05/20/2025<br>| Resolved-Resolved - Due Diligence Vendor-05/21/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 4149465 | N/A | N/A |
| XXXX | 9128007 |  |  | Closed | 2025-05-15 13:27 | 2025-05-21 10:05 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Provided fraud reports shows All Fraud Report Alerts have been cleared - Due Diligence Vendor-05/21/2025 <br> Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-05/21/2025 <br> Ready for Review-Document Uploaded. Cleared Alerts - Seller-05/20/2025 <br> Open-Fraud Report Shows Uncleared Alerts Provide updated Fraud report. Fraud report reflecting uncleared alerts. - Due Diligence Vendor-05/15/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-05/20/2025<br>| Resolved-Provided fraud reports shows All Fraud Report Alerts have been cleared - Due Diligence Vendor-05/21/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-05/21/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 4149035 | N/A | N/A |
| XXXX | 9128007 |  |  | Closed | 2025-05-15 13:11 | 2025-05-21 10:03 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-XXXX latest Gap Credit Report provided. - Due Diligence Vendor-05/21/2025 <br> Resolved - XXXX Gap Credit Report is not expired. - Due Diligence Vendor-05/21/2025 <br> Ready for Review-Document Uploaded. Gap Credit - Seller-05/20/2025 <br> Open-XXXX Gap Credit Report is Expired (Greater than XXXX days from Closing/Settlement Date). Provide XXXX Gap Credit Report. XXXX Gap Credit Report is Expired. - Due Diligence Vendor-05/15/2025 | Ready for Review-Document Uploaded. Gap Credit - Seller-05/20/2025<br>| Resolved-XXXX latest Gap Credit Report provided. - Due Diligence Vendor-05/21/2025 <br> Resolved-XXXX Gap Credit Report is not expired. - Due Diligence Vendor-05/21/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 4148859 | N/A | N/A |
| XXXX | 9128058 |  |  | Closed | 2025-05-20 05:04 | 2025-05-22 10:19 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br>- Due Diligence Vendor-05/22/2025 <br> Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-05/22/2025 <br> Ready for Review-Document Uploaded. Cleared Alerts - Seller-05/21/2025 <br> Open-Fraud Report Shows Uncleared Alerts - Due Diligence Vendor-05/20/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-05/21/2025<br>| Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br>- Due Diligence Vendor-05/22/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-05/22/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 4187550 | N/A | N/A |
| XXXX | 9128058 |  |  | Closed | 2025-05-20 04:56 | 2025-05-21 10:09 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-XXXX with acceptable score provided. - Due Diligence Vendor-05/21/2025 <br> Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-05/21/2025 <br> Ready for Review-Document Uploaded. XXXX - Seller-05/20/2025 <br> Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than XXXX Provide Secondary Valuation or Additional Valuation as it is missing from file. - Due Diligence Vendor-05/20/2025 | Ready for Review-Document Uploaded. XXXX - Seller-05/20/2025 | Resolved-XXXX with acceptable score provided. - Due Diligence Vendor-05/21/2025 <br> Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-05/21/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 4187531 | N/A | N/A |
| XXXX | 9127862 |  |  | Closed | 2025-06-02 12:58 | 2025-06-16 20:01 | Resolved | 1 - Information D A | Compliance | Missing Doc | XXXX Title Endorsements (T-2, T-19, T-17, T-42, T-42.1) Missing | Resolved-As per management - Document Uploaded. This is a PUD. We have PUD Rider. We don't have a drop down for XXXX so we always use Endorsement for the XXXX . The charge for the XXXX is $XXXX by the title company. Look at the XXXX endorsement on the XXXX it does show XXXX of $XXXX . t we don't have a drop down for the XXXX and we use Endorsement in lieu of it. - Due Diligence Vendor-06/16/2025 <br> Resolved-As per management - Document Uploaded. This is a PUD. We have PUD Rider. We don't have a drop down for XXXX so we always use Endorsement for the XXXX . The charge for the XXXX is $XXXX by the title company. Look at the XXXX endorsement on the XXXX it does show XXXX of $XXXX . t we don't have a drop down for the XXXX and we use Endorsement in lieu of it. - Due Diligence Vendor-06/16/2025 <br> Ready for Review-Document Uploaded. This is a PUD. We have PUD Rider. We don't have a drop down for XXXX so we always use Endorsement for the XXXX . The charge for the XXXX is $XXXX by the title company. Look at the XXXX endorsement on the XXXX it does show XXXX of $XXXX . t we don't have a drop down for the XXXX and we use Endorsement in lieu of it. - Due Diligence Vendor-06/16/2025 <br> Counter-On a XXXX XXXX , a XXXX disclosure is required document if property is in a PUD. - Due Diligence Vendor-06/13/2025 <br> Counter-Requesting to provide XXXX Title Endorsement, as it is missing in file. XXXX is required of property is in a PUD. - Due Diligence Vendor-06/10/2025 <br> Ready for Review-The XXXX is he Endorsement fee of $XXXX . - Seller-06/05/2025 <br> Open-Provide XXXX , as it is missing in file. XXXX is required of property is in a PUD. - Due Diligence Vendor-06/02/2025 | Ready for Review-The XXXX is he Endorsement fee of $XXXX . - Seller-06/05/2025 | Resolved-As per management - Document Uploaded. This is a PUD. We have PUD Rider. We don't have a drop down for XXXX so we always use Endorsement for the XXXX. The charge for the XXXX is $XXXX by the title company. Look at the XXXX endorsement on the XXXX it does show XXXX of $XXXX . t we don't have a drop down for the XXXX and we use Endorsement in lieu of it. - Due Diligence Vendor-06/16/2025 <br> Resolved-As per management - Document Uploaded. This is a PUD. We have PUD Rider. We don't have a drop down for XXXX so we always use Endorsement for the XXXX . The charge for the XXXX is $XXXX by the title company. Look at the XXXX endorsement on the XXXX it does show XXXX of $XXXX . t we don't have a drop down for the XXXX and we use Endorsement in lieu of it. - Due Diligence Vendor-06/16/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 4296798 | N/A | N/A |
| XXXX | 9127862 |  |  | Closed | 2025-06-02 12:56 | 2025-06-16 20:00 | Resolved | 1 - Information D A | Compliance | Missing Doc | Premium Pricing Disclosure T64 Form is Missing | Resolved-Form XXXX uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-06/09/2025 <br> Resolved-Validation resolved. - Due Diligence Vendor-06/09/2025 <br> Ready for Review-Document Uploaded. Please see attached XXXX - Seller-06/05/2025 <br> Open-Premium Pricing Disclosure XXXX Form is Missing Provide XXXX Form, as it is missing in file. - Due Diligence Vendor-06/02/2025 | Ready for Review-Document Uploaded. Please see attached XXXX - Seller-06/05/2025 | Resolved-Form XXXX uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-06/09/2025 <br> Resolved-Validation resolved. - Due Diligence Vendor-06/09/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 4296778 | N/A | N/A |
| XXXX | 9127989 |  |  | Closed | 2025-06-04 05:32 | 2025-06-09 17:30 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing PCCD. | Resolved-PCCD received. Mavent successfully run - Due Diligence Vendor-06/09/2025 <br> Ready for Review-Document Uploaded. - Seller-06/05/2025 <br> Open-As per gift letters and wire transfers, the Gift Funds for $XXXX are not listed on the Final Closing Disclosure. Requesting updated PCCD with gift amount. - Due Diligence Vendor-06/04/2025 | Ready for Review-Document Uploaded. - Seller-06/05/2025<br>| Resolved-PCCD received. Mavent successfully run - Due Diligence Vendor-06/09/2025<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 4327190 | N/A | N/A |
| XXXX | 9127989 |  |  | Closed | 2025-06-04 05:28 | 2025-06-09 17:30 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | XXXX - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | Resolved-Resolved. Opened with PC Mavent run - Due Diligence Vendor-06/09/2025 <br> Resolved-This is a XXXX Higher-Priced Mortgage Loan (XXXX). The loan's APR of (XXXX %) equals or exceeds the XXXX threshold of (XXXX %). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX %).(XXXX ; XXXX) "This loan failed the higher-priced mortgage loan test. (XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXX . While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX §XXXX , some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br> TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXXX and the Final Closing disclosure on Pg#'s XXXX , Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXXX . An interior and exterior appraisal was completed for this property – see pg XXXX , the appraisal acknowledgment was provided to the borrower(s)- see Pg#'sXXXX , and confirmation the appraisal was delivered to the borrower – see Pg#'s XXXX , and XXXX Page # XXXX .The loan meets XXXX guidelines, resolved. " - Due Diligence Vendor-06/04/2025 |  | Resolved-Resolved. Opened with PC Mavent run - Due Diligence Vendor-06/09/2025 <br> Resolved-This is a XXXX Higher-Priced Mortgage Loan (XXXX). The loan's APR of (XXXX%) equals or exceeds the XXXX XXXXthreshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(XXXX; XXXX)) "This loan failed the higher-priced mortgage loan test. (XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXX . While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br> TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXXX and the Final Closing disclosure on Pg#'s XXXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXXX . An interior and exterior appraisal was completed for this property – see pg XXXX , the appraisal acknowledgment was provided to the borrower(s)- see Pg#'s XXXX , and confirmation the appraisal was delivered to the borrower – see Pg#'s XXXX, and XXXX Page # XXXX.The loan meets XXXX guidelines, resolved. " - Due Diligence Vendor-06/04/2025 |  |  |  | XXXX | Primary Residence | Purchase | NA | 4327176 | N/A | N/A |
| XXXX | 9127989 |  |  | Closed | 2025-06-04 05:28 | 2025-06-09 17:30 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-Resolved. Opened with PC Mavent run - Due Diligence Vendor-06/09/2025 <br> Resolved-The loan's (XXXX %) APR equals or exceeds the Federal XXXX threshold of (XXXX %). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX %).(XXXX) "This loan failed the higher-priced mortgage loan test. (XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXX . While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX , some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br> TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXXX and the Final Closing disclosure on Pg#'s XXXX , Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXXX . An interior and exterior appraisal was completed for this property – see pg XXXX , the appraisal acknowledgment was provided to the borrower(s)- see Pg#'s XXXX , and confirmation the appraisal was delivered to the borrower – see Pg#'s XXXX , and XXXX Page # XXXX .The loan meets XXXX guidelines, resolved. "<br> - Due Diligence Vendor-06/04/2025 |  | Resolved-Resolved. Opened with PC Mavent run - Due Diligence Vendor-06/09/2025 <br> Resolved-The loan's (XXXX %) APR equals or exceeds the Federal XXXX threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX) "This loan failed the higher-priced mortgage loan test. (XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXX . While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX , some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br> TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXXXand the Final Closing disclosure on Pg#'s XXXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXXX . An interior and exterior appraisal was completed for this property – see pg XXXX , the appraisal acknowledgment was provided to the borrower(s)- see Pg#'s XXXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXXX, and XXXXPage # 395.The loan meets HPML guidelines, resolved. "<br> - Due Diligence Vendor-06/04/2025 |  |  |  | XXXX | Primary Residence | Purchase | NA | 4327177 | N/A | N/A |
| XXXX | 9127870 |  |  | Closed | 2025-06-04 14:09 | 2025-06-09 14:39 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved- - Due Diligence Vendor-06/09/2025 <br> Ready for Review-Document Uploaded. - Seller-06/06/2025 <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Broker Fees. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XXXX); XXXX). Need COC for Revised LE XXXX as Broker fee increased from $XXXX to $XXXX . - Due Diligence Vendor-06/04/2025 | Ready for Review-Document Uploaded. - Seller-06/06/2025<br>| Resolved- - Due Diligence Vendor-06/09/2025<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 4330178 | N/A | N/A |
| XXXX | 9127870 |  |  | Closed | 2025-06-04 12:32 | 2025-06-09 09:29 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Updated 1008 Document uploaded, Qualifying FICO on the 1008 matches the Qualifying FICO from the Credit Liabilities, Verified - Resolved - Due Diligence Vendor-06/09/2025 <br> Resolved-Validation Resolved - Due Diligence Vendor-06/09/2025 <br> Ready for Review-Document Uploaded. - Seller-06/06/2025 <br> Open-Qualifying FICO on the 1008 Page is XXXX ' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXXX ' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. As per the Guidelines considered primary wage earner mid score, but 1008 showing lowest mid score, hence there is difference in FICO, 1008 showing XXXX FICO score, whereas primary wage earner mid score showing XXXX FICO score. - Due Diligence Vendor-06/04/2025 | Ready for Review-Document Uploaded. - Seller-06/06/2025<br>| Resolved-Updated 1008 Document uploaded, Qualifying FICO on the 1008 matches the Qualifying FICO from the Credit Liabilities, Verified - Resolved - Due Diligence Vendor-06/09/2025 <br> Resolved-Validation Resolved - Due Diligence Vendor-06/09/2025 | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 4328930 | N/A | N/A |
| XXXX | 9127870 |  |  | Closed | 2025-06-04 14:09 | 2025-06-09 14:39 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | XXXX - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | Resolved-. - Due Diligence Vendor-06/09/2025 <br> Resolved-This is a XXXX Higher-Priced Mortgage Loan (XXXX). The loan's APR of XXXX %) equals or exceeds the XXXX XXXX threshold of (XXXX %). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX %).(XXXX ;XXXX) This loan failed the higher-priced mortgage loan test. (XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXX . While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX §XXXX , some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXXX , XXXX and the Final Closing disclosure on Pg#'s XXXX , Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXXX . An interior and exterior appraisal was completed for this property – see pg# XXXX , the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXXX , and confirmation the appraisal was delivered to the borrower – see Pg#'s XXXX , XXXX . The loan meets XXXX guidelines, resolved. - Due Diligence Vendor-06/04/2025 |  | Resolved-. - Due Diligence Vendor-06/09/2025 <br> Resolved-This is a XXXX Higher-Priced Mortgage Loan (XXXX). The loan's APR of (XXXX%) equals or exceeds the XXXX XXXX threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX; XXXX) This loan failed the higher-priced mortgage loan test. (XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXX. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXXX, XXXX and the Final Closing disclosure on Pg#'s XXXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXXX. An interior and exterior appraisal was completed for this property – see pg# XXXX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXXX, XXXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-06/04/2025 |  |  |  | XXXX | Primary Residence | Purchase | NA | 4330179 | N/A | N/A |
| XXXX | 9127870 |  |  | Closed | 2025-06-04 14:09 | 2025-06-09 14:39 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-. - Due Diligence Vendor-06/09/2025 <br> Resolved-The loan's (XXXX %) APR equals or exceeds the Federal HPML threshold of (XXXX %). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX) This loan failed the higher-priced mortgage loan test. (XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXX . While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX , some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXXX , XXXX and the Final Closing disclosure on Pg#'s XXXX , Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXXX . An interior and exterior appraisal was completed for this property – see pg# XXXX , the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXXX , and confirmation the appraisal was delivered to the borrower – see Pg#'s XXXX , XXXX . The loan meets HPML guidelines, resolved. - Due Diligence Vendor-06/04/2025 |  | Resolved-. - Due Diligence Vendor-06/09/2025 <br> Resolved-The loan's (XXXX %) APR equals or exceeds the XXXX XXXX threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX) This loan failed the higher-priced mortgage loan test. (XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXX. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXXX, XXXX and the Final Closing disclosure on Pg#'s XXXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXXX. An interior and exterior appraisal was completed for this property – see pg# XXXX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXXX, XXXX. The loan meets XXXX guidelines, resolved. - Due Diligence Vendor-06/04/2025 |  |  |  | XXXX | Primary Residence | Purchase | NA | 4330180 | N/A | N/A |

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## Exhibit 99.7

[MORGAN STANLEY CAPITAL I INC. ABS-15G](msrm-abs15g.htm)

**Exhibit 99.7 – Schedule 5**

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| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Loan Program** | **Guideline Product Name** | **Originator Name** | **Originating Entity CDFI Flag** | **Guideline Name** | **Guideline Author** | **Guideline Date** | **Guideline Version** | **Application Date** | **TILA Status** | **TRID** | **GSE** | **Verified Safe Harbor Flag** | **Verified Safe Harbor Reference Document** | **QM Regulation Failures** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **AUS Decision System** | **Rating Result** | **Property Inspection Waiver (PIW)** | **Calculated APR** | **HUD 1 Page 1 Credits Total** | **Verified Qualifying Rate** | **Originator Qualifying Rate** | **Qualifying P&I** | **Default Interest Rate Present** | **Default Interest Rate** | **Annual Property Tax** | **Monthly Property Tax** | **Annual Insurance Costs** | **Monthly Insurance Cost** | **Annual HOA Costs** | **Monthly HOA Costs** | **Monthly Other Costs** | **PITIA** | **Residual Income** | **HOA Questionnaire Flag** | **HOA Name** | **HOA Address State** | **HOA Fee Amount** | **HOA Next Due Date** | **HOA Payment Frequency** | **Originator DTI** | **TPR Verified DTI** | **QM DTI** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower 2 Length of Employment** | **Co Borrower 3 Length of Employment** | **Document Level** | **Borrower Years of W2s/1099** | **CoBorrower Years of W2s/1099** | **Borrower Months of Paystubs Verified** | **Co Borrower Months of Paystubs Verified** | **Borrower Employment Gap Letter** | **Borrower Months of Employment Gap** | **Co Borrower Employment Gap Letter** | **Co Borrower Months of Employment Gap** | **Borrower Years of Personal Tax Returns** | **Borrower Years of Business Tax Returns** | **CoBorrower Years of Personal Tax Returns** | **CoBorrower Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Borrower Award/Offer Letter** | **Co Borrower Award/Offer Letter** | **Asset Depletion Flag** | **Partial Asset Depletion Flag** | **Asset Depletion Months Amortized** | **Asset Utilization Flag (No DTI)** | **Borrower Bank Statements Flag** | **Borrower Bank Statement Summary/Lender Worksheet** | **Borrower Number of Personal Bank Statements** | **Borrower Number of Business Bank Statements** | **CoBorrower Bank Statements Flag** | **Co Borrower Bank Statement Summary/Lender Worksheet** | **CoBorrower Number of Personal Bank Statements** | **CoBorrower Number of Business Bank Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **Bespoke Eligible Assets** | **Borrower P&L Type** | **Borrower Number of Months P&L** | **Borrower P&L Prepared By** | **CoBorrower P&L Type** | **CoBorrower P&L Prepared By** | **CoBorrower Number of Months P&L** | **# of Months CPA verified income** | **CoBorrower CPA Letter Flag** | **CoBorrower # of Months CPA verified income** | **Borrower WVOE Flag** | **Borrower # of Months Employment Validated WVOE** | **Borrower # of Months Income Validated WVOE** | **Borrower WVOE Form Type** | **CoBorrower WVOE Flag** | **CoBorrower # of Months WVOE** | **CoBorrower # of Months Income Validated WVOE** | **CoBorrower WVOE Form Type** | **DSCR Flag** | **TPR DSCR** | **Originator DSCR** | **Expense Letter** | **Income Doc Detail** | **Tax Return Doc Details** | **Property Address** | **Property City** | **Property State** | **Property Zip** | **Property County** | **Original Credit Report Date** | **Borrower 1 Credit Report Date** | **Borrower 2 Credit Report Date** | **Borrower 3 Credit Report Date** | **Borrower 4 Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Co Borrower 2 FICO** | **Most Recent Co Borrower 3 FICO** | **Updated Credit Report Flag** | **Updated Credit Report Date** | **Updated FICO Method** | **Primary Wage Earner Updated FICO Equifax** | **Primary Wage Earner Updated FICO Experian** | **Primary Wage Earner Updated FICO Transunion** | **Secondary Wage Earner Updated FICO Equifax** | **Secondary Wage Earner Updated FICO Experian** | **Secondary Wage Earner Updated FICO Transunion** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Updated Primary Borrower FICO** | **Updated Co Borrower FICO** | **Updated Co Borrower 2 FICO** | **Updated Co Borrower 3 FICO** | **Updated Qualifying FICO** | **Most Recent Bankruptcy Type** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Most Recent Deed in Lieu Date** | **Number of Deed in Lieu Events** | **Months Deed in Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Lates 30d in 0-12m** | **Prior Mortgage/Rent Lates 60d in 0-12m** | **Prior Mortgage/Rent Lates 90d in 0-12m** | **Prior Mortgage/Rent Lates 120d+ in 0-12m** | **Prior Mortgage/Rent Lates 30d in 13-24m** | **Prior Mortgage/Rent Lates 60d in 13-24m** | **Prior Mortgage/Rent Lates 90d in 13-24m** | **Prior Mortgage/Rent Lates 120d+ in 13-24m** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Is Equity Shared Loan** | **Subordinate Lien Type** | **Subordinate Lien Max Draw Amount (HELOC)** | **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** |
| 8995896 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 12/23/2024 | 6.770% | Manual Underwriting | Manual Underwriting | No | 7.498% |  | 7.250% | 7.250% | XXXX | No |  | XXXX | XXXX | $7642.08 | $636.84 | $1752.00 | $146.00 | $0.00 | $9506.86 | $14736.89 | N/A | XXXX | XXXX | $146.00 | XXXX | Monthly | 45.62% | 45.62% | 45.62% | No |  |  |  |  |  |  |  | Retired |  |  |  |  |  | Asset Depletion – Debt Ratio Calculation | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | Yes | Yes | 60 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SSI and Disability, Asset Depletion - 2023, 2024 | Borrower - 2023, 2024 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 785 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 173.1 | XXXX | 173.5 | No | 64.97 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 9069074 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 01/08/2025 | 6.890% | Manual Underwriting | Manual Underwriting | No | 8.039% |  | 7.875% | 7.875% | XXXX | No |  | XXXX | XXXX | $2318.04 | $193.17 | $2199.96 | $183.33 | $0.00 | $3910.00 | $13003.00 | N/A | XXXX | XXXX | $183.33 | XXXX | Annually | 30.41% | 30.41% | 30.41% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 1 YR 1099 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - SESCorp - 1 YR 1099 Verified, Business Bank Statements Verified - 2023, 2024 | Borrower - 2023, 2024 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 739 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 18.7 | XXXX | 18.7 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 9113559 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 12/11/2024 | 6.690% | Manual Underwriting | Manual Underwriting | No | 7.475% |  | 7.250% | 7.250% | XXXX | No |  | XXXX | XXXX | $2847.00 | $237.25 | $0.00 | $0.00 | $0.00 | $2251.59 | $93173.90 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 13.95% | 13.95% | 13.95% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  | Stocks/Bonds | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2023, 2024 | Borrower - 2023, 2024 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 757 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act Disclosure | XXXX | United States | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 21.7 | XXXX | 21.7 | No | 70 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 9066873 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.250% | 7.250% | XXXX | Yes | 11.250% | XXXX | XXXX | $2069.88 | $172.49 | $0.00 | $0.00 | $0.00 | $1584.58 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.262 | 1.262 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 704 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 0 | XXXX | 28.4 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9069028 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  | $0.00 | 7.875% | 7.875% | XXXX | No |  | XXXX | XXXX | $2071.92 | $172.66 | $0.00 | $0.00 | $0.00 | $1390.94 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 1.222 | 1.222 | N/A | Borrower \|\| Co Borrower | Borrower \|\| Co Borrower | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 741 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Missing |  | XXXX | XXXX | XXXX | XXXX | XXXX | I-551 Permanent Resident Card | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 91.6 | XXXX | 91.6 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A |
| 9066700 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 02/12/2025 | 6.870% | Manual Underwriting | Manual Underwriting | No | 7.790% |  | 7.499% | 7.499% | XXXX | No |  | XXXX | XXXX | $2133.00 | $177.75 | $0.00 | $0.00 | $0.00 | $4574.38 | $45496.95 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 13.94% | 13.84% | 13.84% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 90.00% |  |  | N/A | 0 | N/A |  |  |  | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership, Other REO Net Rental Income(Loss) - null CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 750 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Non Permanent Resident Alien | Undocumented Non-US Citizen | Yes - ITIN Letter/Certificate | Standard Driver's License - Not for federal use |  | XXXX | United States | XXXX | XXXX | XXXX | Passport | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 8.4 | XXXX | 9 | No | 76.43 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 9129170 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.750% | 8.750% | XXXX | Yes | 18.000% | XXXX | XXXX | $740.04 | $61.67 | $0.00 | $0.00 | $0.00 | $2062.43 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.018 | 1.018 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 674 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 16.1 | XXXX | 25.4 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9129180 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.750% | 7.750% | XXXX | Yes | 18.000% | XXXX | XXXX | $1224.96 | $102.08 | $0.00 | $0.00 | $0.00 | $1218.41 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.354 | 1.354 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 660 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | United States | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 9.6 | XXXX | 9.6 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9129188 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.750% | 7.750% | XXXX | Yes | 18.000% | XXXX | XXXX | $1561.08 | $130.09 | $0.00 | $0.00 | $0.00 | $2544.47 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.096 | 1.096 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 697 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | United States | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 330.7 | XXXX | 330.7 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9129200 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  | $0.00 | 9.500% | 9.500% | XXXX | Yes | 18.000% | XXXX | XXXX | $3315.00 | $276.25 | $0.00 | $0.00 | $0.00 | $3203.76 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.092 | 1.092 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 692 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 8.3 | XXXX | 8.3 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9129177 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.125% | 7.125% | XXXX | Yes | 18.000% | XXXX | XXXX | $2373.00 | $197.75 | $0.00 | $0.00 | $0.00 | $2624.26 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.105 | 1.105 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 776 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Foreign National | Foreign National | Yes - ITIN Letter/Certificate | Passport |  | XXXX | Israel | XXXX | XXXX | XXXX | R-1 Visa | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 6.2 | XXXX | 117.4 | Yes | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9113555 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  | $0.00 | 7.625% | 7.625% | XXXX | No |  | XXXX | XXXX | $8645.28 | $720.44 | $0.00 | $0.00 | $0.00 | $3947.92 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.672 | 1.672 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 657 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 0 | XXXX | 81.9 | No | 42.79 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9113549 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.625% | 7.625% | XXXX | No |  | XXXX | XXXX | $3074.28 | $256.19 | $0.00 | $0.00 | $0.00 | $3177.70 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  | Proceeds from Sale |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.196 | 1.198 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 657 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 61.5 | XXXX | 61.5 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9120568 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.375% | 8.375% | XXXX | Yes | 9.625% | XXXX | XXXX | $1496.04 | $124.67 | $0.00 | $0.00 | $0.00 | $753.94 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 2.296 | 2.295 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 673 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX | XXXX | XXXX | I-151 Permanent Resident Card | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 21.6 | XXXX | 60.5 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9113554 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 03/17/2025 | 6.650% | Manual Underwriting | Manual Underwriting | No | 7.510% |  | 7.375% | 7.375% | XXXX | No |  | XXXX | XXXX | $2954.04 | $246.17 | $0.00 | $0.00 | $0.00 | $3495.23 | $13187.28 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 20.95% | 20.95% | 20.95% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | Asset Utilization (DTI) | 0 | 2 YRS W2 | NA | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 0 | NA | NA | No | Yes | 60 | No | Yes | Yes | 0 | 12 | No | Yes | 0 | 0 | 13.34% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 24 | 24 | FNMA 1005 | No | 0 |  | N/A | Borrower - SESoleProprietor - 1 YR Executed 4506T Verified, Business Bank Statements Verified - 2024 - 2024 \|\| Co Borrower - Wage, Asset Depletion - 2 YRS W2 Verified, 1 Month Paystubs Verified, Written VOE Verified, 1 YR Executed 4506T Verified - 2023, 2024, 2025 | Borrower - 1 YR Executed 4506T Verified - 2024 - 2024 \|\| Co Borrower - 1 YR Executed 4506T Verified - 2023, 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 730 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Other | US Patriot Act Disclosure - Driver License | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 3.2 | XXXX | 3.8 | No | 65 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| 9129206 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 9.750% | 9.750% | XXXX | Yes | 18.000% | XXXX | XXXX | $1254.96 | $104.58 | $200.04 | $16.67 | $0.00 | $2005.69 |  | N/A | XXXX | XXXX | $16.67 | XXXX | Annually | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.072 | 1.072 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 676 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | United States | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 63.7 | XXXX | 73.8 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9129207 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.625% | 7.625% | XXXX | Yes | 18.000% | XXXX | XXXX | $579.96 | $48.33 | $0.00 | $0.00 | $0.00 | $1264.38 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.364 | 1.364 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 747 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Foreign National | Foreign National | Yes - ITIN Letter/Certificate | Passport |  | XXXX | SINGAPORE | XXXX | XXXX | XXXX | A-2 Visa | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | Foreign Credit Report | XXXX | 4.9 | XXXX | 115.3 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9129208 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  | $0.00 | 7.500% | 7.500% | XXXX | Yes | 18.000% | XXXX | XXXX | $1101.96 | $91.83 | $0.00 | $0.00 | $0.00 | $1394.39 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.341 | 1.341 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 747 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Foreign National | Foreign National | Yes - ITIN Letter/Certificate | Passport |  | XXXX | SINGAPORE | XXXX | XXXX | XXXX | R-1 Visa | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | Foreign Credit Report | XXXX | 4.4 | XXXX | 110.5 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9129223 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.990% | 7.990% | XXXX | Yes | 18.000% | XXXX | XXXX | $1691.04 | $140.92 | $0.00 | $0.00 | $0.00 | $2031.81 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.526 | 1.526 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 709 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | Non-Permanent Non-US Citizen | N/A | Standard Driver's License - Not for federal use | USA Patriot Act (Driver's License) | XXXX | United States | XXXX | XXXX | XXXX | Passport with I-797 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 1.6 | XXXX | 102.3 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9129226 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.990% | 7.990% | XXXX | Yes | 18.000% | XXXX | XXXX | $546.96 | $45.58 | $0.00 | $0.00 | $0.00 | $883.32 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.155 | 1.155 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 698 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 15 | XXXX | 15 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9129230 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 9.625% | 9.625% | XXXX | Yes | 18.000% | XXXX | XXXX | $1386.00 | $115.50 | $0.00 | $0.00 | $0.00 | $2597.27 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.294 | 1.294 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 665 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 10.9 | XXXX | 10.9 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9129237 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.875% | 7.875% | XXXX | Yes | 18.000% | XXXX | XXXX | $1506.60 | $125.55 | $0.00 | $0.00 | $0.00 | $1034.13 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.46 | 1.457 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 686 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 19.2 | XXXX | 19.2 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9129238 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  | $0.00 | 7.750% | 7.750% | XXXX | Yes | 18.000% | XXXX | XXXX | $1271.28 | $105.94 | $0.00 | $0.00 | $0.00 | $1400.97 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.328 | 1.328 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 747 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Non Permanent Resident Alien | Non-Permanent Non-US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | United States | XXXX | XXXX | XXXX | H-1B Visa | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 8.6 | XXXX | 123.4 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9129241 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  | $0.00 | 8.375% | 8.375% | XXXX | No |  | XXXX | XXXX | $1615.56 | $134.63 | $0.00 | $0.00 | $0.00 | $1669.80 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.198 | 1.198 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 696 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | United States | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 15 | XXXX | 15 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9129242 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.375% | 8.375% | XXXX | Yes | 18.000% | XXXX | XXXX | $1932.00 | $161.00 | $0.00 | $0.00 | $0.00 | $1485.00 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.145 | 1.145 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 671 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 7.3 | XXXX | 7.3 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9129252 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 9.250% | 9.250% | XXXX | Yes | 18.000% | XXXX | XXXX | $1564.68 | $130.39 | $0.00 | $0.00 | $0.00 | $1806.92 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.052 | 1.052 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 725 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 58 | XXXX | 58 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9129276 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.750% | 8.750% | XXXX | Yes | 18.000% | XXXX | XXXX | $2063.40 | $171.95 | $0.00 | $0.00 | $0.00 | $2778.55 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.024 | 1.024 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 697 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | United States | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 311.5 | XXXX | 311.5 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9129281 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 9.125% | 9.125% | XXXX | Yes | 18.000% | XXXX | XXXX | $1594.80 | $132.90 | $0.00 | $0.00 | $0.00 | $1370.52 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1 | 1 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 704 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | XXXX | United States | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 14.1 | XXXX | 26.4 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9129286 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.250% | 8.250% | XXXX | Yes | 18.000% | XXXX | XXXX | $1581.96 | $131.83 | $0.00 | $0.00 | $0.00 | $1837.29 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.078 | 1.078 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 662 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 16.3 | XXXX | 78.9 | No | 67.37 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9129289 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  | $0.00 | 7.250% | 7.250% | XXXX | Yes | 18.000% | XXXX | XXXX | $1155.24 | $96.27 | $0.00 | $0.00 | $0.00 | $1504.26 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.097 | 1.097 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 754 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Non Permanent Resident Alien | Non-Permanent Non-US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | United States | XXXX | XXXX | XXXX | R-1 Visa | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 110.1 | XXXX | 148.4 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9129292 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.125% | 8.125% | XXXX | Yes | 18.000% | XXXX | XXXX | $992.04 | $82.67 | $0.00 | $0.00 | $0.00 | $942.32 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.374 | 1.374 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 673 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 11.5 | XXXX | 11.5 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9129294 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.250% | 8.250% | XXXX | Yes | 18.000% | XXXX | XXXX | $1005.36 | $83.78 | $0.00 | $0.00 | $0.00 | $986.27 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.338 | 1.338 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 673 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 11 | XXXX | 26.8 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9129300 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.125% | 8.125% | XXXX | Yes | 18.000% | XXXX | XXXX | $1917.96 | $159.83 | $0.00 | $0.00 | $0.00 | $1555.72 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.028 | 1.028 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 679 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act (Driver's License) | XXXX | United States | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 17.6 | XXXX | 17.6 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9129301 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 9.375% | 9.375% | XXXX | Yes | 18.000% | XXXX | XXXX | $860.04 | $71.67 | $0.00 | $0.00 | $0.00 | $1085.41 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.152 | 1.152 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 669 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 7.2 | XXXX | 7.2 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9129302 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.625% | 7.625% | XXXX | Yes | 18.000% | XXXX | XXXX | $617.04 | $51.42 | $0.00 | $0.00 | $0.00 | $1341.29 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.193 | 1.193 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 698 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Foreign National | Foreign National | N/A | Passport |  | XXXX | Israel | XXXX | XXXX | XXXX | R-1 Visa | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 99.7 | XXXX | 130.4 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9129306 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.500% | 7.500% | XXXX | Yes | 18.000% | XXXX | XXXX | $1857.00 | $154.75 | $0.00 | $0.00 | $0.00 | $2388.47 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.047 | 1.047 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 755 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Non Permanent Resident Alien | Non-Permanent Non-US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | United States | XXXX | XXXX | XXXX | Passport with I-797 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 0.3 | XXXX | 31.9 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9128074 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 03/19/2025 | 6.650% | Manual Underwriting | Manual Underwriting | No | 7.289% |  | 6.875% | 6.875% | XXXX | No |  | XXXX | XXXX | $3975.96 | $331.33 | $0.00 | $0.00 | $0.00 | $4422.16 | $13105.33 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 32.18% | 32.18% | 32.18% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 765 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX | XXXX | XXXX | I-551 Permanent Resident Card | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 35.6 | XXXX | 35.6 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 9128066 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 03/26/2025 | 6.660% | Manual Underwriting | Manual Underwriting | No | 8.853% |  | 8.625% | 8.625% | XXXX | No |  | XXXX | XXXX | $4330.44 | $360.87 | $0.00 | $0.00 | $0.00 | $4924.76 | $14381.24 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 38.67% | 38.67% | 38.67% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp, Other REO Net Rental Income(Loss) - Executed 4506T Verified, Business Bank Statements Verified - 2025, 2024 | Borrower - Executed 4506T Verified - 2025, 2024 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 770 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act Disclosure | XXXX | United States | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 30.5 | XXXX | 30.5 | No | 90 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 9128070 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 03/18/2025 | 6.650% | Manual Underwriting | Manual Underwriting | No | 7.934% |  | 7.625% | 7.625% | XXXX | No |  | XXXX | XXXX | $10263.48 | $855.29 | $2004.00 | $167.00 | $0.00 | $13156.35 | $48148.05 | N/A | XXXX | XXXX | $167.00 | XXXX | Monthly | 36.91% | 36.91% | 36.91% | No | No |  |  |  |  |  |  | Employed | Not Employed |  |  |  |  | 2YR Full Doc | 2 YRS W2 | 0 | 2+ Months | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Wage - 2 YRS W2 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified - 2023, 2024 \|\| Co Borrower | Borrower - 2 YRS Executed 4506T Verified - 2023, 2024 \|\| Co Borrower | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 649 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Enhanced Driver's License (MI, MN, NY, VT, WA) |  | XXXX | United States | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Enhanced Driver's License (MI, MN, NY, VT, WA) |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 0 | XXXX | 17 | No | 53.45 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| 9128067 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 03/19/2025 | 6.650% | Manual Underwriting | Manual Underwriting | No | 7.351% |  | 7.125% | 7.125% | XXXX | No |  | XXXX | XXXX | $4911.96 | $409.33 | $1100.04 | $91.67 | $0.00 | $3521.37 | $31358.49 | N/A | XXXX | XXXX | $91.67 | XXXX | Annually | 14.24% | 14.24% | 14.24% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 24 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 24 | 0 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Personal Bank Statements Verified - 2024, 2025, 2023 | Borrower - 2024, 2025, 2023 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 741 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 41.2 | XXXX | 41.2 | No | 62.75 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 9128069 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 04/02/2025 | 6.650% | Manual Underwriting | Manual Underwriting | No | 7.630% |  | 7.375% | 7.375% | XXXX | No |  | XXXX | XXXX | $3687.96 | $307.33 | $600.00 | $50.00 | $0.00 | $3662.79 | $10106.62 | N/A | XXXX | XXXX | $50.00 | XXXX | Annually | 48.96% | 33.28% | 33.28% | No | No |  |  |  |  |  |  | Not Employed | Not Employed |  |  |  |  | Asset Utilization (DTI) | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | Yes | 60 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Asset Depletion, Other REO Net Rental Income(Loss) - 2024, 2025 \|\| Co Borrower - Asset Depletion - 2024, 2025 | Borrower - 2024, 2025 \|\| Co Borrower - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 784 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 235.6 | XXXX | 347.7 | No | 80 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| 9128073 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 03/20/2025 | 6.650% | Manual Underwriting | Manual Underwriting | No | 7.858% |  | 7.500% | 7.500% | XXXX | No |  | XXXX | XXXX | $3675.00 | $306.25 | $0.00 | $0.00 | $0.00 | $4501.99 | $8805.67 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 42.88% | 42.88% | 42.88% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 YRS W2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 733 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Passport |  | XXXX | United States | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 10.2 | XXXX | 10.2 | No | 75.45 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 9129311 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.500% | 8.500% | XXXX | Yes | 18.000% | XXXX | XXXX | $1089.84 | $90.82 | $0.00 | $0.00 | $0.00 | $1947.31 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.042 | 1.042 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 681 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | United States | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 10.7 | XXXX | 10.7 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9129315 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.750% | 8.750% | XXXX | Yes | 18.000% | XXXX | XXXX | $1280.76 | $106.73 | $0.00 | $0.00 | $0.00 | $1223.67 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.169 | 1.169 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 691 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | United States | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 11.8 | XXXX | 11.8 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9129319 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.375% | 8.375% | XXXX | Yes | 18.000% | XXXX | XXXX | $839.04 | $69.92 | $0.00 | $0.00 | $0.00 | $1900.40 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1 | 1 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 695 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | USA | XXXX | XXXX | XXXX | I-151 Permanent Resident Card | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 12.4 | XXXX | 12.4 | No | 77.64 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9129326 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 9.500% | 9.500% | XXXX | Yes | 18.000% | XXXX | XXXX | $5196.00 | $433.00 | $492.00 | $41.00 | $0.00 | $5228.90 |  | N/A | XXXX | XXXX | $41.00 | XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.017 | 1.017 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 665 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 7.9 | XXXX | 7.9 | No | 77.86 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9129338 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.375% | 8.375% | XXXX | Yes | 18.000% | XXXX | XXXX | $1799.04 | $149.92 | $0.00 | $0.00 | $0.00 | $1750.96 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.022 | 1.022 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 661 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 107.3 | XXXX | 107.3 | No | 80 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| 9129340 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.750% | 8.750% | XXXX | Yes | 18.000% | XXXX | XXXX | $792.00 | $66.00 | $0.00 | $0.00 | $0.00 | $782.00 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.662 | 1.662 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 701 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 60.7 | XXXX | 60.7 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9129348 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.375% | 7.375% | XXXX | Yes | 18.000% | XXXX | XXXX | $1244.04 | $103.67 | $0.00 | $0.00 | $0.00 | $1388.58 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.008 | 1.008 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 728 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Foreign National | Foreign National | Missing | Passport |  | XXXX | ISRAELI | XXXX | XXXX | XXXX | R-1 Visa | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 0.7 | XXXX | 17.9 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9129351 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.625% | 7.625% | XXXX | Yes | 18.000% | XXXX | XXXX | $1076.04 | $89.67 | $0.00 | $0.00 | $0.00 | $948.78 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.317 | 1.317 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 703 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Non Permanent Resident Alien | Non-Permanent Non-US Citizen | N/A | Passport | USA Patriot Act Information Form | XXXX | Canada | XXXX | XXXX | XXXX | Passport | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 121 | XXXX | 226 | No | 72.85 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9128075 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 03/11/2025 | 6.620% | Manual Underwriting | Manual Underwriting | No | 7.814% |  | 7.500% | 7.500% | XXXX | No |  | XXXX | XXXX | $2750.28 | $229.19 | $0.00 | $0.00 | $0.00 | $2901.86 | $4688.14 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 42.00% | 42.00% | 42.00% | No | No |  |  |  |  |  |  | Not Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 0 | Yes | NA | No | No | 0 | No | No | Yes | 0 | 0 | Yes | Yes | 12 | 0 | 71.37% | 0.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SSI and Disability - Executed 4506T Verified, Award Letter Verified - 2024 - 2024 \|\| Co Borrower - SESoleProprietor - Executed 4506T Verified, Personal Bank Statements Verified - 2025, 2024 | Borrower - Executed 4506T Verified - 2024 - 2024 \|\| Co Borrower - Executed 4506T Verified - 2025, 2024 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 720 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 0 | XXXX | 9.7 | No | 51.72 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| 9128072 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 04/08/2025 | 6.620% | Manual Underwriting | Manual Underwriting | No | 9.212% |  | 8.875% | 8.875% | XXXX | No |  | XXXX | XXXX | $6147.00 | $512.25 | $0.00 | $0.00 | $0.00 | $7085.59 | $15628.88 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 41.40% | 41.40% | 41.40% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA |  | No | No | 0 | No | Yes | Missing | 12 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Executed 4506T Verified, Personal Bank Statements Verified, Business Bank Statements Verified - 2025, 2024 | Borrower - Executed 4506T Verified - 2025, 2024 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 776 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | United States | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 55.7 | XXXX | 55.7 | No | 90 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 9128036 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 04/11/2025 | 6.620% | Manual Underwriting | Manual Underwriting | No | 8.140% |  | 8.000% | 8.000% | XXXX | No |  | XXXX | XXXX | $1008.00 | $84.00 | $0.00 | $0.00 | $0.00 | $3324.01 | $7669.03 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 23.55% | 47.05% | 47.05% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 12 | 0 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Personal Bank Statements Verified - 2024, 2025 \|\| Co Borrower | Borrower - 2024, 2025 \|\| Co Borrower | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 685 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 2 | 0 | 0 | 0 | 2 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | United States | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 138.2 | XXXX | 138.2 | No | 51.22 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| 9066939 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 03/17/2025 | 6.650% | Manual Underwriting | Manual Underwriting | No | 7.798% |  | 7.375% | 7.375% | XXXX | No |  | XXXX | XXXX | $2613.00 | $217.75 | $0.00 | $0.00 | $0.00 | $2486.27 | $3249.32 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 49.69% | 49.69% | 49.69% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 50.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SEPartnership - Business Bank Statements Verified - 2024, 2025 \|\| Co Borrower | Borrower - 2024, 2025 \|\| Co Borrower | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 701 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Other | USA Patriot Act | XXXX | United States | XXXX | XXXX | XXXX | I-551 Permanent Resident Card | XXXX | XXXX | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | I-151 Permanent Resident Card | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 0 | XXXX | 14.9 | No | 55.76 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| 9127838 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 04/09/2025 | 6.620% | Manual Underwriting | Manual Underwriting | No | 8.360% |  | 7.999% | 7.999% | XXXX | No |  | XXXX | XXXX | $3822.96 | $318.58 | $1200.00 | $100.00 | $0.00 | $4695.71 | $6051.75 | N/A | XXXX | XXXX | $100.00 | XXXX | Annually | 45.50% | 45.50% | 45.50% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 12 Month Bank Statement | 0 | 2 YRS W2 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 3 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | Yes | 0 | 0 | 79.27% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 105 | 27 | Work Number | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - 2024, 2025 \|\| Co Borrower - Wage - 2 YRS W2 Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified - 2024, 2025, 2023 | Borrower - 2024, 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified - 2024, 2025, 2023 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 703 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 11.1 | XXXX | 11.1 | No | 80 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| 9128077 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.500% | 8.500% | XXXX | No |  | XXXX | XXXX | $7016.04 | $584.67 | $0.00 | $0.00 | $0.00 | $7890.60 | $21062.40 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 65.43% | 44.72% | 44.72% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - Business Bank Statements Verified - 2024 - 2024 | Borrower - 2024 - 2024 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 715 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 37.7 | XXXX | 37.7 | No | 80 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| 9128022 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  | 04/09/2025 | 6.620% | Manual Underwriting | Manual Underwriting | No | 8.926% |  | 8.375% | 8.375% | XXXX | No |  | XXXX | XXXX | $1825.20 | $152.10 | $0.00 | $0.00 | $0.00 | $1975.48 | $51307.58 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 31.57% | 27.80% | 27.80% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 674 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 0 | XXXX | 106 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9128035 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.125% | 8.125% | XXXX | No |  | XXXX | XXXX | $1642.08 | $136.84 | $0.00 | $0.00 | $0.00 | $1359.76 | $50737.15 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 28.61% | 28.61% | 28.61% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 12 | 12 | No |  |  |  | 100.00% | 100.00% |  | Proceeds from Sale | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Executed 4506T Verified, Personal Bank Statements Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - Executed 4506T Verified - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 674 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Other | Usa Patriot Driving License | XXXX | United States | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 116.8 | XXXX | 116.8 | No | 75 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| 9128003 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 04/11/2025 | 6.620% | Manual Underwriting | Manual Underwriting | No | 8.169% |  | 8.000% | 8.000% | XXXX | No |  | XXXX | XXXX | $955.80 | $79.65 | $2688.00 | $224.00 | $0.00 | $2027.19 | $3230.99 | N/A | XXXX | XXXX | $224.00 | XXXX | Monthly | 40.16% | 40.16% | 40.16% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - Executed 4506T Verified - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 708 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | United States | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 2.3 | XXXX | 9.2 | No | 66.27 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 9113556 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 02/25/2025 | 6.850% | Manual Underwriting | Manual Underwriting | No | 7.390% |  | 7.375% | 7.375% | XXXX | No |  | XXXX | XXXX | $1873.80 | $156.15 | $0.00 | $0.00 | $0.00 | $5503.67 | $14863.50 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 30.60% | 30.60% | 30.60% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2024, 2025 \|\| Co Borrower | Borrower - 2024, 2025 \|\| Co Borrower | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 718 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Other | US Patriot Act Disclosure - Driver License | XXXX | United States | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Other | US Patriot Act Disclosure - Driver License | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 63.7 | XXXX | 63.7 | No | 70 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| 9128023 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 04/14/2025 | 6.700% | Manual Underwriting | Manual Underwriting | No | 7.151% |  | 7.000% | 7.000% | XXXX | No |  | XXXX | XXXX | $2390.28 | $199.19 | $0.00 | $0.00 | $0.00 | $4594.08 | $7648.92 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 40.71% | 40.66% | 40.66% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - Executed 4506T Verified - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 795 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 9.5 | XXXX | 9.5 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 9128031 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 04/15/2025 | 6.700% | Manual Underwriting | Manual Underwriting | No | 8.046% |  | 7.875% | 7.875% | XXXX | No |  | XXXX | XXXX | $4395.48 | $366.29 | $0.00 | $0.00 | $0.00 | $2123.41 | $82363.65 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 5.21% | 5.21% | 5.21% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  | Proceeds from Sale | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - Executed 4506T Verified - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 660 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7 | XXXX | XXXX | 10 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 231.5 | XXXX | 231.5 | No | 53.94 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 9128064 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 04/22/2025 | 6.810% | Manual Underwriting | Manual Underwriting | No | 7.718% |  | 7.500% | 7.500% | XXXX | No |  | XXXX | XXXX | $456.96 | $38.08 | $3456.00 | $288.00 | $0.00 | $1395.84 | $3349.23 | Yes | XXXX | XXXX | $288.00 | XXXX | Monthly | 49.59% | 49.59% | 49.59% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 YRS W2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA |  | No | Yes | 60 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  | Stocks/Bonds | N/A | 0 | N/A |  |  | NA | 0 | No |  | Yes | 83 | 27 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Asset Depletion, Other REO Net Rental Income(Loss) - 2 YRS W2 Verified, 2+ Months Paystubs Verified, Written VOE Verified, Executed 4506T Verified - 2023, 2024, 2025 | Borrower - Executed 4506T Verified - 2023, 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 795 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 64.3 | XXXX | 64.3 | No | 75 | No | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 9128010 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 04/14/2025 | 6.700% | Manual Underwriting | Manual Underwriting | No | 8.134% |  | 8.000% | 8.000% | XXXX | No |  | XXXX | XXXX | $3999.00 | $333.25 | $1100.04 | $91.67 | $0.00 | $4832.83 | $61770.32 | N/A | XXXX | XXXX | $91.67 | XXXX | Annually | 17.31% | 17.31% | 17.31% | No | No |  |  |  |  |  |  | Not Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | Yes | Yes | 0 | 12 | 100.00% | 0.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - N/A, Other REO Net Rental Income(Loss) \|\| Co Borrower - SESCorp - Business Bank Statements Verified - 2024, 2025 | Borrower \|\| Co Borrower - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 704 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 23.6 | XXXX | 23.6 | No | 80 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| 9127820 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 04/01/2025 | 6.650% | Manual Underwriting | Manual Underwriting | No | 8.376% |  | 7.999% | 7.999% | XXXX | No |  | XXXX | XXXX | $903.00 | $75.25 | $0.00 | $0.00 | $0.00 | $4930.99 | $10189.92 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 32.87% | 32.87% | 32.87% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - 2024, 2025 \|\| Co Borrower | Borrower - 2024, 2025 \|\| Co Borrower | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 749 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Non Permanent Resident Alien | Undocumented Non-US Citizen | Yes - ITIN Letter/Certificate | Standard Driver's License - Not for federal use |  | XXXX | United States | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | Non Permanent Resident Alien | Undocumented Non-US Citizen | Yes - ITIN Letter/Certificate | Standard Driver's License - Not for federal Use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 1.6 | XXXX | 1.6 | No | 85 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| 9128026 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 04/14/2025 | 6.700% | Manual Underwriting | Manual Underwriting | No | 7.862% |  | 7.750% | 7.750% | XXXX | No |  | XXXX | XXXX | $1044.96 | $87.08 | $0.00 | $0.00 | $0.00 | $6563.55 | $13084.14 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 35.13% | 35.13% | 35.13% | No | No |  |  |  |  |  |  | Not Employed | Not Employed |  |  |  |  | Asset Utilization (DTI) | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 0 | Yes | Yes | No | Yes | 60 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Asset Depletion, SSI and Disability - Executed 4506T Verified, Award Letter Verified \|\| Co Borrower - SSI and Disability - Executed 4506T Verified, Award Letter Verified | Borrower - Executed 4506T Verified \|\| Co Borrower - Executed 4506T Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 791 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 73.6 | XXXX | 73.6 | No | 80 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| 9128038 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 04/03/2025 | 6.650% | Manual Underwriting | Manual Underwriting | No | 8.120% |  | 8.000% | 8.000% | XXXX | No |  | XXXX | XXXX | $1799.04 | $149.92 | $0.00 | $0.00 | $0.00 | $4724.59 | $8272.46 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 48.46% | 48.46% | 48.46% | No | No | 1 - Not Stated Not Verified |  | 4 - Stated, 1YR W2 + YTD Paystub OR 2YR Tax Returns |  | 3 - Stated, 3rd Party Verification |  | Employed | Retired | Employed |  | 3.23 |  | 2YR Full Doc | 2 YRS W2 | 0 | 2+ Months | NA | N/A | 0 | N/A | 0 | 2 | 0 | 2 | 0 | 1 | 3 | NA | Yes | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus, Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2 YRS W2 Verified, 2+ Months Paystubs Verified, Executed 4506T Verified, 3 YRS IRS Transcripts Verified - 2023, 2024, 2025 \|\| Co Borrower - SSI and Disability - 2 YRS Personal Tax Returns Verified, Executed 4506T Verified, 3 YRS IRS Transcripts Verified, Award Letter Verified - 2025 - 2025 \|\| Co Borrower 2 - Wage - 2 YRS W2 Verified, 1 Month Paystubs Verified, Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | Borrower - 2 YRS Personal Tax Returns Verified, Executed 4506T Verified, 3 YRS IRS Transcripts Verified - 2023, 2024, 2025 \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, Executed 4506T Verified, 3 YRS IRS Transcripts Verified - 2025 - 2025 \|\| Co Borrower 2 - Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 748 | 798 | 776 | 793 |  |  |  | 793 |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 28.2 | XXXX | 28.2 | No | 75 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | Borrower As Individual | N/A |
| 9127762 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 04/10/2025 | 6.620% | Manual Underwriting | Manual Underwriting | No | 6.978% |  | 6.750% | 6.750% | XXXX | No |  | XXXX | XXXX | $2310.00 | $192.50 | $0.00 | $0.00 | $2923.28 | $9335.85 | $15128.08 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 40.60% | 40.50% | 40.50% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 YRS W2 | 2 YRS W2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | Yes | 319 | 26 | Other | Yes | 115 | 26 | FNMA 1005 | No | 0 |  | N/A | Borrower - Wage, Other REO Net Rental Income(Loss) - 2 YRS W2 Verified, 2+ Months Paystubs Verified, Written VOE Verified, Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2025, 2024, 2023 \|\| Co Borrower - Wage - 2 YRS W2 Verified, 2+ Months Paystubs Verified, Written VOE Verified, Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2025, 2024, 2023 | Borrower - Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2025, 2024, 2023 \|\| Co Borrower - Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2025, 2024, 2023 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 809 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | HELOC | $375000.00 | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 111.8 | XXXX | 111.8 | No | 46.34 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| 9128019 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 04/08/2025 | 6.620% | Manual Underwriting | Manual Underwriting | No | 7.002% |  | 6.750% | 6.750% | XXXX | No |  | XXXX | XXXX | $1716.96 | $143.08 | $500.04 | $41.67 | $0.00 | $2656.67 | $12672.33 | N/A | XXXX | XXXX | $41.67 | XXXX | Annually | 23.92% | 28.95% | 28.95% | 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% | 75.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 798 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 5.7 | XXXX | 5.7 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 9128040 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 04/02/2025 | 6.650% | Manual Underwriting | Manual Underwriting | No | 7.051% |  | 6.875% | 6.875% | XXXX | No |  | XXXX | XXXX | $2303.04 | $191.92 | $0.00 | $0.00 | $0.00 | $3958.55 | $3958.13 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 50.00% | 50.00% | 50.00% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 1 YR W2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | Yes | 5 | 5 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 1 YR W2 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 733 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Other | US Patriot Act Disclosure - Driver License | XXXX | United States | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 0 | XXXX | 7.5 | No | 31.91 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 9127784 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 03/28/2025 | 6.660% | Manual Underwriting | Manual Underwriting | No | 7.204% |  | 6.875% | 6.875% | XXXX | No |  | XXXX | XXXX | $2525.04 | $210.42 | $0.00 | $0.00 | $0.00 | $5312.10 | $9527.57 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 35.97% | 35.97% | 35.97% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 3 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - YTD Profit And Loss Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 810 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 16.2 | XXXX | 16.2 | No | 85 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 9128045 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 03/27/2025 | 6.660% | Manual Underwriting | Manual Underwriting | No | 6.897% |  | 6.875% | 6.875% | XXXX | No |  | XXXX | XXXX | $5219.04 | $434.92 | $8388.00 | $699.00 | $0.00 | $15929.95 | $43470.87 | N/A | XXXX | XXXX | $699.00 | XXXX | Annually | 29.63% | 29.63% | 29.63% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Asset Utilization (DTI) | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 60 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Asset Depletion, Other REO Net Rental Income(Loss) - 2025 - 2025 | Borrower - 2025 - 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 793 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Other |  | XXXX | United States | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 198.8 | XXXX | 198.8 | No | 67.22 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 9128053 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 03/31/2025 | 6.650% | Manual Underwriting | Manual Underwriting | No | 6.887% |  | 6.875% | 6.875% | XXXX | No |  | XXXX | XXXX | $20905.80 | $1742.15 | $600.00 | $50.00 | $0.00 | $15427.66 | $20450.49 | N/A | XXXX | XXXX | $50.00 | XXXX | Annually | 36.76% | 44.67% | 44.67% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 40.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SEPartnership - Executed 4506T Verified, Business Bank Statements Verified - 2024 - 2024 \|\| Co Borrower | Borrower - Executed 4506T Verified - 2024 - 2024 \|\| Co Borrower | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 723 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Other | Usa Patriot Driving License | XXXX | United States | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Other | Usa Patriot Driving License | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 0 | XXXX | 111.7 | No | 39.47 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| 9128005 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 04/15/2025 | 6.700% | Manual Underwriting | Manual Underwriting | No | 7.382% |  | 7.250% | 7.250% | XXXX | No |  | XXXX | XXXX | $4603.92 | $383.66 | $3240.00 | $270.00 | $0.00 | $5376.79 | $12447.07 | N/A | XXXX | XXXX | $270.00 | XXXX | Monthly | 46.19% | 46.19% | 46.19% | No | No |  |  |  |  |  |  | Retired | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 0 | Yes | Yes | No | No | 0 | No | No | N/A | 0 | 0 | Yes | Yes | 12 | 12 | 80.69% | 0.00% | 100.00% | Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SSI and Disability, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Executed 4506T Verified, Award Letter Verified - 2025 - 2025 \|\| Co Borrower - SESoleProprietor, SSI and Disability - Executed 4506T Verified, Award Letter Verified, Personal Bank Statements Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - Executed 4506T Verified - 2025 - 2025 \|\| Co Borrower - Executed 4506T Verified - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 761 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 13.5 | XXXX | 13.5 | No | 77.27 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| 9128024 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 04/07/2025 | 6.620% | Manual Underwriting | Manual Underwriting | No | 8.918% |  | 8.625% | 8.625% | XXXX | No |  | XXXX | XXXX | $8400.96 | $700.08 | $0.00 | $0.00 | $0.00 | $18840.02 | $178987.31 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 14.09% | 14.09% | 14.09% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 2 YRS W2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 Verified, 2+ Months Paystubs Verified, 1 YR Executed 4506T Verified - 2023, 2024, 2025 | Borrower - 1 YR Executed 4506T Verified - 2023, 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 644 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 43.5 | XXXX | 43.5 | No | 75 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 9128015 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 04/01/2025 | 6.650% | Manual Underwriting | Manual Underwriting | No | 7.637% |  | 7.375% | 7.375% | XXXX | No |  | XXXX | XXXX | $3489.96 | $290.83 | $9480.00 | $790.00 | $0.00 | $16335.28 | $82305.66 | N/A | XXXX | XXXX | $790.00 | XXXX | Monthly | 24.95% | 24.66% | 24.66% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 1YR Full Doc | 2 YRS W2 | 2 YRS W2 | NA | NA | N/A | 0 | N/A | 0 | 1 | 1 | 1 | 1 | 1 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 50.00% | 50.00% |  | Borrower Prepared | 3 | Borrower | Borrower Prepared | Borrower | 3 NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SEPartnership, Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1065, K1), YTD Profit And Loss Verified, 2 YRS W2 Verified, Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2023 - 2023 \|\| Co Borrower - SEPartnership - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1065, K1), YTD Profit And Loss Verified, 2 YRS W2 Verified, Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2023 - 2023 | Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1065, K1), Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2023 - 2023 \|\| Co Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1065, K1), Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2023 - 2023 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 804 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 7.6 | XXXX | 7.6 | No | 75 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| 9127910 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 04/11/2025 | 6.620% | Manual Underwriting | Manual Underwriting | No | 7.069% |  | 6.999% | 6.999% | XXXX | No |  | XXXX | XXXX | $5274.12 | $439.51 | $0.00 | $0.00 | $1914.34 | $9254.16 | $20158.55 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 43.69% | 43.69% | 43.69% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Asset Utilization (DTI) | 2 YRS W2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 2 | NA |  | No | Yes | 30 | No | Yes | Yes | 3 | 0 | No |  |  |  | 0.00% | 0.00% |  | Stocks/Bonds,Stocks/Bonds | N/A | 0 | N/A |  |  | NA | 0 | No |  | Yes | 324 | 26 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus, Commission, Asset Depletion, Other REO Net Rental Income(Loss) - 2 YRS W2 Verified, 2+ Months Paystubs Verified, Written VOE Verified, Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Personal Bank Statements Verified - 2023, 2024, 2025 | Borrower - Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 801 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | Closed End - ARM |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | United States | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 104.8 | XXXX | 88.3 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 9128000 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.750% | 7.750% | XXXX | No |  | XXXX | XXXX | $1278.96 | $106.58 | $1668.00 | $139.00 | $0.00 | $1743.63 |  | N/A | XXXX | XXXX | $139.00 | XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.032 | 1.032 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 671 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 0 | XXXX | 13 | No | 70 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| 9128012 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 04/02/2025 | 6.650% | Manual Underwriting | Manual Underwriting | No | 7.124% |  | 7.000% | 7.000% | XXXX | No |  | XXXX | XXXX | $3384.12 | $282.01 | $1500.00 | $125.00 | $0.00 | $14666.01 | $126470.31 | N/A | XXXX | XXXX | $125.00 | XXXX | Annually | 15.10% | 15.10% | 15.10% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 100.00% | 50.00% | 50.00% | Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SEPartnership, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2024, 2025 \|\| Co Borrower - SEPartnership - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 \|\| Co Borrower - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 797 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 77.6 | XXXX | 77.6 | No | 80 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| 9127726 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 04/02/2025 | 6.650% | Manual Underwriting | Manual Underwriting | No | 8.777% |  | 8.250% | 8.250% | XXXX | No |  | XXXX | XXXX | $1086.96 | $90.58 | $0.00 | $0.00 | $0.00 | $2025.53 | $3672.47 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 41.46% | 41.46% | 41.46% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 1YR Full Doc | 0 | 2 YRS W2 | NA | NA | N/A | 0 | N/A | 0 | 1 | 0 | 0 | 0 | 1 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | Yes | 45 | 27 | FNMA 1005 | Yes | 120 | 27 | FNMA 1005 | No | 0 |  | N/A | Borrower - Wage - 1 YR Personal Tax Returns Verified, Written VOE Verified, Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2024, 2023, 2025 \|\| Co Borrower - Wage - 2 YRS W2 Verified, Written VOE Verified, Executed 4506T Verified, IRS Transcripts Verified - 2023, 2024, 2025 | Borrower - 1 YR Personal Tax Returns Verified, Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2024, 2023, 2025 \|\| Co Borrower - Executed 4506T Verified, IRS Transcripts Verified - 2023, 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 690 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Non Permanent Resident Alien | Undocumented Non-US Citizen | Yes - ITIN Letter/Certificate | Real ID Driver's License |  | XXXX | United States | XXXX | XXXX | XXXX | Passport | XXXX | XXXX | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | I-551 Permanent Resident Card | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 3.2 | XXXX | 3.2 | No | 79.76 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| 9128006 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.375% | 7.375% | XXXX | No |  | XXXX | XXXX | $2106.96 | $175.58 | $4826.52 | $402.21 | $0.00 | $2710.28 | $20335.54 | N/A | XXXX | XXXX | $402.21 | XXXX | Monthly | 33.16% | 33.24% | 33.24% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - Executed 4506T Verified, Business Bank Statements Verified - 2025, 2024 | Borrower - Executed 4506T Verified - 2025, 2024 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 751 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Passport |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 6.7 | XXXX | 6.7 | No | 40.01 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 9162871 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 04/29/2025 | 6.880% | Manual Underwriting | Manual Underwriting | No | 7.669% |  | 7.625% | 7.625% | XXXX | No |  | XXXX | XXXX | $10947.12 | $912.26 | $3300.00 | $275.00 | $0.00 | $21561.17 | $54250.78 | N/A | XXXX | XXXX | $275.00 | XXXX | Monthly | 29.68% | 29.68% | 29.68% | No |  |  |  |  |  |  |  | Retired |  |  |  |  |  | Asset Depletion – Debt Ratio Calculation | 2 YRS 1099 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | Yes | Yes | 60 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SSI and Disability, Asset Depletion - 2 YRS 1099 Verified, 3 YRS Executed 4506T Verified - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 786 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 191.1 | XXXX | 211.2 | No | 65 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 9128007 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 04/01/2025 | 6.650% | Manual Underwriting | Manual Underwriting | No | 6.943% |  | 6.875% | 6.875% | XXXX | No |  | XXXX | XXXX | $5592.96 | $466.08 | $1374.96 | $114.58 | $0.00 | $10616.99 | $40435.81 | N/A | XXXX | XXXX | $114.58 | XXXX | Annually | 41.54% | 41.54% | 41.54% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 770 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 78.6 | XXXX | 78.6 | No | 49.71 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 9128058 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 04/04/2025 | 6.650% | Manual Underwriting | Manual Underwriting | No | 7.155% |  | 6.875% | 6.875% | XXXX | No |  | XXXX | XXXX | $2207.04 | $183.92 | $0.00 | $0.00 | $0.00 | $3142.06 | $16182.31 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 17.46% | 17.46% | 17.46% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 776 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 9.8 | XXXX | 9.8 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 9127862 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 04/07/2025 | 6.620% | Manual Underwriting | Manual Underwriting | No | 7.697% |  | 7.499% | 7.499% | XXXX | No |  | XXXX | XXXX | $2143.32 | $178.61 | $840.96 | $70.08 | $0.00 | $3046.08 | $21677.56 | N/A | XXXX | XXXX | $70.08 | XXXX | Annually | 27.94% | 27.94% | 27.94% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 100.00% | 50.00% | 50.00% |  | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SEPartnership, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2024, 2025 \|\| Co Borrower - SEPartnership - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 \|\| Co Borrower - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 706 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 0 | XXXX | 3.1 | No | 67.41 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| 9127989 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 04/16/2025 | 6.700% | Manual Underwriting | Manual Underwriting | No | 8.199% |  | 7.875% | 7.875% | XXXX | No |  | XXXX | XXXX | $1798.44 | $149.87 | $0.00 | $0.00 | $0.00 | $5229.69 | $5945.64 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 49.40% | 49.40% | 49.40% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, IRS Transcripts Verified - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified, IRS Transcripts Verified - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 742 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Non Permanent Resident Alien | Undocumented Non-US Citizen | Yes - ITIN Letter/Certificate | Passport | Voter ID | XXXX | Mexico | XXXX | XXXX | XXXX | Passport | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 41.4 | XXXX | 11.6 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 9127870 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 04/14/2025 | 6.700% | Manual Underwriting | Manual Underwriting | No | 8.262% |  | 7.999% | 7.999% | XXXX | No |  | XXXX | XXXX | $621.96 | $51.83 | $0.00 | $0.00 | $0.00 | $3335.43 | $3525.57 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 49.62% | 49.62% | 49.62% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 1YR Full Doc | 2 YRS W2 | 0 | 2+ Months | NA | N/A | 0 | N/A | 0 | 0 | 0 | 2 | 0 | 1 | 3 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 4 | 4 | FNMA 1005 | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 Verified, 2+ Months Paystubs Verified, Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 \|\| Co Borrower - Wage - 2 YRS Personal Tax Returns Verified, Written VOE Verified, Executed 4506T Verified, 3 YRS IRS Transcripts Verified - 2022, 2023, 2024, 2025 | Borrower - Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, Executed 4506T Verified, 3 YRS IRS Transcripts Verified - 2022, 2023, 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 791 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | Non Permanent Resident Alien | Undocumented Non-US Citizen | Yes - ITIN Letter/Certificate | Standard Driver's License - Not for federal Use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 30.1 | XXXX | 26.2 | No | 84.9 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| 9127719 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 04/07/2025 | 6.620% | Manual Underwriting | Manual Underwriting | No | 7.997% |  | 7.499% | 7.499% | XXXX | No |  | XXXX | XXXX | $1287.00 | $107.25 | $0.00 | $0.00 | $0.00 | $1702.48 | $2046.52 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 47.36% | 47.36% | 47.36% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 1YR Full Doc | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 2 | 0 | 1 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 100.00% | 0.00% |  | Borrower Prepared | 4 | Borrower | N/A | N/A | 0 NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 28 | 28 | FNMA 1005 | No | 0 |  | N/A | Borrower - SESoleProprietor - YTD Profit And Loss Verified, Executed 4506T Verified, IRS Transcripts Verified - 2024, 2025 \|\| Co Borrower - Wage - 2 YRS Personal Tax Returns Verified, Written VOE Verified, Executed 4506T Verified, IRS Transcripts Verified - 2023, 2024, 2025 | Borrower - Executed 4506T Verified, IRS Transcripts Verified - 2024, 2025 \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, Executed 4506T Verified, IRS Transcripts Verified - 2023, 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 706 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Non Permanent Resident Alien | Undocumented Non-US Citizen | Yes - ITIN Letter/Certificate | Standard Driver's License - Not for federal use |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | Passport | XXXX | XXXX | Non Permanent Resident Alien | Undocumented Non-US Citizen | Yes - ITIN Letter/Certificate | Standard Driver's License - Not for federal Use |  | XXXX | XXXX | XXXX | XXXX | XXXX | Passport | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 3.9 | XXXX | 3.9 | No | 52.21 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |

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